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Ponce Financial Group, Inc. (PDLB) stock

PDLBNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 15/3014% below fair value
$22.06+0.11 (+0.50%)

Close on Nov 11, 2026Market cap $533.59MP/E 11.7Yield –

Ponce Financial Group, Inc. grew revenue 27.3% to $128.11M over the twelve months to Sep 30, 2026. Free cash flow was $70.24M, up 67.1% from a year earlier. At the latest close the market valued the company at $533.59M, 11.7 times its earnings.

Revenue
$128.11M
+27.3% vs. a year earlier
Free cash flow
$70.24M
+67.1% vs. a year earlier
EPS, diluted
$1.89
+112.4% vs. a year earlier

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026

Valuation

Market cap
$533.59M
P/E ratio
11.7
Price to sales
4.17
Price to book
0.92
Dividend yield
–
Free cash flow yield
13.16%

Fundamentals

Revenue
$128.11M
Net income
$45.50M
EPS, diluted
$1.89
Free cash flow
$70.24M
Book value per share
$24.45
Diluted shares
24M

Trading

Next earnings
Q3 FY2026, expected soon
Previous close
$21.95
Open
$21.95
Day's range
$21.90 – $22.18
Volume
67,627
Average volume (20 days)
137,906
Index membership
Russell 2000 (since Jun 2023)
Beta (5 years)
0.48
52-week range
$14.75 – $22.93
RSI (14 days)
61.1
Volatility (1 year)
21.1%
Relative volume
0.76×
WACC
7.4%

On 1 of our idea list: Breakout quarter

Index membership is inferred from the holdings of funds that track each index (IWM), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.

Market cap history

Month-end market cap since 2020, using shares outstanding reported at the time

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.

PeriodPDLBS&P 500DifferencePDLB per yearS&P 500 per year
1 month+10.0%-2.4%+12.4 pts
3 months+7.9%-1.2%+9.1 pts
Year to date+34.9%+12.3%+22.6 pts
1 year+41.5%+12.4%+29.1 pts
3 years+177.8%+78.8%+99.0 pts+40.6%+21.4%
5 years+100.1%+75.2%+24.9 pts+14.9%+11.9%

Eight years at a glance

Fiscal years 2018 to 2025 and trailing twelve months, USD

Revenue

$128.11M+27.3% YoY

Net income

$45.50M+111.6% YoY

EPS, diluted

$1.89+112.4% YoY

Free cash flow

$70.24M+67.1% YoY
Reported periodTrailing twelve months

Press releases

Releases Ponce Financial filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About Ponce Financial

Savings Institution, Federally Chartered

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank, National Association. The institution provides retail and commercial banking products, such as demand, savings, money market, and certificate of deposit accounts. Its principal lending activities center on real estate financing, encompassing construction and land loans, multifamily residential mortgages, nonresidential property loans, and one-to-four family residential mortgages, alongside commercial, industrial, and consumer loans. Ponce Bank is certified as a Community Development Financial Institution, a Minority Depository Institution, and a Small Business Administration lender, serving immigrant communities, local laborers, businesses, and real estate developers.

Company profile, executives and history

Ponce Financial stock: common questions

What is Ponce Financial's stock price?

PDLB closed at $22.06 on Nov 11, 2026, up 0.50% on the day. Over the past 52 weeks it traded between $14.75 and $22.93.

What is Ponce Financial's market cap?

Ponce Financial was worth $533.59M at the close on Nov 11, 2026: the share price times the diluted shares outstanding.

What is PDLB's P/E ratio?

PDLB trades at 11.7 times earnings, based on diluted earnings per share of $1.89 over the twelve months to Sep 30, 2026.

How much revenue does Ponce Financial make?

Ponce Financial reported revenue of $128.11M for the twelve months to Sep 30, 2026, up 27.3% from a year earlier.

Does Ponce Financial pay a dividend?

No. Ponce Financial has not paid a cash dividend over the last twelve months.

When does Ponce Financial report earnings next?

Ponce Financial's Q3 FY2026 results are due soon; the company has not yet filed them with the SEC.

How has PDLB stock performed over the past year?

Including dividends, PDLB returned +41.5% over the past year, against +12.4% for the S&P 500.

How many PDLB shares are sold short?

1M shares were sold short at the latest FINRA report, 2.72% of the float, or 4.5 days of average trading volume.

Who are Ponce Financial's competitors?

Companies most similar to Ponce Financial by business, industry and size include BCBP, KRNY, PFS, NECB, FGBI.

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