PDLB

BULLISH

$17.51 Live

Ponce Financial Group, Inc. · NASDAQ

$10.88 52W Range $18.01

PDLB Ponce Financial Group, Inc. - Fundamental Analysis

BULLISH

Console Chart News

PDLB Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$17.51

52W High

$18.01

52W Low

$10.88

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$400.77M

P/E

14.59

ROE

5.5%

Profit margin

27.2%

Debt/Equity

N/A

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

75%

PDLB presents a compelling value opportunity, trading at $17.51, which is below both its Graham Number ($19.29) and its growth-based intrinsic value ($35.4). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is experiencing explosive earnings growth (264.10% YoY) and consistent earnings beats. The primary disconnect lies between strong fundamental growth and bearish technicals/insider sentiment. Overall, the valuation gap and growth trajectory outweigh the mediocre health score.

Key Strengths

Trading below Graham Number ($19.29) and Intrinsic Value ($35.4)

Exceptional earnings growth of 264.10% YoY

Strong track record of earnings surprises (3/4 beats in last 4 quarters)

Low P/E ratio (14.59) relative to massive growth rates

High operating margin of 45.49%

Key Risks

Low Return on Equity (5.48%) and Return on Assets (0.92%)

Bearish insider sentiment with recent selling activity

Very weak technical trend (10/100)

Piotroski F-Score of 4/9 suggests only mediocre financial health

Lack of analyst coverage and target price guidance

AI Fair Value Estimate

Based on comprehensive analysis

$27.35

+56.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued Growth

Key drivers: Earnings Growth, Price-to-Graham Gap, Earnings Surprise Trend

Confidence

80%

Value

85/100

Ref P/E 14.59, Graham Number $19.29

Positives

Price < Graham Number
Low Forward P/E (12.33)
Price/Book of 1.27 is reasonable for the sector

Watchpoints

Price/Sales is slightly high at 3.80

Future

90/100

Ref Growth rates

Positives

Revenue growth 38.30% YoY
Earnings growth 264.10% YoY
Strong Q/Q earnings momentum

Watchpoints

Sustainability of triple-digit growth is uncertain

Past

60/100

Ref Historical trends

Positives

Strong recovery in EPS since 2023
Consistent beats in the last 2 years

Watchpoints

Significant volatility and misses in 2020-2022

Health

45/100

Ref Piotroski F-Score 4/9

Positives

Piotroski score is in the 'Stable' range

Watchpoints

Low ROE (5.48%)
Low ROA (0.92%)
Piotroski score 4/9 is not 'Strong'

Dividend

0/100

Ref Yield N/A

Positives

No standout positives identified.

Watchpoints

No dividend payments
0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$17.51

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PDLB and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PDLB Ponce Financial Group, Inc. Primary	+118.5%	+124.2%	+57.6%	+24.9%	+6.4%	-1.7%
GBLI Global Indemnity Group, LLC Peer	+20.4%	+13.2%	-4.0%	-2.2%	-3.1%	+1.6%
BWFG Bankwell Financial Group, Inc. Peer	+112.0%	+132.2%	+83.3%	+18.3%	+9.1%	+4.5%
GCBC Greene County Bancorp, Inc. Peer	+98.4%	+10.1%	+8.4%	+4.8%	+4.7%	+1.7%
GLAD Gladstone Capital Corporation Peer	+25.5%	+25.6%	-23.1%	-7.3%	-2.7%	-2.6%

PDL

Ponce Financial Group, Inc.

Primary

+118.5%

+124.2%

+57.6%

+24.9%

+6.4%

-1.7%

GBL

Global Indemnity Group, LLC

Peer

+20.4%

+13.2%

-4.0%

-2.2%

-3.1%

+1.6%

BWF

Bankwell Financial Group, Inc.

Peer

+112.0%

+132.2%

+83.3%

+18.3%

+9.1%

+4.5%

GCB

Greene County Bancorp, Inc.

Peer

+98.4%

+10.1%

+8.4%

+4.8%

+4.7%

+1.7%

GLA

Gladstone Capital Corporation

Peer

+25.5%

+25.6%

-23.1%

-7.3%

-2.7%

-2.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

14.59

12.33

N/A

1.27

3.8

10.88

N/A

$400.77M

Profitability

Profit margins and return metrics

Profit Margin 27.22%

Operating Margin 45.48%

Gross Margin N/A

ROE 5.48%

ROA 0.92%

Growth

Revenue and earnings growth rates

Revenue Growth +38.3%

Earnings Growth +264.1%

Q/Q Revenue Growth +40.91%

Q/Q Earnings Growth +245.6%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$5.23

