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PDLB 
Ponce Financial Group Inc (PDLB)
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Upturn Advisory Summary
10/31/2025: PDLB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $18
1 Year Target Price $18
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 52.8% | Avg. Invested days 98 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 321.23M USD | Price to earnings Ratio 15.85 | 1Y Target Price 18 |
Price to earnings Ratio 15.85 | 1Y Target Price 18 | ||
Volume (30-day avg) 1 | Beta 0.67 | 52 Weeks Range 10.88 - 15.21 | Updated Date 11/2/2025 |
52 Weeks Range 10.88 - 15.21 | Updated Date 11/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.89 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-24 | When Before Market | Estimate 0.22 | Actual 0.27 |
Profitability
Profit Margin 22.34% | Operating Margin (TTM) 35.56% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 4.16% |
Valuation
Trailing PE 15.85 | Forward PE 49.26 | Enterprise Value 950531008 | Price to Sales(TTM) 3.34 |
Enterprise Value 950531008 | Price to Sales(TTM) 3.34 | ||
Enterprise Value to Revenue 12.13 | Enterprise Value to EBITDA - | Shares Outstanding 22766009 | Shares Floating 17095591 |
Shares Outstanding 22766009 | Shares Floating 17095591 | ||
Percent Insiders 18.95 | Percent Institutions 47.99 |
Upturn AI SWOT
Ponce Financial Group Inc
Company Overview
History and Background
Ponce Financial Group, Inc. is the holding company for Ponce Bank. Ponce Bank was originally chartered in 1960 as a savings and loan association to serve the financial needs of the Puerto Rican community in the Bronx, New York.
Core Business Areas
- Retail Banking: Provides traditional retail banking services, including checking and savings accounts, personal loans, and mortgages.
- Commercial Banking: Offers commercial lending, real estate financing, and business banking services to small and medium-sized businesses.
- Wealth Management: Provides investment and wealth management services to individuals and families.
Leadership and Structure
Ponce Financial Group's leadership team consists of executive officers responsible for overseeing the company's operations and strategic direction. The organizational structure is hierarchical, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Mortgages for residential properties. Market share information unavailable. Competitors include large national banks and regional lenders.
- Commercial Real Estate Loans: Loans for commercial real estate projects. Market share information unavailable. Competitors include other commercial banks and private lenders.
- Small Business Loans: Loans provided to small businesses, includes SBA offerings. Market share information unavailable. Competitors include online lenders and other community banks
Market Dynamics
Industry Overview
The banking industry is subject to regulatory changes, interest rate fluctuations, and economic cycles. Technology and increased competition are key industry trends.
Positioning
Ponce Financial Group focuses on serving the Hispanic community in the New York metropolitan area. It competes with larger regional and national banks.
Total Addressable Market (TAM)
Total addressable market is comprised of the total value of banking services within its operational footprint and within its desired target market of hispanic communitites in the New York area, which will total in the tens of billions of dollars. Ponce Financial Group's positioning is as a community focused partner in the area to serve clients' financial needs.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experience in serving Hispanic markets
- Strong Balance Sheet
- Experienced Management Team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on specific geographic markets
Opportunities
- Expanding into new markets with sizable Hispanic populations
- Growing wealth management services
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks
- Economic downturns impacting loan performance
- Regulatory changes
- Interest rate sensitivity
Competitors and Market Share
Key Competitors
- Popular, Inc. (BPOP)
- First BanCorp. (FBP)
- OFG Bancorp (OFG)
Competitive Landscape
Ponce Financial Group is a smaller player in the market compared to larger regional banks such as Popular, Inc. It differentiates itself through its focus on serving the Hispanic community and personalized customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable.
Future Projections: Future growth projections unavailable.
Recent Initiatives: Focus on expanding digital banking services, growing commercial lending portfolio, and improving operational efficiency.
Summary
Ponce Financial Group is a community bank focused on serving the Hispanic population in the New York metropolitan area. Its strengths lie in its community ties and experience in its target market. However, its limited geographic reach and smaller scale compared to larger competitors could pose challenges. Ponce Financial Group needs to carefully navigate the competitive landscape and economic environment to sustain growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ponce Financial Group Inc
Exchange NASDAQ | Headquaters Bronx, NY, United States | ||
IPO Launch date 2017-10-02 | President, CEO & Director Mr. Carlos P. Naudon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 209 | Website https://www.poncebank.com |
Full time employees 209 | Website https://www.poncebank.com | ||
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers 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. The company also provides real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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