Start here if you're new
what it is
Ponce takes your deposits, makes mostly mortgage loans, and earns the spread between what it pays you and what borrowers pay it.
how it gets paid
Last year Ponce Financial Grp made $186M in revenue. 1-4 family residential mortgages was the main engine at $67.0M, or 36% of sales.
why it's growing
Revenue grew 14.1% last year. $0.77 mattered most because it was 67% higher than the entire 2024 full-year EPS of $0.46 from the quarterly history.
what just happened
The latest quarter put up $137 million of revenue and $0.77 of EPS, which is more profit than all of 2024.
At a glance
C++ balance sheet — some cracks in the foundation
15/100 earnings predictability — expect surprises
13.7x trailing p/e — the market's not buying it — or you found a deal
$1.19 fy2025 eps est
$3M fy2024 rev est
xvary composite: 60/100 — average
What they do
Ponce takes your deposits, makes mostly mortgage loans, and earns the spread between what it pays you and what borrowers pay it.
This is a local bank with 13 full-service branches and five mortgage offices in New York and New Jersey, according to the company description in the primary source. Relationship banking → people keep their checking account, mortgage, and business ties in one place → so what: your customer base tends to stick around. That matters more when you only have 218 employees, because every branch relationship has to work harder.
How they make money
$186M
annual revenue · their business grew +14.1% last year
1-4 family residential mortgages
$67.0M
Multifamily residential mortgages
$52.1M
Nonresidential property loans
$31.6M
Construction, land, business and consumer loans
$18.6M
Securities and other banking income
$16.7M
The products that matter
gathers customer deposits
Deposit Accounts
core funding source
these deposits fund a bank generating $185.5M in interest income, which matters far more here than the $0.5M fee business.
funding base
originates income-producing loans
Loan Portfolio
$185.5M interest income
this lending book drives the story: it produced $185.5M in annual interest income and leaves the bank with 99% revenue concentration in spread income.
main earnings engine
earns limited fee revenue
Non-Interest Income
$0.5M · flat
at $0.5M and flat growth, fee income is a rounding error. If margins tighten, there is not much else here to pick up the slack.
little cushion
Key numbers
$186M
ttm revenue
That is the SEC-verified revenue base. It also makes the $3 million primary-source figure look like a clerical jump scare.
$0.77
latest eps
EPS → profit per share → so what: one quarter produced more profit than all of 2024's $0.46.
13.7x
p/e ratio
P/E → price divided by earnings → so what: you are not paying a wild multiple if the new profit level holds.
$596M
long-term debt
Debt equals 60% of capital in the primary source. That is the number you watch before dreaming about upside.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 1 — safer than 95% of stocks
- price stability 55 / 100
- long-term debt $596M (60% of capital)
C++ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for PDLB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter put up $137 million of revenue and $0.77 of EPS, which is more profit than all of 2024.
Revenue rose 192% vs. prior year to $137 million, and EPS rose 185% to $0.77, based on the SEC data. Contrast frame: full-year 2024 EPS was $0.46 in the primary source, so one quarter just cleared that.
$137M
revenue
$0.77
eps
+192%
revenue growth
the number that mattered
$0.77 mattered most because it was 67% higher than the entire 2024 full-year EPS of $0.46 from the quarterly history.
source: company earnings report, 2026
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What could go wrong
the #1 risk is balance-sheet leverage at a small community bank.
high
$596M debt load
PDLB carries $596M in long-term debt, equal to 60% of capital.
That reduces flexibility if funding costs rise or credit quality weakens.
med
Spread-income concentration
$185.5M of interest income versus $0.5M of non-interest income means roughly 99% of reported revenue is tied to spread economics.
If net interest margin compresses, there is very little fee income to soften the hit.
med
Thin profitability
Return on average equity is 2.30%, and earnings predictability is just 15/100.
That is not much earnings power for the amount of balance-sheet risk you are taking.
$596M in long-term debt, 60% debt-to-capital, and 99% dependence on spread income leave very little room for a mistake.
source: institutional data · regulatory filings · risk analysis
Pay attention to
key metric
Return on equity
2.30% is the weak link. If that number does not improve, the 13.75x P/E will keep looking ordinary instead of cheap.
next event
Next earnings report
Estimated earnings date is April 24, 2026. Watch net interest income and any comment on funding costs before you fixate on EPS.
red flag
Revenue field consistency
This snapshot shows a $3M revenue estimate, $105M trailing revenue, and $186M of combined income lines. The next clean filing matters because the data picture is messy.
trend
Fee income staying tiny
Non-interest income is just $0.5M and flat. If that stays true, rates will keep driving almost the entire story.
Analyst rankings
earnings predictability
15 / 100
in human-speak, analysts do not trust this earnings stream to stay smooth.
risk rank
1
The stock has behaved safer than 95% of stocks, even though the balance sheet itself is not especially strong.
source: institutional data
Institutional activity
institutional ownership data for PDLB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$16
current price
n/a
target midpoint · n/a from current
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