Ponce Financial Group, Inc.

NasdaqGM:PDLB Stock Report

Market Cap: US$456.7m

Ponce Financial Group Past Earnings Performance

Past criteria checks 5/6

Ponce Financial Group has been growing earnings at an average annual rate of 20.2%, while the Banks industry saw earnings growing at 3% annually. Revenues have been growing at an average rate of 7.3% per year. Ponce Financial Group's return on equity is 5.7%, and it has net margins of 27.7%.

Key information

20.16%

Earnings growth rate

17.85%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate7.27%
Return on equity5.69%
Net Margin27.70%
Last Earnings Update31 Mar 2026

Recent past performance 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...

Revenue & Expenses Breakdown

How Ponce Financial Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGM:PDLB Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2610930610
31 Dec 2510528600
30 Sep 259620600
30 Jun 259116590
31 Mar 258714590
31 Dec 248310590
30 Sep 24768590
30 Jun 24789600
31 Mar 24735610
31 Dec 23723610
30 Sep 2360-6600
30 Jun 2348-24590
31 Mar 2349-23570
31 Dec 2249-30550
30 Sep 2280-6540
30 Jun 228811530
31 Mar 229316510
31 Dec 219125490
30 Sep 217212470
30 Jun 217114450
31 Mar 21598430
31 Dec 20534430
30 Sep 2047-5390
30 Jun 2040-9360
31 Mar 2040-7350
31 Dec 1941-5330
30 Sep 19413330
30 Jun 19403320
31 Mar 19392320
31 Dec 18383310
30 Sep 18361320
30 Jun 1836-3300
31 Mar 1835-2290
31 Dec 1734-3270
30 Sep 1733-1250
30 Jun 17322240
31 Mar 17301240
31 Dec 16301250
31 Dec 15303220

Quality Earnings: PDLB has high quality earnings.

Growing Profit Margin: PDLB's current net profit margins (27.7%) are higher than last year (15.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PDLB's earnings have grown significantly by 20.2% per year over the past 5 years.

Accelerating Growth: PDLB's earnings growth over the past year (122.4%) exceeds its 5-year average (20.2% per year).

Earnings vs Industry: PDLB earnings growth over the past year (122.4%) exceeded the Banks industry 23.2%.

Return on Equity

High ROE: PDLB's Return on Equity (5.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/31 07:47
End of Day Share Price 2026/05/29 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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)