Ponce Financial Group, Inc. (PDLB) is a Maryland corporation that serves as the parent company of Ponce Bank, a community bank with a rich history dating back to its founding in 1960. Headquartered in the Bronx, New York, Ponce Bank operates a network of banking offices across the New York ...Ponce Financial Group, Inc. (PDLB) is a Maryland corporation that serves as the parent company of Ponce Bank, a community bank with a rich history dating back to its founding in 1960. Headquartered in the Bronx, New York, Ponce Bank operates a network of banking offices across the New York metropolitan area and New Jersey, with locations in the Bronx, Manhattan, Queens, Brooklyn, and Union City, New Jersey. The bank also maintains mortgage loan offices in Queens, Brooklyn, Englewood Cliffs, and Bergenfield, New Jersey.
Ponce Bank is recognized as a Minority Depository Institution (MDI) and a Community Development Financial Institution (CDFI), reflecting its commitment to serving underserved communities and promoting economic development. The bank offers a comprehensive suite of financial products and services tailored to both individuals and businesses. On the deposit side, it gathers a variety of accounts, including checking accounts (demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. In lending, the bank provides residential mortgages for one-to-four family homes (both owner-occupied and investor-owned), multifamily properties, nonresidential real estate, construction and land development loans, commercial and industrial financing, general business loans, and consumer loans. It also offers lines of credit and has participated in the Paycheck Protection Program (PPP) to support small businesses during the pandemic.
Beyond traditional banking, Ponce Financial Group makes strategic investments in securities issued by the U.S. Government and federal agencies, government-sponsored enterprises, mortgage-backed securities, corporate bonds, and Federal Home Loan Bank stock. As of the latest data, the company has a market capitalization of approximately $485 million, with a price-to-earnings ratio of 14.1 and a price-to-book ratio of 0.83, indicating a value-oriented stock. The bank is well-capitalized, with a strong focus on community development and financial inclusion.
Under the leadership of President and CEO Carlos Naudon, Ponce Financial Group has maintained a strong management team and a clear vision for growth. The company employs around 216 full-time staff, placing it in the 201-500 employee range. With a commitment to providing excellent service and fostering local development, Ponce Financial Group continues to play a vital role in the financial landscape of the diverse communities it serves. Its long-standing presence since 1960 underscores its stability and dedication to its customers and stakeholders.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$194.3M
+16.1%
+4.9%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$28.7M
+161.6%
-1.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+54.5%
+14.2%
-1.9%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+20.3%
+116.9%
-5.2%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+14.8%
+125.2%
-6.1%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$54.6M
+1115.3%
-41.9%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+28.1%
+946.4%
-44.6%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
115.5%
-6.9%
+6.4%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.12x
-17.1%
-43.3%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
