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Ponce Financial Group, Inc.

PDLB Financial Banks Regional

Ponce Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $194.9 million, up 14.8% from fiscal 2024.

Revenue
+20.7%
EPS
+188.9%
Free cash flow
+1,603.4%
Total debt
+33.6%

Quarter to September 2026, against a year earlier

21.82 0.01 −0.05%
Market cap
$528.0M
P/E
11.3×
Fwd P/E
2.1×
Dividend yield
—
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.18
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 1 — — — — — — — — —
Insider Ownership 14.89%

Capital & Financial Ratios $m

Size
Market Cap 528.02
Revenue ttm 214.54
Net income ttm 45.50
Free cash flow ttm 70.24
Net debt Q 563.89
Valuation
P/E 11.33
Forward P/E 2.08
Price / sales 2.35
Forward P/S Powerpack
Price / FCF 7.19
Price / book 1.43
Financial health
Current ratio Q 1.34
Debt / equity Q 1.20
Interest coverage Q —
Growth
Revenue growth Q +20.72% (above 0%: growing)
Operating income growth Q +41.40% (above 0%: growing)
EPS, this year +28.33% (at or above 15%: strong)
EPS, next year A +35.06% (at or above 15%: strong)
Revenue, next year A −13.87% (below 0%: weak)
EPS, past 5 yrs +39.15% (at or above 15%: strong)
EPS, next 5 yrs A +23.31% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.16%
10-year low 10-year high
P/S against its own 10 years 74.76%
10-year low 10-year high
P/B against its own 10 years 99.72%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 139 140 126 132
Receivables — — — —
Inventory — — — —
Other — — — —
2,063 2,455 2,747 —
2023 2024 2025 Q'26
Payables 1,508 1,895 2,047 2,368
ST’ Debt — — — —
Other — — — —
1,520 1,899 2,050 —

Compound Annual Growth %

10y 5y 3y
Sales 18.38% 23.97% 29.78%
Cash Flow 26.66% 0.00% 78.35%
Earnings 27.04% 48.24% 0.00%
Book Value 19.52% 27.69% 3.20%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 9.40 Actual 0.76

