PDLB · Ponce Financial Group, Inc.
$20.46
-0.20 (-0.97%)
At close · Aug 5
Market Cap
$499.48M
Shares
24.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$20.46
Open$20.66
Day$20.40–20.79
52W$13.91–20.79
Avg vol 30d75K
Short int292K · 1.2% float · 5.8d
Short vol64%
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.8 · calm
Equity put/call 0.46
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+4%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
95%
near high
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+22%
trailing
YTD return
+25%
this year
Relative strength
+11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
18 of 90 funds reported for Jun 30 · net +5.0K sh shares · +2 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.21% of float · ▼ -7.1% MoM · 5.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
90 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+161%
Y/Y
Free cash flow
$54.6M
Valuation
P/E 14.7
in line
Balance sheet
$469.9M
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−8%
past year
ATR
2.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
95%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $20 › 200d $17 — 50d above 200d
Institutional flow
Accumulating
18 of 90 funds reported for Jun 30 · net +5.0K sh shares · +2 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
1.21% of float · ▼ -7.1% MoM · 5.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
90 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $14
Now $20 · 95%
52-wk high $21
vs 200-day avg +18%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Allowance for credit losses on loans as a percentage of nonperforming loans | 116.91% | Q2 2026 | — |
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| Allowance for credit losses on loans as a percentage of total loans | 0.95% | Q2 2026 | — |
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| Common equity Tier 1 capital to risk-weighted assets (Bank only) | 17.87% | Q2 2026 | — |
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| Common equity Tier 1 capital to risk-weighted assets (Ponce Financial Group) | 11.51% | Q2 2026 | — |
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| Efficiency ratio | 57.41% | Q2 2026 | — |
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| Net (charge-offs) recoveries to average outstanding loans | -0.05% | Q2 2026 | — |
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| Net interest margin | 3.66% | Q2 2026 | — |
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| Non-interest expense to average assets | 2.14% | Q2 2026 | — |
| Non-performing loans as a percentage of total assets | 0.67% | Q2 2026 | — |
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| Number of full-time equivalent employees | 229 | Q2 2026 | — |
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| Number of offices | 17 | Q2 2026 | — |
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| Return on average assets | 1% | Q2 2026 | — |
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| Return on common equity | 9.81% | Q2 2026 | — |
| Tier 1 capital to total assets (Bank only) | 15.81% | Q2 2026 | — |
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| Tier 1 capital to total assets (Ponce Financial Group) | 16.85% | Q2 2026 | — |
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| Total capital to risk-weighted assets (Bank only) | 18.88% | Q2 2026 | — |
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| Cumulative deep impact lending | 82% | the quarter ended March 31, 2026 | — |
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| Total capital to risk-weighted assets (Ponce Financial Group) | 23.72% | three months ended December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PDLB
this stock
Ponce Financial Group, Inc.
|
$499.48M | +25.1% | — | 14.7 | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$130.35B | +46.2% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.47B | -34.7% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.20B | +2.9% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.08B | +25.2% | +7.2% | 14.6 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PDLB | +1.7% | +4.6% | +22.0% | +1.4% | +25.1% |
| SPY | +5.5% | +3.3% | +11.3% | +3.1% | +12.9% |
| vs SPY | -3.8% | +1.3% | +10.8% | -1.7% | +12.3% |
Capital returns
Buyback program
· as of May 16, 2023
Authorized
shares 1.24M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1874071
CUSIP
732344106
13F (30d)
16 filings
16 filers
Visit website
Investor relations