PDLB - NASDAQ

Ponce Financial Group, Inc.

PDLB·NASDAQ

$19.09

-3.1%

Financial ServicesBanks - Regional

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$461.75M

EPS1.2100

P/E Ratio13.01

Earnings Date07/24/2026

3.22B

Assets

3Y+39.0%

5Y+138.0%

10Y+333.0%

2.68B

Total Liabilities

3Y+47.0%

5Y+124.0%

10Y+311.0%

541.55M

Total Equity

3Y+10.0%

5Y+239.0%

10Y+482.0%

Ponce Financial Group, Inc. Funding & Solvency Profile

PDLB · NASDAQ

Current Assets

Cash & Cash Equivalents126.40M

Net Receivables17.91M

Inventory0.00

Other Current Assets0.00

Total Current Assets237 M

Non-Current Assets

Property, Plant & Equipment43.22M

Goodwill & Intangible Assets0.00

Long-Term Investments2.88B

Other Non-Current Assets57.12M

Total Non-Current Assets3 B

Total Assets

3.22B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

4.95x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1813919000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

7% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Ponce Financial Group, Inc. Balance Sheet

PDLB • NASDAQ

Ponce Financial Group, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	126.4M	140.1M	139.4M	55.9M	156.4M	74.8M	27.7M	69.8M	59.7M	11.7M	12.7M
Short-Term Investments	92.2M	105M	119.9M	129.5M	113.3M	17.5M	21.5M	27.1M	28.9M	52.7M	82M
Cash & Short-Term Investments	218.6M	245.1M	259.3M	185.4M	269.7M	92.3M	49.2M	96.9M	88.6M	64.4M	94.7M
Net Receivables	17.9M	17.8M	18M	15M	12.4M	11.4M	4M	3.8M	3.3M	2.7M	2.7M
Accounts Receivables	17.9M	17.8M	18M	15M	12.4M	11.4M	4M	3.8M	3.3M	2.7M	2.7M
Total Current Assets	236.5M	262.8M	277.4M	200.4M	282.1M	103.7M	53.2M	100.7M	92M	67.1M	97.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	43.2M	45.9M	47.3M	50.9M	19.6M	32M	32.7M	31.1M	27.2M	26M	27.2M
Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3K	132K
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3K	132K
Long-Term Investments	2.9B	2.7B	2.4B	2B	1.3B	1.2B	956.8M	918.5M	798.7M	644.3M	571M
Tax Assets	11.5M	12.1M	14.3M	16.1M	3.8M	4.7M	3.7M	3.8M	3.9M	3.4M	3.8M
Other Non-Current Assets	57.1M	53.9M	44.1M	38.6M	26.1M	19M	7.4M	5.7M	3.8M	4.2M	3.7M
Total Non-Current Assets	3B	2.8B	2.5B	2.1B	1.4B	1.3B	1B	959.2M	833.6M	677.9M	605.8M
Total Assets	3.2B	3B	2.8B	2.3B	1.7B	1.4B	1.1B	1.1B	925.5M	745M	703.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	3.8M	3.7M	12M	1.4M	228K	60K	97K	63K	42K	28K	36K
Accounts Payable	3.8M	3.7M	12M	1.4M	228K	60K	97K	63K	42K	28K	36K
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	28K	36K
Short Term Debt	0.0	0.0	0.0	0.0	15.1M	118.8M	11M	25M	20M	3M	0.0
Other Current Liabilities	2B	1.9B	1.5B	1.3B	1.2B	1B	782M	809.8M	714M	643.1M	599.5M
Total Current Liabilities	2.1B	1.9B	1.5B	1.3B	1.2B	1.1B	793.2M	834.8M	734M	646.1M	599.6M
NON-CURRENT LIABILITIES
Long Term Debt	596.1M	596.1M	684.4M	517.4M	106.3M	29.9M	93.4M	44.4M	16.4M	3M	8M
Other Non-Current Liabilities	6.5M	19.1M	22.6M	13.6M	138M	17.3M	8.8M	11.5M	10.3M	2.9M	4.5M
Total Non-Current Liabilities	632M	645.9M	739.7M	565.5M	244.2M	47.2M	102.2M	55.9M	26.7M	5.9M	12.5M
Capital Lease Obligations	29.4M	30.7M	32.7M	34.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.7B	2.5B	2.3B	1.8B	1.5B	1.2B	895.4M	890.7M	760.7M	652M	612.1M
SHAREHOLDERS' EQUITY
Treasury Stock	-6.2M	-7.7M	-9.7M	-2K	-13.7M	-18.1M	-14.5M	0.0	0.0	0.0	0.0
Preferred Stock	225M	225M	225M	225M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	249K	249K	249K	249K	185K	185K	185K	185K	185K	0.0	0.0
Additional Paid-In Capital	208.6M	207.3M	207.1M	206.5M	85.6M	85.1M	84.8M	84.6M	84.4M	0.0	0.0
Retained Earnings	135.3M	107.8M	97.4M	93M	123M	97.5M	93.7M	98.8M	94.9M	99.2M	97.8M
Accumulated Other Comprehensive Income/Loss	-10.8M	-15.3M	-15.6M	-17.9M	-1.5M	135K	20K	-8.1M	-7.9M	-6.3M	-370K
Other Total Stockholders' Equity	-10.7M	-11.8M	-13M	-14.2M	-4.3M	-5.3M	-5.8M	-6.3M	-6.8M	0.0	-6.4M
Total Stockholders' Equity	541.5M	505.5M	491.4M	492.7M	189.3M	159.5M	158.4M	169.2M	164.8M	93M	91.1M
Total Equity	541.5M	505.5M	491.4M	492.7M	189.3M	159.5M	158.4M	169.2M	164.8M	93M	91.1M
SUMMARY
Total Liabilities & Equity	3.2B	3B	2.8B	2.3B	1.7B	1.4B	1.1B	1.1B	925.5M	745M	703.2M
Total Investments	3B	2.8B	2.5B	2.1B	1.4B	1.2B	978.3M	945.7M	827.6M	697M	653M
Total Debt	625.5M	626.8M	717.1M	551.9M	121.3M	148.7M	104.4M	69.4M	36.4M	6M	8M
Net Debt	499.1M	486.7M	577.7M	496.1M	-35M	73.9M	76.7M	-374K	-23.3M	-5.7M	-4.7M
Shares Outstanding	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009	22,766,009

SEC Filings

PDLB - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 24, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 22, 2026	June 11, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 31, 2026	March 26, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 05, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 24, 2025	October 24, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 14, 2025	October 14, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	August 06, 2025	June 30, 2025	2025	View Filing

Showing 1 to 10 of 82 filings

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