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.28 0.42 Beat by 0.14
Q1 FY26 0.27 0.36 Beat by 0.09
Q2 FY26 0.37 0.35 Miss by 0.02
Q3 FY26 9.40 0.76 Miss by 8.64
Q4 FY26 0.46 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.36 0.35 0.78 — —
’25 0.25 0.25 0.27 0.42 1.20
’24 0.11 0.14 0.10 0.12 0.46
’23 0.01 0.00 0.12 0.02 0.15
’22 (0.31) 0.03 (0.64) (0.40) (1.32)
’21 0.15 0.35 0.12 0.89 1.51
’20 (0.07) (0.03) 0.24 0.10 0.23
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 51 53 58 — —
’25 46 48 48 52 195
’24 41 41 42 45 170
’23 28 33 39 36 136
’22 21 19 23 25 89
’21 19 24 21 38 102
’20 14 13 21 19 67
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 14 8 13 — —
’25 13 6 1 35 56
’24 1 (3) (15) 23 7
’23 6 (6) 7 (1) 6
’22 12 15 (12) (4) 10
’21 23 6 0 (9) 19
’20 1 (5) 1 (25) (27)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 14 8 13 — —
’25 13 6 1 35 55
’24 0 (3) (15) 22 4
’23 6 (6) 7 (1) 6
’22 12 14 (12) (4) 9
’21 21 9 (1) 23 52
’20 1 (5) 5 (25) (25)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 36 42 49 53 67 102 89 136 170 195 215 +20.6% — — — —
Gross margin, % 83.59 83.89 80.67 76.76 82.93 91.89 81.89 55.47 49.27 56.03 59.71 (27.6) pt
EBT 2 (3) 4 (6) 5 34 (37) 6 16 38 49 +35.9%
EBT margin, % 6.72 (7.04) 7.74 (11.38) 7.86 33.05 (41.32) 4.30 9.23 19.71 22.73 +13.0 pt
Net income 1 (4) 3 (5) 4 25 (30) 3 11 29 46 +39.6%
Per share, $
Per share, $ Revenue 1.40 2.37 2.76 3.05 3.99 6.08 3.93 5.98 7.57 8.57 9.29 +22.3%
Earnings 0.06 (0.24) 0.15 (0.29) 0.23 1.52 (1.32) 0.15 0.46 1.21 1.93 +39.6%
Cash flow 0.17 0.49 0.44 0.29 (1.65) 1.11 0.43 0.29 0.32 2.44 3.05 +34.6%
Capex (0.02) (0.16) (0.32) (0.22) 0.17 2.00 (0.02) (0.02) (0.12) (0.04) 0.00 +8.5%
Free cash flow 0.15 0.33 0.12 0.07 (1.48) 3.11 0.41 0.27 0.20 2.40 3.04 +36.3%
Book value 3.61 9.29 9.50 9.09 9.57 11.30 21.71 21.60 22.53 23.81 25.05 +23.3%
Shares, m 26 18 18 17 17 17 23 23 22 23 23 (1.4%)
Valuation, ×
Valuation, × P/E 186.25 0.00 60.87 0.00 31.38 6.84 0.00 63.12 27.66 13.51 11.33 39.0
P/S 0.00 0.00 3.31 3.46 1.89 1.71 2.42 1.59 1.72 1.91 2.35 1.8
P/B 0.00 0.00 0.96 1.16 0.79 0.92 0.81 0.81 1.04 1.17 1.43 0.8
EV/Sales (1.03) (0.55) 3.30 4.90 2.56 1.24 7.61 5.59 4.40 4.32 — 3.2
EV/FCF (6.80) (3.97) 76.36 211.76 (6.92) 2.43 72.93 125.17 166.42 15.41 — 65.3
Cash, $m
Cash, $m Operating cash flow 4 9 8 5 (27) 19 10 6 7 56 70 +32.7%
Capex (1) (3) (6) (4) 3 33 0 0 (3) (1) 0 +7.0%
Free cash flow 4 6 2 1 (25) 52 9 6 4 55 70 +34.4%
Balance, $m
Balance, $m Working capital 16 148 182 206 218 267 311 543 556 696 767 +52.5%
Net debt (9) (23) 0 77 45 (48) 463 545 456 470 564 n/m
Shareholders’ equity 93 165 169 158 160 189 493 491 506 542 578 +21.6%
Returns, %
Returns, % ROA 0.20 (0.53) 0.27 (0.48) 0.32 1.69 (1.51) 0.13 0.36 0.88 1.30 +0.7 pt
ROIC 1.80 (1.31) 1.41 (1.61) 1.60 14.84 (2.41) 0.35 1.02 2.37 2.67 +0.6 pt
ROE 1.55 (3.40) 1.60 (3.13) 2.42 14.57 (13.13) 1.26 3.78 9.24 13.49 +7.7 pt
People
People Employees 177 177 181 183 227 217 253 237 218 216 — +2.2%
Revenue/emp, $m 0.20 0.24 0.27 0.29 0.29 0.47 0.35 0.57 0.78 0.90 — +17.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Ponce Financial Group, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NPB Northpointe Bancshares, Inc. $549.2M 6.8× 7.9× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $548.6M 10.1× 9.9× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
BSRR Sierra Bancorp $544.1M 10.8× 10.9× −2.62% (below 0%: shrinking) +63.01% (above 0%: growing) +41.03% (above 0%: growing) 79.16% 0.00% Compare
OBT Orange County Bancorp, Inc. $534.6M 11.2× 10.5× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00% Compare
PDLB Ponce Financial Group, Inc. $528.0M 11.3× 2.1× +20.72% (above 0%: growing) +188.89% (above 0%: growing) +1,603.44% (above 0%: growing) 59.70% 0.00%
NRIM Northrim BanCorp Inc $524.3M 9.4× 9.5× −9.44% (below 0%: shrinking) −47.97% (below 0%: shrinking) −115.99% (below 0%: shrinking) 85.30% 0.00% Compare
WTBA West Bancorporation, Inc. $523.4M 12.9× 11.5× +1.00% (above 0%: growing) +24.04% (above 0%: growing) +44.69% (above 0%: growing) 56.06% 0.00% Compare
CZNC Citizens & Northern Corp $507.1M 19.2× 12.9× +26.53% (above 0%: growing) +97.50% (above 0%: growing) +90.26% (above 0%: growing) 76.74% 0.00% Compare
FMAO Farmers & Merchants Bancorp Inc. $500.5M 11.6× 11.3× +6.18% (above 0%: growing) +32.48% (above 0%: growing) +35.98% (above 0%: growing) 67.12% 0.00% Compare
Median of peers $529.4M 11.0× 10.7× −0.78% +20.68% +67.48% 73.73% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 22 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.55m 2.09m 217.13
2024 1.19m 1.88m 172.64
2023 3.66m 3.83m 129.61

Ownership

Directors and executive officers, together 7.20%
T. Rowe Price Associates, Inc. 7.80%
Ponce Bank Employee Stock Ownership Plan with 7.80%
M3 FUNDS, LLC 7.70%
BlackRock, Inc. 6.80%
Ponce De Leon Foundation 5.20%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Ponce Financial Group, Inc. (PDLB) Latest News

29 Oct

Impact 3 · · Zacks

26 Oct

Impact 4 ·
Impact 3 · · Zacks
Impact 3 · · Associated Press

27 Jul

Impact 3 ·
Impact 3 ·

29 Jun

Impact 3 ·

24 Apr

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire

3 Apr

Impact 3 · · GlobeNewswire

29 Jan

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

27 Jan

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

5 Jan

Impact 3 · · GlobeNewswire

29 Dec

Impact 4 · · ZacksZacksZacksZacksZacksZacksZacksZacks

18 Dec

Impact 4 · · ZacksZacksZacks

16 Dec

Impact 4 · · Simply Wall St.

12 Dec

Impact 4 · · Zacks

11 Dec

Impact 3 · · Zacks

8 Dec

Impact 4 ·

26 Nov

Impact 4 · · ZacksZacksZacksZacksZacksZacksZacks

11 Nov

Impact 4 · · Zacks

10 Nov

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.

25 Oct

Impact 4 · · Simply Wall St.

24 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Associated Press Finance

22 Oct

Impact 3 · · GlobeNewswire

14 Oct

Impact 3 · · GlobeNewswire
stockrow.com/PDLB · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com