PDLB
Ponce Financial Group, Inc.
Next earnings Jul 23, 2026 · consensus $0.38 EPS
Last earnings +1.0% on 2026-04-24
$19.75
▲ +1.02%$19.75▲ +49.62%
over 1Y
L $13.20EODHDH $19.75
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.0%
1W+2.2%
1M+4.9%
3M+20.0%
YTD+22.7%
1Y+49.6%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Mixed signals in the latest filings.
Return on equity 5.3% · latest
The read
Middling fundamentals offset by an attractive price (~127% below fair value) — worth a look on the value angle.
Ponce Financial Group, Inc. shows limited reported revenue, and 5.3% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $25.4M | -$30.0M | $3.35M | $11.0M | $28.7M |
| Diluted EPS | $1.51 | -$1.32 | $0.15 | $0.46 | $1.20 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF8.7
PEG (trailing)0.10
Earnings yield6.0%
FCF yield11.4%
Quality & risk
ROIC (est.)—
Free cash flow$54.6M
Total debt$596M
Net cash-$470M
Piotroski F-Score5/6
Capital returns
Buyback yield2.3%
Dividend yield (est.)—
Shareholder yield2.3%
Shares Δ YoY+0.8%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-112026-06-12open ↗SCHEDULE 13G/AFiling2026-05-07open ↗10-QPeriod ending 2026-03-312026-05-07open ↗8-KPeriod ending 2026-04-242026-04-24open ↗ARSPeriod ending 2025-12-312026-04-22open ↗DEFA14AFiling2026-04-22open ↗DEF 14APeriod ending 2026-06-112026-04-22open ↗3/APeriod ending 2026-03-262026-03-31open ↗8-KPeriod ending 2026-03-262026-03-31open ↗3Period ending 2026-03-262026-03-30open ↗10-KPeriod ending 2025-12-312026-03-13open ↗SCHEDULE 13G/AFiling2026-02-17open ↗
Frequently asked
- Is Ponce Financial Group, Inc. (PDLB) a buy?
- PDLB currently carries a Hold rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is PDLB's fair value?
- A Modified-Graham model based on PDLB's SEC fundamentals estimates a fair value of about $44.82. It is an estimate from reported earnings, not a price target.
- Is PDLB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, PDLB currently appears undervalued relative to its SEC-grounded earnings power.
- What is Ponce Financial Group, Inc.'s quality score?
- PDLB scores 75.70588235294116/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001874071, latest 10-Q filed 2026-05-07) · EODHD · as of 6/28/2026, 11:26:55 AM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.