Ponce Financial Group, Inc. (PDLB)
Operating cash flow minus capital spending left $54.6M of free cash flow in fiscal 2025. At September 30, 2026 it held $132.2M in cash against $696.1M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about Ponce Financial Group, Inc.
- Net worth
- Ponce Financial Group, Inc. has a market value (market cap) of $530.9M at the latest share price, and shareholders' equity of $578.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $55.6M of cash; after $978K of capital spending, free cash flow was $54.6M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Ponce Financial Group, Inc.'s next report was expected around October 23, 2026 and is not on file with the SEC yet.
What Ponce Financial Group, Inc. does
Ponce Financial Group, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker PDLB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $28.7M | $1.20 | $54.6M |
| 2024 | n/a | $11M | $0.46 | $4.5M |
| 2023 | n/a | $3.4M | $0.15 | $6.1M |
| 2022 | n/a | -$30M | -$1.32 | $9.3M |
| 2021 | n/a | $25.4M | $1.51 | $14.4M |
| 2021 | n/a | $3.9M | $0.23 | -$29.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Latest SEC filings
What Ponce Financial Group, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026
- October 26, 2026
- August 5, 2026
- July 27, 2026
- June 12, 2026
- May 7, 2026Passive stake changed SCHEDULE 13G/A
- May 7, 2026
- April 24, 2026
- April 22, 2026
- April 22, 2026Additional proxy material DEFA14A
Insider trades
What the people running Ponce Financial Group, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| February 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Exercised options | 2,929 | $30.6K |
| February 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Exercised options | 4,000 | $53.2K |
| February 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Exercised options | 2,000 | $20.7K |
| February 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Exercised options | 2,000 | $21K |
| February 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Sold | 10,929 | $183.7K |
| February 9, 2026 | DeLeon Melissa AntoniaChief Human Resources Officer | Received as pay | 5,000 | - |
| February 9, 2026 | Campiz Betty YolainyEVP and Chief Banking Officer | Received as pay | 10,000 | - |
| January 22, 2026 | Tsavaris StevenExecutive Chairman, Director | Received as pay | 15,000 | - |
Who owns PDLB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| T. Rowe Price Investment Management, Inc.13G, passive | 7.9% | February 17, 2026 |
| M3 Funds, LLC13G, passive with 4 related filers | 7.73% | February 4, 2026 |
| Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions; Pentegra Trust Company, Trustee13G, passive | 7.7% | May 7, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 87 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 1,735,395 | +113,644 |
| Dimensional Fund Advisors LP | 954,536 | +15,436 |
| Vanguard Capital Management LLC | 877,782 | +7,416 |
| Bank of America Corp | 508,102 | +3,544 |
| Geode Capital Management, LLC | 496,282 | +32,967 |
| State Street Corp | 380,812 | +41,893 |
| Alliancebernstein L.P. | 358,482 | +69,450 |
| American Century Companies Inc | 234,908 | +192,014 |
| Renaissance Technologies LLC | 231,135 | -11,000 |
| Mangrove Partners IM, LLC | 191,343 | 0 |
| First Pacific Advisors, LP | 181,562 | 0 |
| Northern Trust Corp | 162,592 | +15,211 |
| Marshall Wace, Llp | 151,268 | -23,124 |
| Vanguard Fiduciary Trust Co | 139,750 | +1,651 |
| Vanguard Portfolio Management LLC | 135,780 | +23,175 |
| Connor, Clark & Lunn Investment Management Ltd. | 130,000 | +11,244 |
| Empirical Finance, LLC | 114,179 | -133,210 |
| Algert Global LLC | 89,948 | +41,030 |
| Goldman Sachs Group Inc | 63,167 | +1,989 |
| Charles Schwab Investment Management Inc | 60,801 | +6,229 |
Insiders
8 insiders reported holding 1,206,745 shares in total, about $26.5M at the last price.
| Holder | Shares |
|---|---|
| Tsavaris StevenExecutive Chairman, Director | 531,491 |
| Naudon Carlos PPresident & CEO, Director | 473,743 |
| Kouzilos IoannisEVP & Chief Lending Officer | 85,083 |
| Vaccaro Sergio JavierChief Financial Officer | 60,000 |
| Gonzalez Luis Gerardo Jr.Chief Operating Officer | 30,252 |
| Campiz Betty YolainyEVP and Chief Banking Officer | 17,500 |
| DeLeon Melissa AntoniaChief Human Resources Officer | 5,000 |
| Marquez Madeline V.Chief External Affairs Officer | 3,676 |
Questions about PDLB
What does Ponce Financial Group, Inc. do?
Ponce Financial Group, Inc. is a company in the Finance sector, listed on NASDAQ as PDLB. Its shares trade on NASDAQ under the ticker PDLB.
What is Ponce Financial Group, Inc.'s net worth?
Ponce Financial Group, Inc. has a market value (market cap) of $530.9M at the latest share price, and shareholders' equity of $578.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Ponce Financial Group, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $45.5M.
When did Ponce Financial Group, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026.
When is Ponce Financial Group, Inc.'s next earnings report?
Ponce Financial Group, Inc.'s next report was expected around October 23, 2026 and is not on file with the SEC yet.
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Where the numbers come from
Financial figures are the values Ponce Financial Group, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.