Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

Ponce Financial Group, Inc.

Ponce Bank is a Certified Development Financial Institution (CDFI) and community bank that offers various banking services to both individuals and businesses, emphasizing local investment and support for underserved communities.

Metric
Company Name	Ponce Financial Group, Inc.
Symbol	PDLB
MSH ID	COM:PONCEBANK
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	233
Website	poncebank.com
LinkedIn
Founders

Metric
Market Cap	215.73M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	133.41M
Revenue (LTM)
Revenue (NTM)
Gross Profit	128.63M
EBITDA	113.17M
Operating Income	110.85M
Net Income	3.35M
EPS	0.15
Diluted EPS	0.15
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.98
Operating Profit Margin	0.53
EBITDA Margin	0.85
Net Profit Margin	0.06
Return on Equity	0.02
Return on Assets	0.00
Return on Capital Employed	0.04

COM:PONCEBANK

Ponce Bank

Last Close

12.59

22/11 21:00

Market Cap

215.73M

Beta: -

Volume Today

30.69K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-31.21
P/B Ratio	0.41
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	2.26
EV Multiple	-21.86

Metric
Days Sales Outstanding	84.24
Days Payables Outstanding	1.31K
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.05

Metric
Operating Cash Flow	13.90M
Free Cash Flow	13.48M
Cash Flow to Debt	-0.04
Operating Cash Flow/Sales	-0.18
Free Cash Flow Yield	-0.02

Metric
Cash & Equivalents	-28.93M
Accounts Receivable
Inventory	-1.88B
Goodwill
Debt to Capitalization	0.58
Debt to Assets	0.27
Current Ratio	29.98
Quick Ratio	31.94

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.03
R&D to Revenue
SG&A to Revenue	0.42