Ponce Financial Group, Inc. (PDLB)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1874071 · fiscal year ends in Dec
Closing price $22.68 on 29 Oct 2026; 52-week range $14.02 to $22.68.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $120.0M
- Revenue growth
- 27.6%
- Net income, last twelve months
- $33.8M
- Earnings per share
- $1.40
- Net margin
- 28.1%
- Return on equity
- 6.0%
- Market value
- $548.7M
- Price to earnings
- 16.2x
- Cash
- $140.0M
- Debt
- $621.1M
- Debt to equity
- 1.11
- Shares outstanding
- 24.2M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $109.2M | – | $28.7M | $1.20 | $54.6M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $83.7M | – | $11.0M | $0.46 | $4.5M | 10-K filed 13 Mar 2025 |
| FY2023 | 31 Dec 2023 | $75.5M | – | $3.4M | $0.15 | $6.1M | 10-K filed 19 Mar 2024 |
| FY2022 | 31 Dec 2022 | $73.0M | – | -$30.0M | -$1.32 | $9.3M | 10-K filed 21 Mar 2023 |
| FY2021 | 31 Dec 2021 | $93.5M | – | $25.4M | $1.51 | $14.4M | 10-K filed 31 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $31.6M | $8.5M | $0.35 |
| Q1 FY2026 | 31 Mar 2026 | $30.3M | $8.6M | $0.36 |
| Q4 FY2025 | 31 Dec 2025 | $31.4M | $10.1M | $0.42 |
| Q3 FY2025 | 30 Sep 2025 | $26.7M | $6.5M | $0.27 |
| Q2 FY2025 | 30 Jun 2025 | $26.5M | $6.1M | $0.25 |
| Q1 FY2025 | 31 Mar 2025 | $24.6M | $6.0M | $0.25 |
| Q4 FY2024 | 31 Dec 2024 | $22.8M | $2.9M | $0.12 |
| Q3 FY2024 | 30 Sep 2024 | $20.2M | $2.4M | $0.10 |
Company events
The newest 8-K filings of 60 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 26 Oct 2026 | 8-K | Deal completed, Investor update | 2.01, 7.01, 9.01 |
| 27 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 12 Jun 2026 | 8-K | Shareholder vote, Other events | 5.07, 8.01, 9.01 |
| 24 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 31 Mar 2026 | 8-K | Leadership change, Other events | 5.02, 8.01, 9.01 |
| 27 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 24 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 14 Oct 2025 | 8-K | Other events | 8.01, 9.01 |
| 25 Jul 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 17 Jun 2025 | 8-K | Shareholder vote, Other events | 5.07, 8.01, 9.01 |
| 13 May 2025 | 8-K | Other events | 8.01 |
| 25 Apr 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 103 held.
| Filed | Form | Period |
|---|---|---|
| 26 Oct 2026 | 8-K | 26 Oct 2026 |
| 5 Aug 2026 | 10-Q | 30 Jun 2026 |
| 27 Jul 2026 | 8-K | 27 Jul 2026 |
| 12 Jun 2026 | 8-K | 11 Jun 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 24 Apr 2026 | 8-K | 24 Apr 2026 |
| 22 Apr 2026 | ARS | 31 Dec 2025 |
| 22 Apr 2026 | DEFA14A | – |
| 22 Apr 2026 | DEF 14A | 11 Jun 2026 |
| 31 Mar 2026 | 8-K | 26 Mar 2026 |
| 13 Mar 2026 | 10-K | 31 Dec 2025 |
| 27 Jan 2026 | 8-K | 27 Jan 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 11 Feb 2026 | Kouzilos Ioannis, EVP & Chief Lending Officer | Sale outside a trading plan | 10,929 | $16.81 | $183.7K | 37,077 | 13 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 7 May 2026 | Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions; Pentegra Trust Company, Trustee | 13G amended | 7.7% | 1.9M |
| 17 Feb 2026 | T. Rowe Price Investment Management, Inc. | 13G amended | 7.9% | 1.9M |
| 4 Feb 2026 | M3 Funds, LLC | 13G amended | 7.73% | 1.9M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 601.3K | +21.55% | 7.58 |
| 30 Sep 2026 | 494.7K | +27.93% | 5.47 |
| 15 Sep 2026 | 386.7K | +2.9% | 5.05 |
| 31 Aug 2026 | 375.8K | +17.55% | 5.04 |
| 14 Aug 2026 | 319.7K | +9.39% | 4.66 |
| 31 Jul 2026 | 292.2K | +0.22% | 4.34 |
| 15 Jul 2026 | 291.6K | -7.1% | 5.8 |
| 30 Jun 2026 | 313.9K | +15.88% | 2.95 |
Funds that hold it
From each fund's latest Form 13F.
97 funds held it at 30 Jun 2026: 45 added and 25 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| T. Rowe Price Investment Management, Inc. | 1,912,897 | $38.1M | +7,750 |
| BlackRock, Inc. | 1,735,395 | $34.6M | +113,644 |
| M3F, Inc. | 1,698,960 | $33.9M | -305,000 |
| Dimensional Fund Advisors LP | 954,536 | $19.0M | +15,436 |
| Vanguard Capital Management LLC | 877,782 | $17.5M | +7,416 |
| Bank of America Corp. | 508,102 | $10.1M | +3,544 |
| Geode Capital Management, LLC | 496,282 | $9.9M | +32,967 |
| State Street Corp. | 380,812 | $7.6M | +41,893 |
| AllianceBernstein L.P. | 358,482 | $6.0M | +69,450 |
| American Century Companies Inc. | 234,908 | $4.7M | +192,014 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $297.5B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.3B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.2B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.7B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $791.9M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $596.4M
- Northrim Bancorp Inc. (NRIM): revenue $220.5M, market value $538.5M