Ponce Financial Group, Inc.

PDLB

Ponce Financial Group, Inc.

PDLB

Insider Sentiment (TTM):

Last Purchase:2023-05-02Last Sale:2026-02-11Shares Purchased (TTM):0Shares Sold (TTM):10,929

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:7,818,949Shares Outstanding:22,988,317Institutional Ownership Pct.:34.01%

Earnings Market Reaction:

Filing Date:2026-08-05Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents
Cash	26	27	29	29	36	32	35	32	23	30	29	26
Interest Bearing Deposits In Banks	114	90	98	117	91	98	104	124	80	105	110	91
Cash And Cash Equivalents At Carrying Value	140	117	126	147	127	130	140	156	103	135	139	117
Available For Sale Securities Debt Securities	85	87	92	95	97	104	105	111	113	116	120	117
Held To Maturity Securities Amortized Cost Before …	-	-	-	-	-	-	-	-	-	453	462	471
Debt Securities Held To Maturity Amortized Cost Af…	254	264	273	285	337	358	368	404	442	-	462	-
Loans Held For Sale Fair Value Disclosure	3	2	3	6	6	9	11	10	38	8	10	14
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	1,981	1,896	1,788
Notes Receivable Net	2,880	2,699	2,599	2,490	2,459	2,371	2,287	2,180	2,022	-	1,896	-
Interest Receivable	20	19	18	19	19	19	18	17	17	18	18	17
Property Plant And Equipment Net	15	15	16	16	16	16	17	17	17	17	16	16
Operating Lease Right Of Use Asset	27	28	28	28	29	29	29	30	30	31	31	32
Federal Home Loan Bank Stock	31	28	29	26	27	26	29	29	24	24	19	19
Deferred Income Tax Assets Net	13	12	12	12	12	12	12	12	13	14	14	16
Other Assets	17	19	17	33	26	16	25	51	22	21	25	16
Assets	3,495	3,301	3,224	3,157	3,154	3,090	3,040	3,016	2,842	2,819	2,751	2,624
Liabilities And Stockhold…
Liabilities
Deposits	2,272	2,134	2,047	2,063	2,042	2,005	1,895	1,870	1,606	1,586	1,508	1,401
Long Term Debt	621	571	596	521	536	521	596	580	680	680	684	675
Operating Lease Liability	29	29	29	30	31	31	31	31	32	32	33	33
Advance Payments By Borrowers For Taxes And Insura…	-	-	12	-	11	13	10	14	11	13	11	14
Interest Payable Current And Noncurrent	4	4	4	4	4	5	4	3	7	4	12	8
Other Liabilities	8	11	7	9	9	1	9	13	8	9	12	7
Liabilities	2,934	2,749	2,682	2,627	2,633	2,576	2,534	2,511	2,344	2,325	2,259	2,139
Stockholders Equity
Preferred Stock Value	225	225	225	225	225	225	225	225	225	225	225	225
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Treasury Stock Common Value	-6	-6	-6	-7	-7	-8	-8	-9	-10	-10	-10	-11
Additional Paid In Capital Common Stock	210	209	209	209	208	208	207	208	208	208	207	208
Retained Earnings Accumulated Deficit	152	144	135	125	119	113	108	105	103	100	97	97
Accumulated Other Comprehensive Income Loss Net Of…	-11	-11	-11	-12	-13	-14	-15	-13	-17	-17	-16	-20
Unearned E S O P Shares	-10	-10	-11	-11	-11	-12	-12	-12	-12	-13	-13	-13
Stockholders Equity	561	551	542	530	521	514	506	505	498	494	491	485
Liabilities And Stockholders Equity	3,495	3,301	3,224	3,157	3,154	3,090	3,040	3,016	2,842	2,819	2,751	2,624
Held To Maturity Securities Fair Value	247	258	269	280	329	350	355	399	426	438	450	445
Debt Securities Held To Maturity Allowance For Cre…	0	0	0	0	0	0	0	0	0	0	0	1
Financing Receivable Allowance For Credit Losses	-	26	25	25	24	23	23	24	24	25	26	27
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	25	26	27
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Preferred Stock Liquidation Preference	0	0	0	-	-	-	0	-	-	-	-	-
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	25	25	25	25	25	25	25	25	25	25	25	25
Shares Outstanding	24	24	24	24	24	24	24	24	24	24	24	24
Treasury Stock Common Shares	1	1	1	1	1	1	1	1	1	1	1	1
Employee Stock Ownership Plan E S O P Number Of Su…	1	1	1	1	1	1	1	1	1	1	1	1

