Ponce Financial Group, Inc.
PDLB Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 27, 2026
$21.78
KIRA · Stoqly’s AI analyst, in plain words
- Ponce Financial Group, Inc. had $109M of revenue in fiscal 2025, up 30.5% on the year before. Over five years, revenue changed +14.6% a year on average.
- Ponce Financial Group, Inc. made $28.7M of net profit in fiscal 2025.
- It earned 5.5% on shareholders’ money. Running costs took 61.4% of revenue (the efficiency ratio; lower is better).
Market cap
$512M
P/E
15.4x
Revenue
$109M
Net income
$28.7M
Return on equity
5.5%
Efficiency ratio
61.4%
Ponce Financial Group, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+30.5%
Yes. Sales grew 30.5% last year.
Does it make a profit?
26.3%
Yes. It keeps 26.3% of every sale as profit.
How lean are its costs?
61.4%
Average. Running costs take 61.4% of revenue.
How much does it earn on its capital?
5.5%
Low. It earns 5.5% a year on shareholders’ money.
How is the share priced?
15.4x
One share costs 15.4 times its yearly profit per share.
What Ponce Financial Group, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- Ponce Financial Group, Inc.
- CIK
- 0001874071
Ponce Financial Group, Inc. · PDLB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $93.5M | $73.0M | $75.5M | $83.7M | $109M |
| Revenue growth | 69.3% | −21.9% | 3.4% | 10.9% | 30.5% |
| Net interest income | $58.8M | $66.6M | $65.3M | $76.5M | $99.8M |
| Net income | $25.4M | −$30.0M | $3.4M | $11.0M | $28.7M |
| Net margin | 27.2% | −41.1% | 4.4% | 13.1% | 26.3% |
| Diluted EPS | $1.51 | −$1.32 | $0.15 | $0.46 | $1.20 |
| Cash | |||||
| Cash from operations | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Capital expenditure | $4.2M | $0.5M | $0.4M | $2.7M | $1.0M |
| Free cash flow | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
| FCF margin | 15.4% | 12.7% | 8.1% | 5.4% | 50.0% |
| Share buybacks | $1.6M | — | $11.0M | — | — |
| Share count change | 0.7% | 35.1% | 0.6% | −1.2% | 2.3% |
| Debt and strength | |||||
| Cash and short-term investments | $154M | $54.4M | $139M | $140M | $126M |
| Debt incl. finance leases | — | $517M | $684M | $596M | $596M |
| Loans, net | $1.3B | $1.5B | $1.9B | — | — |
| Deposits | $1.2B | $1.3B | $1.5B | $1.9B | $2.0B |
| Shareholders' equity | $189M | $493M | $491M | $506M | $542M |
| Returns and quality | |||||
| Return on equity | 14.6% | −8.8% | 0.7% | 2.2% | 5.5% |
| Return on tangible equity | 13.4% | −6.1% | 0.7% | 2.0% | 5.1% |
| Efficiency ratio | 61.1% | 117.5% | 87.9% | 80.6% | 61.4% |
| Piotroski F-score | — | — | 4 | 6 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.2M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ponce Financial Group, Inc. · PDLB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $21.78 a share, the company is worth $512M: 15.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001874071). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.