PDLB
Ponce Financial Group, Inc.
PDLB's fundamentals are strong and it looks cheap: trading at 12x earnings, about half its usual 22x. Analysts expect strong earnings growth.
PDLB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PDLB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PDLB.
PDLB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $22.20 | — |
| Current | 12x | $22.20 | — |
| Cheap | 15x | $27.86 | +26% |
| Fair | 22x | $42.18 | +90% |
| Expensive | 38x | $72.93 | +229% |
Historical ranges are pointers, not guarantees.
PDLB's PE is in its cheap range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
PDLB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for PDLB, with profitability holding steady.
PDLB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.99 | +4.7% |
| Q3 2026 | $1.90 | +116% |
| Q2 2026 | $1.41 | +99% |
| Q1 2026 | $1.31 | +118% |
| Q4 2025 | $1.20 | +161% |
| Q3 2025 | $0.88 | +138% |
| Q2 2025 | $0.71 | +82% |
| Q1 2025 | $0.60 | +140% |
| Q4 2024 | $0.46 | +207% |
PDLB's earnings per share have climbed steadily: $1.90 over the past year, up 116% from the year before, and higher year over year every quarter since late 2023.
PDLB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $34.8M | +30% |
| Q2 2026 | $31.6M | +19% |
| Q1 2026 | $30.3M | +23% |
| Q4 2025 | $31.4M | +38% |
| Q3 2025 | $26.7M | +33% |
| Q2 2025 | $26.5M | +31% |
| Q1 2025 | $24.6M | +20% |
| Q4 2024 | $22.8M | +24% |
PDLB's revenue has grown year over year for eight quarters in a row: $35M last quarter, up 30% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +2.8 points |
| Q2 2026 | 36% | +5.6 points |
| Q1 2026 | 38% | +5.1 points |
| Q4 2025 | 44% | +24 points |
| Q3 2025 | 33% | +18 points |
| Q2 2025 | 30% | +8.4 points |
| Q1 2025 | 32% | +14 points |
| Q4 2024 | 20% | +14 points |
PDLB's operating margin was 36% last quarter, up 2.8 points from the same quarter a year ago.
PDLB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.4M | +1603% |
| Q2 2026 | $8M | +36% |
| Q1 2026 | $13.8M | +7% |
| Q4 2025 | $35M | +56% |
| Q3 2025 | $786K | +$15.7M |
| Q2 2025 | $5.9M | +$8.5M |
| Q1 2025 | $12.9M | +$13.2M |
| Q4 2024 | $22.4M | -30% |
PDLB's free cash flow was $70M over the past year, up 67% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PDLB.
PDLB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +142K shares |
| 1 year | +2.2% | +515K shares |
| 3 years | +5.8% | +1.3M shares |
PDLB has 24M diluted shares, up 2.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | $5.8M |
PDLB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 10.5x | High |
| Q2 2026 | 9.6x | High |
| Q1 2026 | 9.7x | High |
| Q4 2025 | 10.9x | High |
| Q3 2025 | 11.0x | High |
| Q2 2025 | 14.4x | High |
| Q1 2025 | 15.5x | High |
| Q4 2024 | 22.3x | High |
PDLB's net debt is about 11 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PDLB.
PDLB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.4 | Overbought |
| Stochastic | 76.7 | Neutral |
PDLB's weekly RSI is 70 (overbought) and its Stochastic is 77 (neutral).
PDLB PE vs Financial Services Sector
| Metric | PDLB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 10% below |
| PE % | 1 | 63 | 62 pts below |
PDLB is trading at 12x earnings, a 10% discount to the Financial Services sector's median of 13x.
PDLB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.0 | 5.8% above |
| 20 week MA | $20.6 | 7.8% above |
| 50 week MA | $18.6 | 19% above |
| 100 week MA | $16.1 | 38% above |
| 200 week MA | $12.7 | 75% above |
PDLB is in an uptrend: it's above all five of its weekly moving averages, and 75% above its 200-week average.
PDLB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.8 | $10.4 | -30% |
| 2021 | $10.4 | $14.7 | +42% |
| 2022 | $14.7 | $9.51 | -35% |
| 2023 | $9.51 | $9.76 | +2.6% |
| 2024 | $9.76 | $12.8 | +31% |
| 2025 | $12.8 | $16.8 | +32% |
| 2026 YTD | $16.8 | $22.2 | +32% |
PDLB has finished higher in four of the last six years. It's up 32% so far in 2026.