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Ponce Financial Group, Inc.

PDLB

Ponce Financial Group, Inc. is a financial holding company that operates primarily through its subsidiary, Ponce Bank, a national bank designated as a Minority Depository Institution (MDI) and a Community Development Financial Institution (CDFI).

Market cap
$485.69M+46.7%
Revenue$120.0M+27.6%
Net income$33.8M+93.8%
Free cash flow$57.6M+119%
EPS (diluted)$1.41+95.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 23, 2026 (In 2 weeks)
Revenue estimate$31.8M
EPS estimate$0.52

Financials

Q2 2026

Income statement

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Revenue$31.6M+19.3%
Net income$8.5M+39.3%
EPS (diluted)$0.35+40.0%

Balance sheet

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Cash & equivalents$25.6M-28.5%
Total debt$862.0M+12.4%
Total equity$561.0M+7.7%
Total assets$3.5B+10.8%

Cash flow

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Operating cash flow$8.0M+30.3%
CapEx$3.0K-98.8%
Free cash flow$8.0M+35.8%

Valuation & ratios

Valuation

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Market cap$485.69M+46.7%
Enterprise value$1.32B+26.0%
P/E14.4×-0.8×
P/S4.1×+0.8×

Profitability

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Net margin28.1%+9.6pp
FCF margin48%+20.1pp

Returns & leverage

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Return on equity6.2%+2.8pp
Debt / equity1.5×+0.1×

Competitors

Profile

Ponce Financial Group, Inc. is a financial holding company that operates primarily through its subsidiary, Ponce Bank, a national bank designated as a Minority Depository Institution (MDI) and a Community Development Financial Institution (CDFI). The company focuses on providing traditional banking services and specialized lending to underserved communities, particularly within the New York City metropolitan area. Its core value proposition centers on community-based financial services, leveraging its status as a certified SBA lender to support local economic development.

Competitive position

A specialized community bank with MDI and CDFI designations, focusing on urban markets and minority-owned businesses.

GeographiesUnited States, New York, New Jersey, Florida
Customer segmentsRetail, SME, Commercial
Business modelInterest income, Lending, Retail banking
SuppliersDepositors, Federal Home Loan Bank, Federal Reserve Bank, Financial technology providers
CustomersHomeowners, Real estate investors, Small businesses, Local government entities
Listed2017
Employees237.0
CEOCarlos Naudon
FilingsSEC EDGAR

FAQ

What is Ponce Financial Group, Inc.'s market cap?
Ponce Financial Group, Inc. (PDLB) has a market capitalization of $485.7M and trades on NASDAQ.
What is Ponce Financial Group, Inc.'s revenue and profitability?
Ponce Financial Group, Inc. generated $120.0M in trailing twelve-month revenue with net income of $33.8M, representing a net margin of 28.1%, with free cash flow of $57.6M. The latest reported period is Q2 2026.
Who are Ponce Financial Group, Inc.'s competitors?
Ponce Financial Group, Inc.'s key competitors include Valley National Bancorp, JPMorgan Chase & Co., BCB Bancorp Inc (NJ), and others. These companies compete in similar markets and product categories.
Who does Ponce Financial Group, Inc. partner with?
Ponce Financial Group, Inc.'s notable partners include Small Business Administration, Office of the Comptroller of the Currency, Nasdaq Stock Market.
What subsidiaries does Ponce Financial Group, Inc. have?
Ponce Financial Group, Inc.'s subsidiaries include Ponce Bank, National Association.
Where is Ponce Financial Group, Inc. headquartered?
Ponce Financial Group, Inc. is headquartered in United States of America and employs approximately 237 people. It has been publicly traded since 2017.