PDLB logo

PONCE FINANCIAL GROUP INC

PDLBNASDAQ
πŸ† #2987 by market capUS Equity
$20.02β–Ό $0.17 (βˆ’0.84%)
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24hβ–Ό 0.8%
7dβ–Ό 0.8%
14dβ–Ό 2.3%
30dβ–Ό 1.3%
ytdβ–² 22.3%
1yβ–² 36.7%
🏦Market Cap
$484M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+16.1%
Healthy
πŸ“ŠGross Margin
56.1%
Healthy
πŸ’΅FCF Margin
28.7%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$19.84 – $20.25
52-Week Range
$13.91 – $21.10
Volume
$1.85B
Avg Volume
$2.01B
Shares Outstanding
24.2M
Next Earnings
Dec 11, 2026

Fundamentals Snapshot

Annual Revenue
$194M
Last Q Revenue
$53M
P/E Ratio
14.2
P/S Ratio
2.4x
EPS (TTM)
$1.46
Dividend Yield
0.00%
Dilution (1yr)
+2.0%

Why Investors Own PDLB

  • βœ“High-growth profile β€” revenue up +7.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 35% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PDLB logo

PONCE FINANCIAL GROUP INC

PDLB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$194Mβ–² +16.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.5%β–² +14.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$40Mβ–² +151.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$55Mβ–² +1115.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
23.3Mβ–² +2.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$499Mβ–Ό βˆ’$12M YoY
StockOtter Β· stockotter.space

About PONCE FINANCIAL GROUP INC

Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jerseyβ€”one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$25.52
β–² +27.5% Upside
High Target$27.84
Low Target$21.14
Based on 37 analysts

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