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	5.24%	10.09%	12.60%	-	-	-	-	-	-	-	-	-
2025	0.00%	4.41%	7.32%	5.02%	5.17%	3.47%	7.48%	13.42%	10.59%	3.87%	7.98%	15.83%
2024	8.08%	5.54%	15.70%	17.39%	19.36%	15.32%	4.78%	3.40%	5.92%	-6.06%	5.58%	6.78%
2023	-	-	-	-	-	-	17.35%	25.45%	20.31%	-7.53%	-1.60%	3.08%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.61	-0.62	-0.63	-0.69	-0.73	-0.26	0.21	0.67	1.17	1.12	1.10	0.87
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	4,715.17	4,913.88	5,009.75
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.08	0.07	0.07
Per Share Metrics
Diluted EPS TTM	1.39	1.30	1.20	0.89	0.73	0.61	0.46	0.38	0.39	0.24	0.15	-0.29
Free Cash Flow Per Share TTM	2.46	2.42	2.40	1.28	0.59	0.78	0.20	-0.84	0.14	-0.01	0.27	0.11
Dividend Per Share TTM	0.05	0.05	0.05	0.04	0.04	0.04	0.03	0.01	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	56.88%	55.65%	53.80%	51.57%	49.63%	47.83%	47.02%	30.42%	30.35%	30.87%	31.29%	55.45%
Operating Profit Margin TTM	23.03%	21.99%	20.71%	16.26%	13.51%	11.92%	9.64%	7.87%	9.14%	6.28%	4.65%	-5.96%
Net Profit Margin TTM	16.65%	15.90%	14.86%	11.50%	9.69%	8.31%	6.35%	5.48%	5.88%	3.91%	2.66%	-5.51%
Growth Metrics
Net Revenue Growth (1Y)	12.61%	13.91%	14.07%	16.09%	18.46%	19.97%	29.21%	33.54%	41.29%	54.49%	52.10%	100.37%
Net Income Growth (1Y)	93.55%	117.90%	166.87%	143.53%	95.18%	155.36%	208.29%	-232.95%	-136.44%	-123.79%	-111.17%	-69.31%
EPS Growth (1Y)	90.73%	114.81%	163.21%	140.10%	92.55%	151.88%	212.56%	-231.92%	-137.74%	-124.79%	-111.15%	-68.17%
Valuation Metrics
P/E TTM	14.08	12.70	13.49	16.20	18.65	20.69	28.22	30.94	23.71	36.60	66.23	-27.30
P/B TTM	0.82	0.70	0.69	0.63	0.60	0.56	0.58	0.52	0.41	0.40	0.45	0.36
P/S TTM	2.35	2.02	2.00	1.86	1.81	1.72	1.79	1.70	1.39	1.43	1.76	1.50
Market Cap	459.69M	384.13M	371.90M	334.66M	314.40M	287.14M	291.65M	262.39M	204.83M	198.95M	221.99M	174.17M
Enterprise Value	940.78M	837.99M	841.85M	709.18M	723.86M	678.35M	747.91M	687.00M	782.08M	744.64M	767.23M	732.26M
Calculated Values
Free Cash Flow TTM	56.65M	55.52M	54.62M	29.10M	13.35M	17.74M	4.49M	-18.79M	3.19M	-144.00K	6.08M	2.49M
Net Debt	481.09M	453.85M	469.95M	374.52M	409.46M	391.21M	456.26M	424.61M	577.26M	545.70M	545.23M	558.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-02-11Sale

