Touchstone
Last syncNov 5, 2026, 7:25 PM ET

PDLB

Ponce Financial Group, Inc. Financials Savings Institution, Federally Chartered Russell 3000
$21.83Close $526.9MMarket cap $14.58 – $22.6852-week range

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Leading the market RS 84 · stronger than 84% of stocks over 12 months
  • Near its high 4% below its 52-week high
  • Earnings growing EPS +174% year on year, faster than the quarter before (+138 pts)

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Nov 4, 2026
Off 12-month high 4%
1wk down 3.7% price change
1mo up 7.6% price change
12-month return up 47% market up 9% · its own up 46%
F-score — — Not assessed
Altman Z — Unknown
P/E 19.1× price / earnings
PEG 0.12 P/E / EPS growth
P/B 1.0× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 31% year on year
EPS growth up 174% latest quarter · +138 pts
Sales growth up 30% latest quarter · +11 pts
ROE up 5% return on equity
Free cash margin —
D/E 1.10 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.5% $0.55 a day · 2×ATR $20.74
RS 84 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 1.4× vs 50-day average
Up/down volume 1.21 50 sessions
Implied move — no scheduled report
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Jul 27, 2026
Reported Oct 26, 2026filing pending

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $109.2M +31% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $55.2M FY2021 · $93.5M FY2022 · $73.0M FY2023 · $75.5M FY2024 · $83.7M FY2025 · $109.2M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $27.6M +167% on FY2024
-$50M $0 $50M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $3.9M FY2021 · $25.4M FY2022 · -$30.0M FY2023 · $3.4M FY2024 · $10.3M FY2025 · $27.6M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 25%
-50% 0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 7% FY2021 · Net 27% FY2022 · Net -41% FY2023 · Net 4% FY2024 · Net 12% FY2025 · Net 25%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $72.1M FY2021 · Cash $153.9M FY2022 · Cash $54.4M · Long-term debt $517.4M FY2023 · Cash $139.2M · Long-term debt $684.4M FY2024 · Cash $139.8M · Long-term debt $596.1M FY2025 · Cash $126.2M · Long-term debt $596.1M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 24.14m +40.9% since FY2020
24.86m 17.13m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 17.13m FY2021 · 17.43m FY2022 · 24.86m FY2023 · 23.79m FY2024 · 23.96m FY2025 · 24.14m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $55.2M $93.5M $73.0M $75.5M $83.7M $109.2M
Net income $3.9M $25.4M -$30.0M $3.4M $10.3M $27.6M
Net margin 7% 27% -41% 4% 12% 25%
Earnings per share $0.23 $1.51 -$1.32 $0.15 $0.46 $1.20
Cash $72.1M $153.9M $54.4M $139.2M $139.8M $126.2M
Long-term debt — — $517.4M $684.4M $596.1M $596.1M
Shareholders' equity $159.5M $189.3M $492.7M $491.4M $505.5M $541.5M
Shares outstanding 17.13m 17.43m 24.86m 23.79m 23.96m 24.14m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Nov 4, 2026 Quarterly ↗ Sep 30, 2026 35d
Aug 5, 2026 Quarterly ↗ Jun 30, 2026 36d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Mar 13, 2026 Annual ↗ Dec 31, 2025 72d
Nov 5, 2025 Quarterly ↗ Sep 30, 2025 36d
Aug 6, 2025 Quarterly ↗ Jun 30, 2025 37d
May 6, 2025 Quarterly ↗ Mar 31, 2025 36d
Mar 13, 2025 Annual ↗ Dec 31, 2024 72d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Mar 19, 2024 Annual ↗ Dec 31, 2023 79d

Current reports

FiledDisclosed
Oct 26, 2026 Acquisition or disposal · Regulation FD ↗
Jul 27, 2026 Results · Regulation FD ↗
Jun 12, 2026 Shareholder vote · Other events ↗
Apr 24, 2026 Results · Regulation FD ↗
Mar 31, 2026 Director or officer change · Other events ↗
Jan 27, 2026 Results · Regulation FD ↗
Oct 24, 2025 Results · Regulation FD ↗
Oct 14, 2025 Other events ↗
Jul 25, 2025 Results · Regulation FD ↗
Jun 17, 2025 Shareholder vote · Other events ↗
May 13, 2025 Other events ↗
Apr 25, 2025 Results · Regulation FD ↗