Ponce Financial Group, Inc. (PDLB) Stock

Ponce Financial Group, Inc. (PDLB) is a Financials stock trading at $20.49 (as of 2026-09-03), with a market capitalization of $495.61M and a trailing P/E of 15.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Ponce Financial Group, Inc. is the bank holding company for Ponce Bank, offering deposit products, a range of residential and commercial loans and lines of credit, and investments in U.S. government and agency securities, mortgage-backed securities, corporate bonds, and Federal Home Loan Bank stock. It serves customers through banking and mortgage loan offices in New York and New Jersey.

Understand Ponce Financial Group, Inc.: how it makes money

Ponce Financial is the holding company for Ponce Bank, a Puerto Rico community bank that earns the spread between deposit interest paid and loan interest collected. Its lending book covers residential mortgages, commercial and construction loans, and consumer credit, funded by local Puerto Rican savers and small businesses.

The profit engine is the net interest spread on a deposit-funded loan book, where every basis point of funding cost or loan yield moves the bottom line directly.

Business quality (Solid): Solid. A profitable community bank with a 23% operating margin, though modest returns on equity and single-market geographic concentration limit upside elasticity.

Valuation: At 18× earnings, PDLB trades 39% above the Banking average (13×).

Bull case

  • Efficient operating model: An operating margin of 23% shows Ponce Bank converts a meaningful share of its net interest and fee income into operating profit, a trait that supports earnings visibility for a small community lender.

Bear case

  • Premium vs. bank peers: At 18.0× earnings the stock trades 39% above the 13× banking industry average, a gap that prices in sustained outperformance and leaves little cushion for a single quarter of softer loan growth or credit slippage.
Valuation — source: SEC EDGAR (first-party)
Price$20.49
Market Cap$495.61M
P/E Ratio15.8
EV / EBITDA20.4
Price / Book0.90
Price / Sales2.61
FCF Yield11.0%
DCF Value (model)$9.32
DCF Upside vs Price-54.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$185.53M
Net Margin15.5%
Revenue Growth (YoY)10.6%
EPS Growth (YoY)44.0%
FCF Growth (YoY)7.0%
Valuation vs Sector & Industry
Stock P/E15.8
Sector P/E (Financials)15.2
Industry P/E (Banking)13.0
vs Sector3.9%
vs Industry21.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderM3F, Inc. ($33.49M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOCarlos Naudon
Employees211
CountryUS
IPO Date2017-10-02

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PDLB earnings history · PDLB institutional & insider holders · PDLB KPIs & operating metrics · PDLB financials · PDLB investor presentations & press releases · PDLB SEC filings · PDLB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-03.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.