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PDLB stock logo

PDLB

Ponce Financial Group, Inc.

$16.93
0.03
 (0.18%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  408.975M
Shares Outstanding:  16.673M
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. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in 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)121,300Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)121,300Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)121,300Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)12,422.684Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)12,422.684Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)12,422.684Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)33,034.466Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)33,034.466Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)33,034.466Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)32,234.961Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)32,234.961Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)32,234.961Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.420Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.420Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.420Full 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)
: 
2.23
?Net Income
 (TTM)
: 
10.972M  ?P/E
 (TTM)
: 
14.28
?Enterprise Value
 (TTM)
: 
1.031B  ?EV/FCF
 (TTM)
: 
21.27
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0.04
?ROE
 (TTM)
: 
0.05  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
591.318M  ?Debt/Equity
 (TTM)
: 
1.15
?P/B
 (TTM)
: 
0.76  ?Current Ratio
 (TTM)
: 
2.55

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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
13.02Full 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.


Calculate PDLB Intrinsic Value

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.

[ms_data_label text="Daily snapshot"]

0.18
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 10.88   Year High: 18.01
Price Avg 50: 16.57   Price Avg 200: 15.36
Volume: 38401   Average Volume: 69903

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See in Nexus

Relevant news

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
Ponce De Leon Foundation Awarded Grants in the Amount of $635,000 to Nonprofits
08-01-2026 16:58
Ponce De Leon Foundation Awarded Grants in the Amount of $635,000 to Nonprofits
Recent Price Trend in Ponce Financial (PDLB) is Your Friend, Here's Why
29-12-2025 09:55
Recent Price Trend in Ponce Financial (PDLB) is Your Friend, Here's Why
Ponce Financial (PDLB) Upgraded to Strong Buy: Here's Why
18-12-2025 13:01
Ponce Financial (PDLB) Upgraded to Strong Buy: Here's Why

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