Ponce Financial Group, Inc.

NasdaqGM:PDLB Stock Report

Market Cap: US$447.5m

Ponce Financial Group Management

Management criteria checks 3/4

Ponce Financial Group's CEO is Carlos Naudon, appointed in Sep 2017, has a tenure of 8.75 years. total yearly compensation is $1.55M, comprised of 43.6% salary and 56.4% bonuses, including company stock and options. directly owns 1.8% of the company’s shares, worth $8.04M. The average tenure of the management team and the board of directors is 4.2 years and 12.4 years respectively.

Key information

Carlos Naudon

Chief executive officer

US$1.5m

Total compensation

CEO salary percentage43.57%
CEO tenure8.8yrs
CEO ownership1.8%
Management average tenure4.2yrs
Board average tenure12.4yrs

Recent management 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...

CEO Compensation Analysis

How has Carlos Naudon's remuneration changed compared to Ponce Financial Group's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$30m

Dec 31 2025US$2mUS$674k

US$28m

Sep 30 2025n/an/a

US$20m

Jun 30 2025n/an/a

US$16m

Mar 31 2025n/an/a

US$14m

Dec 31 2024US$1mUS$611k

US$10m

Sep 30 2024n/an/a

US$8m

Jun 30 2024n/an/a

US$9m

Mar 31 2024n/an/a

US$5m

Dec 31 2023US$4mUS$605k

US$3m

Sep 30 2023n/an/a

-US$6m

Jun 30 2023n/an/a

-US$24m

Mar 31 2023n/an/a

-US$23m

Dec 31 2022US$1mUS$605k

-US$30m

Sep 30 2022n/an/a

-US$6m

Jun 30 2022n/an/a

US$11m

Mar 31 2022n/an/a

US$16m

Dec 31 2021US$1mUS$612k

US$25m

Sep 30 2021n/an/a

US$12m

Jun 30 2021n/an/a

US$14m

Mar 31 2021n/an/a

US$8m

Dec 31 2020US$1mUS$605k

US$4m

Sep 30 2020n/an/a

-US$5m

Jun 30 2020n/an/a

-US$9m

Mar 31 2020n/an/a

-US$7m

Dec 31 2019US$1mUS$605k

-US$5m

Compensation vs Market: Carlos's total compensation ($USD1.55M) is below average for companies of similar size in the US market ($USD2.54M).

Compensation vs Earnings: Carlos's compensation has increased by more than 20% in the past year.

CEO

Carlos Naudon (75 yo)

8.8yrs
Tenure
US$1,547,751
Compensation

Mr. Carlos P. Naudon has been the President and Chief Executive Officer at Ponce Financial Group, Inc. since September 29, 2017 and has been its Director since 2014. Mr. Naudon serves as Director at Mortga...

Leadership Team

NamePositionTenureCompensationOwnership
Steven Tsavaris
Executive Chairman of the Board36.4yrsUS$1.27m1.78%
$ 8.0m
Carlos Naudon
President8.8yrsUS$1.55m1.8%
$ 8.0m
Sergio Vaccaro
Executive VP & CFO4yrsUS$779.97k0.11%
$ 493.2k
Luis Gonzalez
Executive VP & COO4.2yrsno data0.050%
$ 225.2k
Frank Perez
Executive VP & Chief Investor Relations Officer4yrsUS$452.91kno data
Melissa DeLeon
Executive VP & Chief Human Resources Officerless than a yearno data0.027%
$ 120.5k
Madeline Marquez
Executive VP & Chief External Affairs Officer9.3yrsno data0.035%
$ 157.2k
David Rodriguez
Chief Relationship Manager & Senior VPno datano datano data
Michael Lagoudis
Senior Vice President5.9yrsno datano data
Betty Campiz
Executive VP & Chief Banking Officerless than a yearno data0.064%
$ 286.0k
Ioannis Kouzilos
Executive VP & Chief Lending Officer9.3yrsno data0.095%
$ 426.9k
4.2yrs
Average Tenure
53.5yo
Average Age

Experienced Management: PDLB's management team is considered experienced (4.2 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Steven Tsavaris
Executive Chairman of the Board36.4yrsUS$1.27m1.78%
$ 8.0m
Carlos Naudon
President12.4yrsUS$1.55m1.8%
$ 8.0m
Marlene Cintron
Independent Directorless than a yearno data0.0021%
$ 9.3k
James Demetriou
Independent Director17.4yrsUS$90.00k0.45%
$ 2.0m
Nick Lugo
Independent Vice Chairman of Board27.4yrsUS$84.00k0.55%
$ 2.5m
Maria Alvarez
Independent Director7.4yrsUS$84.00k0.21%
$ 947.2k
James Perez
Independent Director4.3yrsUS$84.00k0.25%
$ 1.1m
12.4yrs
Average Tenure
75yo
Average Age

Experienced Board: PDLB's board of directors are seasoned and experienced ( 12.4 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/04 16:30
End of Day Share Price 2026/06/04 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)