Ponce Financial Group, Inc.

NasdaqGM:PDLB Stock Report

Market Cap: US$428.1m

Ponce Financial Group Future Growth

Future criteria checks 0/6

Ponce Financial Group's earnings are forecast to decline at 4.8% per annum. EPS is expected to decline by 5% per annum.

Key information

-4.8%

Earnings growth rate

-4.96%

EPS growth rate

Banks earnings growth8.2%
Revenue growth raten/a
Future return on equityn/a
Analyst coverage

Low

Last updated20 May 2026

Recent future growth updates

Recent updates

Seeking Alpha • Apr 21

Ponce Financial Group's Quality Shines Through (Upgrade)

Summary Ponce Financial Group, Inc. is upgraded to a soft Buy after strong revenue, profitability, and net interest margin improvements. PDLB’s organic deposit growth, low brokered deposit exposure, and high asset quality position it well for a declining rate environment. Management’s shift from securities to loans has boosted net interest income and profitability, with 2026 projected to outperform 2025. Credit quality metrics warrant monitoring, but PDLB’s risk/reward profile is now attractive relative to peers despite slightly elevated valuation multiples. Read the full article on Seeking Alpha
Analysis Article • Dec 16

Here's Why We Think Ponce Financial Group (NASDAQ:PDLB) Might Deserve Your Attention Today

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Seeking Alpha • Apr 01

Ponce Financial Group: Despite Fantastic Upside, This Name Is Unremarkable

Summary Ponce Financial Group has shown impressive growth in deposits and loans, but its overall asset quality remains disappointingly low. Despite a 61.7% stock surge, I maintain a 'hold' rating due to mixed valuation and high price-to-earnings multiple. The bank's rapid expansion was aided by a $225 million investment from the US Treasury's ECIP, focusing on riskier, high-impact loans. While Ponce Financial Group's price-to-book ratios are attractive, its return on assets and equity are the worst among peers. Read the full article on Seeking Alpha
Seeking Alpha • Nov 08

Ponce Financial Group Q3: Should Benefit From More Rate Cuts, But Overvalued

Summary Ponce Financial Group, Inc.'s Q3 '24 results show strong interest income growth but declining profitability due to credit losses, with a net interest margin improvement. The company's balance sheet appears stable, but its return on assets and equity underperform compared to peers, indicating inefficiency. The economic outlook favors Ponce with potential interest rate cuts under Donald Trump's incoming administration, boosting loan demand despite lower interest rates. Despite progress, I remain cautious due to uncertainties in the interest rate environment and potential overvaluation, opting not to start a position now. Read the full article on Seeking Alpha
Analysis Article • May 10

Should You Be Adding Ponce Financial Group (NASDAQ:PDLB) To Your Watchlist Today?

Some have more dollars than sense, they say, so even companies that have no revenue, no profit, and a record of falling...

Earnings and Revenue Growth Forecasts

NasdaqGM:PDLB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
3/31/2026109305656N/A
12/31/2025105285556N/A
9/30/202596204244N/A
6/30/202591162628N/A
3/31/202587141819N/A
12/31/2024831047N/A
9/30/2024768-19-17N/A
6/30/202478935N/A
3/31/202473502N/A
12/31/202372366N/A
9/30/202360-623N/A
6/30/202348-24-17-16N/A
3/31/202349-2334N/A
12/31/202249-30910N/A
9/30/202280-675N/A
6/30/202288111917N/A
3/31/2022931678N/A
12/31/202191251419N/A
9/30/20217212-53N/A
6/30/20217114-35N/A
3/31/2021598-11-6N/A
12/31/2020534-29-27N/A
9/30/202047-5-4-3N/A
6/30/202040-9-3-1N/A
3/31/202040-714N/A
12/31/201941-5N/A5N/A
9/30/2019413N/A6N/A
6/30/2019403N/A6N/A
3/31/2019392N/A8N/A
12/31/2018383N/A8N/A
9/30/2018361N/A9N/A
6/30/201836-3N/A10N/A
3/31/201835-2N/A8N/A
12/31/201734-3N/A9N/A
9/30/201733-1N/A7N/A
6/30/2017322N/A4N/A
3/31/2017301N/A3N/A
12/31/2016301N/A4N/A
12/31/2015303N/A5N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: PDLB's earnings are forecast to decline over the next 3 years (-4.8% per year).

Earnings vs Market: PDLB's earnings are forecast to decline over the next 3 years (-4.8% per year).

High Growth Earnings: PDLB's earnings are forecast to decline over the next 3 years.

Revenue vs Market: Insufficient data to determine if PDLB's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if PDLB's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if PDLB's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/20 20:12
End of Day Share Price 2026/05/20 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Ponce Financial Group, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Christopher MarinacBrean Capital Historical (Janney Montgomery)