Ponce Financial Group, Inc.

NasdaqGM:PDLB Stock Report

Market Cap: US$481.1m

Ponce Financial Group Balance Sheet Health

Financial Health criteria checks 5/6

Ponce Financial Group has total assets of $3.3B and total equity of $551.4M. Total deposits are $2.1B, and total loans are $2.7B. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $117.5M.

Key information

6x

Asset to equity ratio

3.3%

Net interest margin

Total deposits

US$2.13b

Loan to deposit ratio

High

Bad loans

0.7%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$117.50m

Recent financial health updates

No 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...

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: PDLB's Assets to Equity ratio (6x) is low.

Allowance for Bad Loans: PDLB has a sufficient allowance for bad loans (129%).

Low Risk Liabilities: 78% of PDLB's liabilities are made up of primarily low risk sources of funding.

Loan Level: PDLB has an appropriate level of Loans to Assets ratio (82%).

Low Risk Deposits: PDLB's Loans to Deposits ratio (126%) is high.

Level of Bad Loans: PDLB has an appropriate level of bad loans (0.7%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/10 17:43
End of Day Share Price 2026/07/10 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)