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

32.4%

Total Assets

$3.2B

Liabilities

$2.7B

Equity

$0.5B

Debt/Equity

4.95x

Operating CF

$0.0B

Free Cash Flow

$0.0B

FCF Yield

100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-24

$N/A

2026-01-27

$0.42

+50.0% surprise

2025-10-24

$0.27

+22.7% surprise

2025-07-25

$0.25

+47.1% surprise

Financial Services Sector Comparison

Comparing PDLB against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)

P/E Ratio

14.59

This Stock

41.68

Sector Avg

-65.0% (Discount)

Return on Equity (ROE)

5.48%

This Stock

-0.24%

Sector Avg

-2356.8% (Below Avg)

Profit Margin

27.22%

This Stock

47.47%

Sector Avg

-42.7% (Weaker)

Revenue Growth

38.3%

This Stock

39.3%

Sector Avg

-2.5% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PDLB Ponce Financial Group, Inc.	BULLISH	$400.77M	14.59	5.5%	27.2%	$17.51
GBLI Global Indemnity Group, LLC	BEARISH	$401.82M	16.0	3.6%	5.6%	$28.0	Compare
BWFG Bankwell Financial Group, Inc.	BULLISH	$404.5M	11.4	12.3%	32.8%	$50.71	Compare
GCBC Greene County Bancorp, Inc.	NEUTRAL	$396.73M	10.84	15.3%	44.6%	$23.3	Compare
GLAD Gladstone Capital Corporation	BEARISH	$394.02M	11.04	7.2%	38.9%	$17.44	Compare

PDLB Ponce Financial...

BULLISH

Mkt Cap

$401M

P/E

14.6

ROE

5.5%

Price

$17.51

Compare with PDLB

Compare with PDLB

GCBC Greene County...

Compare with PDLB

Compare with PDLB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-11	KOUZILOS IOANNIS	Officer	Sale	10,929	$183,716
2026-02-11	KOUZILOS IOANNIS	Officer	Option Exercise	10,929	$125,519
2026-02-09	CAMPIZ BETTY YOLAINY	Officer	Stock Award	10,000	-
2026-02-09	DELEON MELISSA ANTONIA	Officer	Stock Award	5,000	-
2026-01-22	NAUDON CARLOS P	Chief Executive Officer	Stock Award	15,000	-
2026-01-22	KOUZILOS IOANNIS	Officer	Stock Award	5,000	-
2026-01-22	TSAVARIS STEVEN A	Officer and Director	Stock Award	15,000	-
2026-01-22	GONZALEZ LUIS GERARDO JR.	Chief Operating Officer	Stock Award	5,000	-
2026-01-22	VACCARO SERGIO JAVIER	Chief Financial Officer	Stock Award	10,000	-

KOUZILOS IOANNIS

Officer

Sell

2026-02-11

10,929 shares · $183,716

KOUZILOS IOANNIS

Officer

Option Exercise

2026-02-11

10,929 shares · $125,519

CAMPIZ BETTY YOLAINY

Officer

Stock Award

2026-02-09

10,000 shares

DELEON MELISSA ANTONIA

Officer

Stock Award

2026-02-09

5,000 shares

NAUDON CARLOS P

Chief Executive Officer

Stock Award

2026-01-22

15,000 shares

KOUZILOS IOANNIS

Officer

Stock Award

2026-01-22

5,000 shares

TSAVARIS STEVEN A

Officer and Director

Stock Award

2026-01-22

15,000 shares

GONZALEZ LUIS GERARDO JR.

Chief Operating Officer

Stock Award

2026-01-22

5,000 shares

VACCARO SERGIO JAVIER

Chief Financial Officer

Stock Award

2026-01-22

10,000 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-03-31

10-K

2026-03-13

PDLB filed its annual 10-K report on March 13, 2026. Due to the absence of detailed text in the provided excerpts, specific financial highlights and risk factors cannot be determined.

8-K

2026-01-27

ProKidney Corp. filed an 8-K on January 27, 2026, likely to announce its fourth quarter and full-year financial results.

10-Q

2025-11-05

PDLB filed its quarterly 10-Q report on November 5, 2025. While the filing includes a dedicated section for Risk Factors, no specific financial highlights or detailed risk descriptions were provided in the available excerpts.

8-K

2025-10-24

PDLB filed an 8-K on October 24, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-14

10-Q

2025-08-06

PDLB filed its 10-Q on August 6, 2025. Due to the limited content provided in the excerpt, specific financial highlights and detailed risk factors are unavailable.

8-K

2025-07-25

8-K

2025-06-17

8-K

2025-05-13

PDLB filed an 8-K on May 13, 2025, likely to announce its first-quarter financial results.

10-Q

2025-05-06

8-K

2025-04-25

DEF 14A

2025-04-23

10-K

2025-03-13

8-K

2025-01-28

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PDLB from our newsroom.

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PDLB

PDLB Ponce Financial Group, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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