The bank maintains a stable capital structure with an equity-to-assets ratio of 0.17 and a significant $3.1 billion investment securities portfolio as of 2026Q1.
| Cash & Short Term Investments | 798.28M | 218.6M | 245.06M | 259.34M | 185.36M | 269.73M | 92.31M | 49.18M | 96.92M | 88.62M | 64.41M | 94.73M |
| Cash & Due from Banks | 27.43M | 126.4M | 140.09M | 139.44M | 55.85M | 156.38M | 74.82M | 27.68M | 69.78M | 59.72M | 11.72M | 12.69M |
| Short Term Investments | 87.15M | 92.2M | 104.97M | 119.9M | 129.5M | 113.35M | 17.5M | 21.5M | 27.14M | 28.9M | 52.69M | 82.03M |
| Total Investments | 3.05B | 2.97B | 2.77B | 2.49B | 2.14B | 1.44B | 1.21B | 978.27M | 945.65M | 827.6M | 696.98M | 653M |
| Investments Growth % | 31.67% | 7.13% | 11.37% | 16.49% | 48.79% | 18.29% | 24.02% | 3.45% | 14.26% | 18.74% | 6.74% | - |
| Long-Term Investments | 11.42B | 2.88B | 2.67B | 2.37B | 2.01B | 1.32B | 1.2B | 956.77M | 918.51M | 798.7M | 644.29M | 570.97M |
| Accounts Receivables | 19.27M | 17.91M | 17.77M | 18.01M | 15.05M | 12.36M | 11.4M | 3.98M | 3.79M | 3.33M | 2.71M | 2.67M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3K | 132K |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3K | 132K |
| PP&E (Net) | 42.79M | 43.22M | 45.89M | 47.33M | 50.87M | 19.62M | 32.05M | 32.75M | 31.14M | 27.17M | 26.03M | 27.18M |
| Other Assets | 235.24M | 57.12M | 53.88M | 44.1M | 38.65M | 26.13M | 19.03M | 7.36M | 5.73M | 3.78M | 4.17M | 3.72M |
| Total Current Assets | 46.7M | 236.5M | 262.83M | 277.35M | 200.41M | 282.09M | 103.71M | 53.16M | 100.72M | 91.96M | 67.11M | 97.4M |
| Total Non-Current Assets | 3.25B | 2.99B | 2.78B | 2.47B | 2.11B | 1.37B | 1.25B | 1B | 959.18M | 833.57M | 677.87M | 605.76M |
| Total Assets | 3.3B | 3.22B | 3.04B | 2.75B | 2.31B | 1.65B | 1.36B | 1.05B | 1.06B | 925.52M | 744.98M | 703.16M |
| Asset Growth % | 28.53% | 6.05% | 10.51% | 18.98% | 39.82% | 22.01% | 28.61% | -0.58% | 14.52% | 24.23% | 5.95% | - |
| Return on Assets (ROA) | 0.98% | 0.92% | 0.38% | 0.13% | -1.51% | 1.69% | 0.32% | -0.48% | 0.27% | -0.53% | 0.2% | 0.36% |
| Accounts Payable | 4.34M | 3.79M | 3.71M | 11.96M | 1.39M | 228K | 60K | 97K | 63K | 42K | 28K | 36K |
| Total Debt | 600.53M | 625.45M | 626.8M | 717.11M | 551.91M | 121.34M | 148.7M | 104.4M | 69.4M | 36.4M | 6M | 8M |
| Net Debt | 573.1M | 499.05M | 486.71M | 577.67M | 496.05M | -35.04M | 73.88M | 76.73M | -374K | -23.32M | -5.72M | -4.69M |
| Long-Term Debt | 421.1M | 596.1M | 596.1M | 684.42M | 517.38M | 106.25M | 29.86M | 93.38M | 44.4M | 16.4M | 3M | 8M |
| Short-Term Debt | 153.01M | 0 | 0 | 0 | 0 | 15.09M | 118.84M | 11.03M | 25M | 20M | 3M | 0 |
| Other Liabilities | 2.15B | 6.54M | 19.07M | 22.64M | 13.58M | 137.97M | 17.35M | 8.81M | 11.5M | 10.31M | 2.86M | 4.52M |
| Total Current Liabilities | 153.01M | 2.05B | 1.89B | 1.52B | 1.25B | 1.22B | 1.15B | 793.17M | 834.82M | 734.03M | 646.13M | 599.58M |
| Total Non-Current Liabilities | 2.6B | 632M | 645.86M | 739.74M | 565.49M | 244.22M | 47.21M | 102.19M | 55.91M | 26.71M | 5.86M | 12.52M |
| Total Liabilities | 2.75B | 2.68B | 2.53B | 2.26B | 1.82B | 1.46B | 1.2B | 895.35M | 890.73M | 760.74M | 651.99M | 612.1M |
| Total Equity | 551.36M | 541.55M | 505.5M | 491.39M | 492.7M | 189.26M | 159.54M | 158.4M | 169.17M | 164.78M | 92.99M | 91.06M |
| Equity Growth % | 24.14% | 7.13% | 2.87% | -0.26% | 160.34% | 18.62% | 0.72% | -6.37% | 2.66% | 77.2% | 2.12% | - |
| Equity / Assets (Capital Ratio) | 16.7% | 16.8% | 16.63% | 17.86% | 21.31% | 11.45% | 11.77% | 15.03% | 15.96% | 17.8% | 12.48% | 12.95% |
| Return on Equity (ROE) | 5.85% | 5.48% | 2.2% | 0.68% | -8.8% | 14.57% | 2.42% | -3.13% | 1.6% | -3.4% | 1.55% | 2.77% |
| Book Value per Share | 23.63 | 23.28 | 22.41 | 21.53 | 21.71 | 11.27 | 9.56 | 9.09 | 9.50 | 8.93 | 11.19 | 10.96 |
| Tangible BV per Share | 23.63 | 23.28 | 22.41 | 21.53 | 21.71 | 11.27 | 9.56 | 9.09 | 9.50 | 8.93 | 11.19 | 10.94 |
