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PDLB stock logo

PDLB

Ponce Financial Group, Inc.

$19.06
0.17
 (0.9%)
Exchange:  NASDAQ
Market Cap:  461.021M
Shares Outstanding:  16.673M
Delayed data
Calculate PDLB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Carlos Naudon
Full Time Employees:  211
Address: 
2244 Westchester Avenue
Bronx
NY
10462
US
Website:  https://www.poncebank.com
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 Jersey—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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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue134,467167,295194,308
Gross Profit72,89379,804105,889
EBITDA10,37920,42243,033
Operating Income5,85315,68539,509
Net Income3,35210,97228,703

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,750,7223,039,9383,223,970
Total Liabilities2,259,3272,534,4382,682,421
Total Stockholders Equity491,395505,500541,549
Total Debt717,105626,796625,453
Cash and Cash Equivalents28,930140,08828,511

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Cash Flow Statement

Year202320242025
Operating Cash Flow6,4937,21242,983
Capital Expenditure-411-2,718-978
Free Cash Flow6,0824,49442,005
Net Income3,35210,97228,703
Net Change in Cash84,830649-13,685

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)133,600Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)133,600Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)133,600Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)13,682.363Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)13,682.363Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)13,682.363Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)41,176.764Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)41,176.764Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)41,176.764Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)35,503.634Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)35,503.634Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)35,503.634Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.770Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.770Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.770Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
170.051M  ?P/S
 (TTM)
: 
2.31
?Net Income
 (TTM)
: 
10.972M  ?P/E
 (TTM)
: 
13.92
?Enterprise Value
 (TTM)
: 
1.033B  ?EV/FCF
 (TTM)
: 
18.25
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0.04
?ROE
 (TTM)
: 
0.06  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
591.318M  ?Debt/Equity
 (TTM)
: 
1.09
?P/B
 (TTM)
: 
0.79  ?Current Ratio
 (TTM)
: 
0.31

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.55Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PDLB intrinsic value between $2.93 – $17.88 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about PDLB valuation

Is Ponce Financial Group, Inc. (PDLB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Ponce Financial Group, Inc. (PDLB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PDLB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PDLB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PDLB’s P/E ratio?

You can see PDLB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PDLB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PDLB a good long-term investment?

Whether PDLB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PDLB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.9
MARKETSnap

Trading Metrics:

Open: 19.01   Previous Close: 18.89
Day Low: 18.83   Day High: 19.24
Year Low: 12.81   Year High: 19.42
Price Avg 50: 17.82   Price Avg 200: 16.24
Volume: 112648   Average Volume: 60904

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See in Nexus

Relevant news

Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable
27-05-2026 09:55
Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable
Ponce Financial (PDLB) Surpasses Q1 Earnings and Revenue Estimates
24-04-2026 09:46
Ponce Financial (PDLB) Surpasses Q1 Earnings and Revenue Estimates
Ponce Financial Group, Inc. Appoints New Member to the Board of Directors
30-03-2026 17:40
Ponce Financial Group, Inc. Appoints New Member to the Board of Directors
Ponce Financial Group, Inc. Reports Fourth Quarter 2025 Results
27-01-2026 17:21
Ponce Financial Group, Inc. Reports Fourth Quarter 2025 Results

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