Owner: Kouzilos, Ioannis

Title: EVP & Chief Lending Officer

Shares: 10,929

Price/Share: $16.81

Value: $183,716.49

Shares Owned: 37,077

Relationship: Officer

Ownership: Direct

2023-05-02Purchase

Owner: Naudon, Carlos P

Title: President & CEO

Shares: 5,000

Price/Share: $6.82

Value: $34,100.00

Shares Owned: 89,659

Relationship: Director,Officer

Ownership: Indirect

2023-03-13Purchase

Owner: Naudon, Carlos P

Title: President & CEO

Shares: 7,500

Price/Share: $7.23

Value: $54,225.00

Shares Owned: 84,659

Relationship: Director,Officer

Ownership: Indirect

2023-03-10Purchase

Owner: Tsavaris, Steven

Title: Executive Chairman

Shares: 4,700

Price/Share: $8.58

Value: $40,326.00

Shares Owned: 305,015

Relationship: Director,Officer

Ownership: Direct

2023-03-10Purchase

Owner: Gonzalez, Luis Gerardo Jr…

Title: Chief Operating Officer

Shares: 613

Price/Share: $8.16

Value: $5,000.04

Shares Owned: 1,919

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-02-11	Kouzilos, Ioannis	Officer	EVP & Chief Lending Officer	Direct	Sale	10,929	16.81	$183,716.49	37,077	4
2023-05-02	Naudon, Carlos P	Director,Officer	President & CEO	Indirect	Purchase	5,000	6.82	$34,100.00	89,659	4
2023-03-13	Naudon, Carlos P	Director,Officer	President & CEO	Indirect	Purchase	7,500	7.23	$54,225.00	84,659	4
2023-03-10	Tsavaris, Steven	Director,Officer	Executive Chairman	Direct	Purchase	4,700	8.58	$40,326.00	305,015	4
2023-03-10	Gonzalez, Luis Gerardo Jr…	Officer	Chief Operating Officer	Direct	Purchase	613	8.16	$5,000.04	1,919	4
2023-03-10	Naudon, Carlos P	Director,Officer	President & CEO	Indirect	Purchase	5,000	8.23	$41,150.00	77,159	4
2023-03-07	Naudon, Carlos P	Director,Officer	President & CEO	Indirect	Purchase	5,000	8.99	$44,950.00	72,159	4
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Institutional Ownership

No data available for chart

2026-03-31

34.01%

Inst. Shares: 7,818,949

Shares Outstanding: 22,988,317

2025-12-31

33.56%

Inst. Shares: 7,634,329

Shares Outstanding: 22,746,226

2025-09-30

31.73%

Inst. Shares: 7,223,699

Shares Outstanding: 22,766,195

2025-06-30

31.10%

Inst. Shares: 7,064,597

Shares Outstanding: 22,716,615

2025-03-31

29.85%

Inst. Shares: 6,763,816

Shares Outstanding: 22,662,916

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	7,818,949	22,988,317	34.01%
2025-12-31	7,634,329	22,746,226	33.56%
2025-09-30	7,223,699	22,766,195	31.73%
2025-06-30	7,064,597	22,716,615	31.10%
2025-03-31	6,763,816	22,662,916	29.85%
2024-12-31	6,900,526	22,434,654	30.76%
2024-09-30	6,611,329	22,446,009	29.45%
2024-06-30	6,254,099	22,409,803	27.91%
2024-03-31	6,103,848	22,353,492	27.31%
2023-12-31	6,327,817	22,745,317	27.82%
2023-09-30	5,903,897	22,272,076	26.51%
2023-06-30	5,863,596	23,208,168	25.27%
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Ponce Financial Group, Inc. (PDLB) — SEC Financial Statements & Analysis

Ponce Financial Group, Inc. (PDLB) is a savings institution, federally chartered company, incorporated in MD. Ponce Financial Group, Inc. trades on Nasdaq as: PDLB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Ponce Financial Group, Inc. reported a 12.61% year-over-year revenue growth, a Gross Profit Margin of 56.88% (TTM), a Price-to-Sales (P/S) ratio of 2.35x (TTM), a Price-to-Book (P/B) ratio of 0.82x (TTM), at a market cap of $459.69M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 12.61%
Gross Profit Margin TTM: 56.88%
P/S TTM: 2.35x
P/B TTM: 0.82x
Market Cap: $459.69M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Ponce Financial Group, Inc. in?

Ponce Financial Group, Inc. (PDLB) operates in the Savings Institution, Federally Chartered industry.

What is PDLB's market cap?

Ponce Financial Group, Inc. (PDLB) has a market capitalization of $459.69M as of 2026-06-30.

What is PDLB's P/E ratio?

Ponce Financial Group, Inc. (PDLB)'s trailing twelve month P/E ratio is 14.08x as of 2026-06-30.

What exchange does PDLB trade on?

Ponce Financial Group, Inc. (PDLB) trades on the Nasdaq.

Where is Ponce Financial Group, Inc. incorporated?

Ponce Financial Group, Inc. is incorporated in MD.