Ponce Financial Group, Inc.
PDLBNasdaq
$20.25
↓ -1.5%Jul 17 close · end-of-day
Price
1Y↑ +46.0%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$472.5M
Enterprise Value
$926.3M
P/E
15.5
P/S
—
P/B
0.9
EV/EBITDA
—
PEG
—
FCF Yield
11.8%
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$30.2M
Free Cash Flow (TTM)
$55.5M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
5.5%
ROIC
—
Debt / Equity
1.0
Net Cash
-$453.9M
Return 1Y
+45.0%
Company profile
Ponce Financial Group, Inc., a bank holding company for Ponce Bank that provides various banking products and services. The company accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. It also invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises.
- CEO
- Carlos P. Naudon
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 250
- Headquarters
- New York
- Website
- poncebank.com
Management & directors
- Kouzilos IoannisEVP & Chief Lending Officer
- Campiz Betty YolainyEVP and Chief Banking Officer
- Deleon Melissa AntoniaChief Human Resources Officer
- Gonzalez Luis Gerardo Jr.Chief Operating Officer
- Naudon Carlos PPresident & CEO
- Tsavaris StevenExecutive Chairman
- Vaccaro Sergio JavierChief Financial Officer
- Marquez Madeline V.Chief External Affairs Officer
Roles derived from SEC Form 4 filings.
Earnings
PDLB Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.36↑ +44.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $3.9M | $25.4M | -$30.0M | $3.4M | $10.3M | $27.6M |
| Diluted EPS | $0.23 | $1.51 | -$1.32 | $0.15 | $0.46 | $1.20 |
| Operating cash flow | -$27.5M | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Free cash flow | -$29.4M | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q3 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q3 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $3.2M | $2.4M | $2.3M | $6.0M | $6.1M | $6.5M | $9.0M | $8.6M |
| Diluted EPS | $0.14 | $0.10 | $0.11 | $0.25 | $0.25 | $0.27 | $0.43 | $0.36 |
| Operating cash flow | -$2.6M | -$14.6M | $22.9M | $13.1M | $6.2M | $1.4M | $34.9M | $13.9M |
| Free cash flow | -$2.6M | -$15.0M | $22.4M | $12.9M | $5.9M | $786,000.00 | $34.9M | $13.8M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 15, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-02-11 | Kouzilos Ioannis· EVP & Chief Lending Officer | Sale | 10,929 | $16.81 | $183,716.49 | filing |
| 2026-02-11 | Kouzilos Ioannis· EVP & Chief Lending Officer | Option exercise | 4,000 | $13.31 | $53,240.00 | filing |
| 2026-02-11 | Kouzilos Ioannis· EVP & Chief Lending Officer | Option exercise | 2,929 | $10.44 | $30,578.76 | filing |
| 2026-02-11 | Kouzilos Ioannis· EVP & Chief Lending Officer | Option exercise | 2,000 | $10.52 | $21,040.00 | filing |
| 2026-02-11 | Kouzilos Ioannis· EVP & Chief Lending Officer | Option exercise | 2,000 | $10.33 | $20,660.00 | filing |
| 2026-02-09 | DeLeon Melissa Antonia· Chief Human Resources Officer | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-02-09 | Campiz Betty Yolainy· EVP and Chief Banking Officer | Award | 10,000 | $0.00 | $0.00 | filing |
| 2026-01-22 | Kouzilos Ioannis· EVP & Chief Lending Officer | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-01-22 | Vaccaro Sergio Javier· Chief Financial Officer | Award | 10,000 | $0.00 | $0.00 | filing |
| 2026-01-22 | Gonzalez Luis Gerardo Jr.· Chief Operating Officer | Award | 5,000 | $0.00 | $0.00 | filing |
| 2026-01-22 | NAUDON CARLOS P· President & CEO | Award | 15,000 | $0.00 | $0.00 | filing |
| 2026-01-22 | Tsavaris Steven· Executive Chairman | Award | 15,000 | $0.00 | $0.00 | filing |
| 2025-12-07 | Marquez Madeline V.· Chief External Affairs Officer | Tax withholding | 121 | $15.72 | $1,902.12 | filing |
Latest 13 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.