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Ponce Financial Group Inc
(NASDAQ:PDLB)
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Rating:70Outperform
Price Target:
$22.50
▲(11.39% Upside)
Action:Upgraded
Date:08/06/26
Overall score reflects improving fundamentals (revenue, margins, and cash generation) tempered by balance-sheet leverage and historical earnings volatility. Technicals add support with the stock trading above key moving averages and positive momentum signals, while valuation appears reasonable based on the P/E, with no dividend yield data to strengthen the valuation component.
Positive Factors
Cash generation strength
Operating and free cash flow have expanded materially year-over-year and on a TTM basis, providing durable internal funding for loan growth, technology and branch investments, and potential capital actions. Strong cash conversion supports long-term strategic flexibility despite banking-sector cash/asset scale dynamics.
Negative Factors
Elevated leverage vs. peers
Debt running above equity increases sensitivity to interest-rate and credit cycles and constrains capital flexibility. Higher leverage raises funding and regulatory risk during stress periods, meaning the bank must sustain strong earnings and loan performance to avoid capital erosion and preserve strategic optionality.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation strength
Operating and free cash flow have expanded materially year-over-year and on a TTM basis, providing durable internal funding for loan growth, technology and branch investments, and potential capital actions. Strong cash conversion supports long-term strategic flexibility despite banking-sector cash/asset scale dynamics.
Read all positive factors
Ponce Financial Group Inc (PDLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$501.90M
Dividend YieldN/A
Average Volume (3M)74.25K
Price to Earnings (P/E)14.6
Beta (1Y)0.78
Revenue Growth12.29%
EPS Growth97.75%
CountryUS
Employees216
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.42
Shares Outstanding24,187,900
10 Day Avg. Volume131,028
30 Day Avg. Volume74,251
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.69
Price to Sales (P/S)1.92
P/FCF Ratio6.84
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$24.00Price Target Upside18.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.3
Revenue Forecast (FY)N/A
Ponce Financial Group Inc Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Ponce Financial Group makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on earning assets (mainly loans such as commercial real estate, multif...
Ponce Financial Group Inc Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 204.52M | 194.31M | 167.29M | 134.47M | 87.12M | 77.58M |
| Gross Profit | 114.84M | 105.89M | 79.80M | 72.89M | 46.92M | 66.61M |
| EBITDA | 51.02M | 43.03M | 20.42M | 10.38M | -32.58M | 36.10M |
| Net Income | 33.76M | 28.70M | 10.97M | 3.35M | -30.00M | 25.41M |
Balance Sheet | ||||||
| Total Assets | 3.49B | 3.22B | 3.04B | 2.75B | 2.31B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 478.65M | 218.60M | 245.06M | 259.34M | 185.36M | 269.73M |
| Total Debt | 649.97M | 625.45M | 626.80M | 717.11M | 551.91M | 121.34M |
| Total Liabilities | 2.93B | 2.68B | 2.53B | 2.26B | 1.82B | 1.46B |
| Stockholders Equity | 560.97M | 541.55M | 505.50M | 491.39M | 492.70M | 189.26M |
Cash Flow | ||||||
| Free Cash Flow | 58.65M | 54.62M | 4.49M | 6.08M | 9.31M | 14.38M |
| Operating Cash Flow | 58.26M | 55.59M | 7.21M | 6.49M | 9.80M | 18.55M |
| Investing Cash Flow | -348.38M | -219.72M | -294.90M | -332.91M | -777.06M | -211.14M |
| Financing Cash Flow | 303.49M | 150.44M | 288.33M | 411.25M | 667.73M | 274.40M |
Ponce Financial Group Inc Technical Analysis
Positive
20.20
Price Trends
19.94
Positive
18.83
Positive
17.51
Positive
Market Momentum
0.22
Negative
60.86
Neutral
79.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PDLB, the sentiment is Positive. The current price of 20.2 is below the 20-day moving average (MA) of 20.32, above the 50-day MA of 19.94, and above the 200-day MA of 17.51, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 60.86 is Neutral, neither overbought nor oversold. The STOCH value of 79.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PDLB.
Ponce Financial Group Inc Risk Analysis
Ponce Financial Group Inc disclosed 48 risk factors in its most recent earnings report. Ponce Financial Group Inc reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ponce Financial Group Inc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $539.38M | 12.46 | 13.95% | 1.29% | 9.03% | 108.77% | |
76 Outperform | $415.68M | 14.66 | 13.09% | 2.10% | 4.72% | 3.36% | |
75 Outperform | $482.47M | 12.04 | 10.72% | 2.96% | 6.49% | 35.88% | |
72 Outperform | $609.51M | 13.60 | 10.18% | ― | 8.92% | 74.86% | |
71 Outperform | $509.95M | 13.24 | 14.31% | 3.67% | 0.14% | 32.11% | |
70 Outperform | $501.90M | 14.61 | 6.18% | ― | 12.29% | 97.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
PDLB
Ponce Financial Group Inc
20.65
6.23
43.20%
SFST
Southern First Bancshares
64.22
22.51
53.97%
WTBA
West Bancorporation
29.14
11.09
61.40%
BWFG
Bankwell Financial Group
67.43
27.85
70.35%
FMAO
Farmers & Merchants Bancorp
34.83
10.57
43.60%
USCB
USCB Financial Holdings, Inc. Class A
22.67
5.70
33.58%
Ponce Financial Group Inc Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Ponce Financial Group Reports Strong Q2 2026 Results
Positive
Jul 27, 2026
On July 27, 2026, Ponce Financial Group Inc. reported second-quarter 2026 net income available to common shareholders of $8.2 million, or $0.35 per diluted share, marginally below the prior quarter but well above the year-earlier period. Net inter...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Ponce Financial Highlights Growth and Governance at Annual Meeting
Positive
Jun 12, 2026
Ponce Financial Group, Inc., parent of community-focused Ponce Bank, operates as a mission-driven financial institution concentrating on underserved neighborhoods and immigrant entrepreneurs, offering a mix of branch-based and digital banking serv...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.