| Common Stock | 249K | 249K | 249K | 249K | 249K | 185K | 185K | 185K | 185K | 185K | 0 | 0 |
| Additional Paid-in Capital | 209.22M | 208.6M | 207.32M | 207.11M | 206.51M | 85.6M | 85.11M | 84.78M | 84.58M | 84.35M | 0 | 0 |
| Retained Earnings | 143.67M | 135.33M | 107.75M | 97.42M | 92.95M | 122.96M | 97.54M | 93.69M | 98.81M | 94.86M | 99.24M | 97.82M |
| Accumulated OCI | -10.68M | -10.82M | -15.3M | -15.65M | -17.86M | -1.46M | 135K | 20K | -8.13M | -7.85M | -6.25M | -370K |
| Treasury Stock | -5.74M | -6.16M | -7.71M | -9.75M | -2K | -13.69M | -18.11M | -14.48M | 0 | 0 | 0 | 0 |
| Preferred Stock | 225M | 225M | 225M | 225M | 225M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NYC Multifamily Concentration Risk
As reported in recent financial filings, PDLB has grown its total assets from $2.8 billion in 2024Q1 to $3.3 billion by 2026Q1, reflecting a deliberate expansion strategy that leverages the bank's unique capital position to scale its footprint within the New York City metropolitan area.
The consistent growth in total assets suggests that management is successfully deploying the capital raised during the mutual-to-stock conversion. Investors should monitor whether this asset growth is accompanied by a commensurate improvement in asset quality, as rapid expansion in the current interest rate environment may introduce unforeseen credit risks.
Based on the bank's reported figures, the equity-to-assets ratio has remained remarkably stable at approximately 0.17 throughout the last ten quarters, indicating that PDLB maintains a robust capital cushion that appears to insulate the institution against potential volatility in its core real estate loan portfolio.
This capital stability is likely bolstered by the bank's CDFI/MDI status and the associated federal capital programs, which provide a non-dilutive buffer. This structural advantage may allow the bank to absorb potential credit losses more effectively than regional peers lacking such specialized regulatory support.
According to the latest quarterly data, PDLB holds a significant investment securities portfolio of $3.1 billion as of 2026Q1, which serves as the primary source of liquidity for the bank rather than relying heavily on cash reserves or volatile wholesale funding sources.
The reliance on a large securities portfolio suggests a conservative liquidity management strategy, though it also implies that the bank's interest rate sensitivity is heavily tied to the duration and yield of these holdings. Analysts should investigate the potential for unrealized losses within this portfolio if interest rates remain elevated for an extended period.
As indicated by the bank's geographic footprint and loan book composition, PDLB maintains a high concentration in New York City multifamily real estate, which warrants further investigation into the potential impact of local rent stabilization laws on the long-term cash flows of the bank's borrowers.
While the bank's capital position appears strong, this geographic and asset-class concentration represents a non-obvious risk that could lead to elevated provision requirements if property values in the NYC boroughs face sustained downward pressure. The bank's ability to diversify into C&I lending will be a critical factor in mitigating this structural vulnerability over the coming cycles.
Quick answers to the most common questions about buying PDLB stock.
As of 2025, Ponce Financial Group, Inc. (PDLB) had total assets of $3.22B including $236.5M in current assets.
Ponce Financial Group, Inc. (PDLB) carries total debt of $625.5M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Ponce Financial Group, Inc. (PDLB) has total shareholders' equity (book value) of $541.5M ($23.28 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Ponce Financial Group, Inc. (PDLB) reported a current ratio of 0.12x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.