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    Ponce Financial Group Inc (PDLB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $20.18
    +0.23 (+1.15%)

    Market Cap: $485.21M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(24/35)
    Avg Surprise
    +55.87%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$9.40
    Range$9.40 - $9.40
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.00n/a
    60d ago$0.00n/a
    30d ago$0.00n/a
    7d ago$0.00n/a
    Current$9.40
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.49
    Range$0.49 - $0.49
    1 analysts
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.49---
    Sep 26EST
    		-$9.40---
    Jun 26
    Reported Jul 27
    		$0.35$0.37-5.41%Miss+40.0%
    Mar 26
    Reported Apr 24
    		$0.36$0.27+33.33%Beat+44.0%
    Dec 25
    Reported Jan 27
    		$0.42$0.28+50.00%Beat+250.0%
    Sep 25
    Reported Oct 24
    		$0.27$0.22+22.73%Beat+170.0%
    Jun 25
    Reported Jul 25
    		$0.25$0.17+47.06%Beat+78.6%
    Mar 25
    Reported Apr 25
    		$0.25$0.09+177.78%Beat+127.3%
    Dec 24
    Reported Mar 13
    		$0.12$0.09+33.33%Beat+1100.0%
    Sep 24
    Reported Oct 30
    		$0.10$0.07+42.86%Beat-16.7%
    Jun 24
    Reported Jul 30
    		$0.14$0.01+1300.00%Beat+3883.8%
    Mar 24
    Reported Apr 30
    		$0.11$-0.03+466.67%Beat+1000.0%
    Dec 23
    Reported Mar 19
    		$0.01$-0.01+200.00%Beat+102.4%
    Sep 23
    Reported Oct 30
    		$0.12$-0.07+271.43%Beat+20.0%
    Jun 23
    Reported Jul 28
    		$-0.00N/A+96.30%Beat-112.3%
    Mar 23
    Reported Apr 26
    		$0.01N/A+112.50%Beat-96.6%
    Dec 22
    Reported Mar 1
    		$-0.42$-0.04-950.00%Miss-165.6%
    Sep 22
    Reported Oct 28
    		$0.10$0.04+150.00%Beat+11.1%
    Jun 22
    Reported Jul 29
    		$0.03$0.05-40.00%Miss-88.0%
    Mar 22
    Reported May 9
    		$0.29$0.06+383.33%Beat+163.6%
    Dec 21
    Reported Mar 2
    		$0.64$0.68-5.88%Miss+814.3%
    Sep 21
    Reported Nov 2
    		$0.09$0.09+0.00%Beat+400.0%
    Jun 21
    Reported Aug 5
    		$0.25$0.09+177.78%Beat+1350.0%
    Mar 21
    Reported Apr 30
    		$0.11$0.11+0.00%Beat+320.0%
    Dec 20
    Reported Mar 8
    		$0.07$0.12-41.67%Miss+600.0%
    Sep 20
    Reported Nov 2
    		$-0.03$-0.01-200.00%Miss-200.0%
    Jun 20
    Reported Jul 31
    		$-0.02N/A-133.33%Miss-150.0%
    Mar 20
    Reported May 1
    		$-0.05$0.04-225.00%Miss-266.7%
    Dec 19
    Reported Feb 28
    		$0.01N/A-75.00%Miss-66.7%
    Sep 19
    Reported Oct 30
    		$0.03$0.04-25.00%Miss+200.0%
    Jun 19
    Reported Aug 2
    		$0.04$0.03+33.33%Beat+33.3%
    Mar 19
    Reported May 7
    		$0.03$0.02+50.00%Beat-25.0%
    Dec 18
    Reported Mar 20
    		$0.03$0.02+50.00%Beat-40.0%
    Sep 18
    Reported Nov 14
    		$0.01N/A-66.67%Miss-66.7%
    Jun 18
    Reported Aug 8
    		$0.03$0.03+0.00%Beat-
    Mar 18
    Reported Apr 2
    		$0.04$0.04+0.00%Beat-
    Sep 17
    Reported Nov 13
    		$0.05$0.04+25.00%Beat-
    Jun 17
    Reported Aug 10
    		$0.03$0.00N/ABeat-

    Key Metrics

    Valuation
    P/E Ratio14.41EV/EBITDA21.23x
    Price/FCF8.08xFCF Yield12.37%
    Profitability
    Profit Margin29.70%Operating Margin39.80%
    ROE6.24%ROIC2.86%
    Financial Health
    Debt/Equity1.11xInterest Coverage0.53x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.57Avg Volume88.28K
    52-Week High$21.1052-Week Low$13.91

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$20.17
    SMA 20$20.20
    SMA 50$20.31
    SMA 200$18.45
    EMA 10$20.14
    EMA 20$20.19
    EMA 50$20.17
    EMA 200$18.60

    MACD

    Line: -0.06Signal: -0.05Hist: -0.01

    ADX

    ADX: 8.0+DI: 19.8-DI: 19.1

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down60.0
    PSAR$19.68

    Bollinger Bands

    Upper Band$20.51
    Lower Band$19.89
    %B Position309%(Upper)
    Band Width0.47

    RSI (14-Day)

    Neutral
    49.3

    Momentum Oscillators

    Stoch %K50.6
    Stoch %D50.0
    Williams %R-37.6
    ROC (10d)0.5%
    Momentum0.10
    CCI (20d)-45.0
    MFI (14d)44.4

    Volatility Measures

    ATR (14d)$0.33(1.6%)
    StdDev (20d)0.16
    Hist Vol12.4%(Low)

