Ponce Financial Group, Inc.
PDLBFinancial ServicesNASDAQBanks - Regional · Last scanned May 30, 2026
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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. With a market capitalization of $456.7M, it sits in small-cap territory. 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
$456.7M
Beta
0.51
P/E (TTM)
14.41
P/E (Fwd)
10.67
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
41.6%
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. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Ponce Financial Group, Inc.'s trajectory.