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
$22.18−0.02 (-0.09%)
Close on Nov 13, 2026Market cap $536.49MP/E 11.7Yield –
Ponce Financial statistics
83 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Q3 FY2026, expected soon
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 0.93
- 1.52
- P/OCF Ratio
- 7.63
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.16
- 2.95
- EV / FCF
- 5.76
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 2.16%
- 0.33%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 23M
- 17M
- Shares Held by Insiders
- 5.63%
- 6.05%
- Shares Held by Institutions
- 47.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 621,962
- –
- Short Interest Change
- 3.44%
- -4.13%
- Short % of Float
- 2.72%
- 3.58%
- Short % of Shares Outstanding
- 2.57%
- 3.18%
- Days to Cover
- 4.46
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $22.93
- –
- 52-Week Low
- $14.75
- –
- 20-Day Moving Average
- $21.63
- –
- 50-Day Moving Average
- $20.81
- –
- 200-Day Moving Average
- $19.00
- –
- Average True Range (14)
- $0.51
- –
- Price Change (1 Week)
- 2.21%
- 0.69%
- Price Change (1 Month)
- 9.91%
- 3.79%
- Price Change (3 Months)
- 6.89%
- -2.72%
- Price Change (6 Months)
- 26.7%
- 12.2%
- Price Change (YTD)
- 35.7%
- 19.9%
- Price Change (1 Year)
- 39.9%
- 25.7%
- Price Change (3 Years)
- 155.2%
- 65.1%
- Price Change (5 Years)
- 44.2%
- 26.9%
- Average Volume (10 Days)
- 121,734
- –
- Average Volume (20 Days)
- 137,186
- –
- Average Volume (90 Days)
- 89,686
- –
- Relative Volume
- 0.67
- 0.68
- Relative Strength Index (14)
- 62.4
- 53.1
- Volatility (1 Year)
- 21.1%
- 24.4%
- Beta (5 Years)
- 0.48
- 0.63
MarginsIndustry
- Pretax Margin
- 38.1%
- 37.0%
- FCF Margin
- 54.8%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 8.21%
- 10.7%
- Return on Assets (ROA)
- 1.33%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 27.3%
- 11.7%
- Net Income Growth (YoY)
- 111.6%
- 22.6%
- EPS Growth (YoY)
- 112.4%
- 21.6%
- FCF Growth (YoY)
- 67.1%
- 27.2%
- Revenue Growth (3Y CAGR)
- 14.4%
- 5.82%
- Revenue Growth (5Y CAGR)
- 14.6%
- 6.17%
- EPS Growth (5Y CAGR)
- 39.2%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $593.09K
- $358.92K
- Profits Per Employee
- $210.66K
- $110.51K
- Employee Count
- 216
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $48.76M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $132.21M
- $165.09M
- Net Cash Per Share
- $5.47
- $8.07
- Equity (Book Value)
- $578.26M
- $570.13M
- Book Value Per Share
- $23.91
- $28.12
- Tangible Book Value
- $578.26M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$60.00K
- -$4.24M
- FCF Per Share
- $2.90
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.48%
- 8.29%
- FCF Yield
- 13.1%
- 9.18%
Taxes and interestIndustry
- Income Tax
- $3.26M
- $16.14M
- Effective Tax Rate
- 6.68%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $31.88
- $45.07
- Graham Upside
- 43.8%
- 18.8%
- Altman Z-Score
- 0.20
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $47.25
- –
- Lynch Upside
- 113.0%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | PDLB | S&P 500 | Difference | PDLB per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +10.3% | -3.0% | +13.3 pts | ||
| 3 months | +7.0% | -2.8% | +9.8 pts | ||
| Year to date | +35.7% | +11.5% | +24.2 pts | ||
| 1 year | +40.6% | +13.5% | +27.2 pts | ||
| 3 years | +176.6% | +77.7% | +98.9 pts | +40.4% | +21.1% |
| 5 years | +101.2% | +72.6% | +28.6 pts | +15.0% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M PDLB shares were sold short on Oct 30, 2026, up 3.4% from the previous report, or 2.72% of the shares available to trade. At recent volumes it would take 4.5 days to buy them back. Over the last 20 sessions, 51.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 621,962 | +3.4% | 139,421 | 4.5 |
| Oct 15, 2026 | 601,255 | +21.6% | 79,324 | 7.6 |
| Sep 30, 2026 | 494,651 | +27.9% | 90,512 | 5.5 |
| Sep 15, 2026 | 386,672 | +2.9% | 76,519 | 5.0 |
| Aug 31, 2026 | 375,766 | +17.5% | 74,519 | 5.0 |
| Aug 14, 2026 | 319,670 | +9.4% | 68,556 | 4.7 |
| Jul 31, 2026 | 292,239 | +0.2% | 67,342 | 4.3 |
| Jul 15, 2026 | 291,608 | -7.1% | 50,251 | 5.8 |
| Jun 30, 2026 | 313,901 | +15.9% | 106,381 | 3.0 |
| Jun 15, 2026 | 270,889 | -3.7% | 102,509 | 2.6 |
| May 29, 2026 | 281,241 | -8.0% | 82,523 | 3.4 |
| May 15, 2026 | 305,568 | -5.7% | 37,243 | 8.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?