    Volume Flow

    VWAP$20.11
    OBV1.9M
    AD Line1.1M
    CMF (20d)-0.086

    Volume Metrics

    Avg Vol (20d)90.2K
    Vol Ratio1.0x
    VWMA (20d)$20.18

    Pivot Points

    R3$20.35
    R2$20.26
    R1$20.10
    Pivot Point$20.01
    S1$19.85
    S2$19.76
    S3$19.60

    Advanced Oscillators

    TSI-5.44
    Ultimate Osc44.4
    KST-10.57

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$31.59M$30.27M$31.41M$26.74M$26.49M$24.58M$22.83M$20.17M$20.16M$20.53M$18.48M$22.17M
    Cost of RevenueN/A$22.09M$20.89M$22.96M$23.06M$21.51M$23.84M$22.81M$19.96M$20.83M$15.48M$17.89M
    Gross ProfitN/A$28.61M$31.41M$25.38M$24.62M$24.48M$20.53M$19.06M$20.46M$19.81M$20.25M$20.87M
    Operating Expenses$18.14M$17.24M$16.63M$16.62M$16.87M$16.89M$17.46M$16.57M$16.64M$16.79M$15.59M$17.32M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$11.37M$14.78M$8.76M$7.99M$7.98M$4.46M$3.07M$4.39M$3.76M$960,000$4.32M
    Interest Income$51.65M$48.66M$48.82M$46.85M$45.86M$44.00M$42.89M$41.29M$38.79M$39.67M$34.95M$33.51M
    Interest Expense$21.59M$20.44M$20.89M$21.60M$21.43M$21.79M$22.16M$22.27M$20.89M$20.84M$17.75M$16.96M
    Income Before Tax$11.30M$11.37M$13.70M$8.76M$7.99M$7.98M$4.46M$3.07M$4.39M$3.76M$960,000$4.32M
    Income Tax Expense$2.81M$2.75M$3.56M$2.25M$1.89M$2.02M$1.53M$638,000$1.20M$1.35M$442,000$1.73M
    Net Income$8.49M$8.62M$10.14M$6.51M$6.10M$5.96M$2.93M$2.43M$3.19M$2.41M$518,000$2.59M
    EBITDA$12.53M$12.60M$14.94M$9.89M$9.19M$9.17M$5.68M$4.29M$5.94M$4.39M$2.21M$5.26M
    EBIT$11.30M$11.37M$13.70M$8.76M$7.99M$7.98M$4.46M$3.07M$4.39M$3.76M$960,000$4.32M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    (PDLB) Volatility Zones as Tactical Triggers

    This article from Stock Traders Daily discusses Ponce Financial Group Inc. (NASDAQ: PDLB), highlighting a weak near-term sentiment but strong long-term outlook. It presents AI-generated trading strategies for different...

    Stock Traders Daily•10/13/26•Neutral

    Understanding the Setup: (PDLB) and Scalable Risk

    Ponce Financial Group Inc. (NASDAQ: PDLB) is showing neutral near and mid-term readings, with a potential moderation of its long-term positive bias. The analysis highlights an exceptional 15.5:1 risk-reward short setup...

    Stock Traders Daily•10/3/26•Neutral

    Ponce Financial Group Inc (PDLB-Q) Stock Price and News

    This article provides stock price and news information for Ponce Financial Group Inc. (PDLB-Q), detailing real-time market data, historical price movements...

    The Globe and Mail•10/1/26•Bullish

    Discipline and Rules-Based Execution in PDLB Response

    This article provides an AI-generated analysis of Ponce Financial Group Inc. (NASDAQ: PDLB), highlighting neutral near and mid-term readings but a potentially positive long-term outlook. It details specific institutional...

    Stock Traders Daily•9/22/26•Neutral

    Ponce Financial shows strong loan growth and may boost value with ECIP stock repurchase by 2026

    Ponce Financial Group, located in the Bronx, New York, is experiencing significant growth in loans and deposits...

    Pluang•9/22/26•Bullish

    PDLB Valuation and Fair Value

    P/E
    14.4x
    Forward P/E
    49.3x
    EV/EBITDA
    21.2x
    P/FCF
    8.1x
    P/B
    1.4x
    See GNG's fair value

    PDLB Profitability: Margins, ROIC and FCF

    Operating margin
    39.8%
    Net margin
    29.7%
    ROIC
    2.9%
    ROE
    6.2%
    FCF margin
    48.0%
    FCF yield
    12.4%

    PDLB Competitors

    CompanyTicker
    Greenlight Capital Re LtdGLRE
    West BancorporationWTBA
    Orange County Bancorp IncOBT
    ChoiceOne Financial Services IncCOFS
    First Foundation Inc.FFWM
    Farmers & Merchants Bancorp IncFMAO
    OppFi IncOPFI
    Diamond Hill Investment Group IncDHIL

    Sector: Financial Services

    PDLB Bull Case vs Bear Case

    Bull case

    • PDLB converts 48.0% of revenue into free cash flow.
    • PDLB has a 29.7% net profit margin.
    • PDLB beat EPS estimates in 87.5% of its last 8 reported quarters.

    PDLB Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    50.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $9.40
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    Frequently Asked Questions About PDLB

    Does PDLB pay dividends?

    Ponce Financial Group Inc (PDLB) does not currently pay a regular dividend.

    What is PDLB's P/E ratio?

    Ponce Financial Group Inc has a price-to-earnings (P/E) ratio of 14.41.

    What is PDLB's market cap?

    Ponce Financial Group Inc (PDLB) has a market capitalization of $485.21M with a current stock price of $20.18.

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