Ponce Financial Group, Inc.
PDLBFinancial ServicesNASDAQBanks - Regional
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Daily timeframePonce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. Valued at $489.8M, PDLB is a small-cap name in its sector. It provides various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations.
Market Cap
$489.8M
Beta
0.53
P/E (TTM)
15.46
P/E (Fwd)
11.44
EPS (TTM)
$1.31
EPS (Fwd)
$1.77
ROE
5.9%
ROA
1.0%
Cash
$117.5M
Total Debt
$600.5M
Free CF
—
52W Change
45.0%
Annual Financials
Cash vs Debt
On the balance sheet, PDLB has $117.5M in cash with $600.5M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 5.9% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $71.0M (2022) to $108.3M (2025), reflecting a 53% increase over the period.
With a beta below 0.7, Ponce Financial Group, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing PDLB's risk profile alongside its fundamentals and technical indicators provides a more complete picture.