Stocks · Financial Services · Banks - Regional
Ponce Financial Group, Inc. PDLB
$20.35 +1.34% Close, Oct 2, 2026 · NASDAQ · Market cap $492.2M
Strong growthStrong trend
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.40, up 95.7% year over year.
- Operating margin widened to 22.6% from 13.1% a year earlier.
- Net debt is 10.0× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 31%
- EPS growth (TTM, YoY)Top 13%
- FCF growth (TTM, YoY)Top 14%
- Revenue growth, 3-year CAGRTop 16%
- Revenue growth accelerationBottom 38%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 40%
- Gross marginBottom 31%
- Operating marginTop 48%
- Cash conversion (OCF / net income)Top 24%
- Accruals (lower is better)Top 37%
- Net debt / EBITDA (lower is better)Bottom 13%
- Interest coverBottom 29%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 48%
- Free-cash-flow yieldTop 27%
- EBITDA / enterprise valueBottom 41%
- Sales / enterprise valueBottom 26%
- P/E vs own 5-year history (lower is better)Top 35%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 12%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 12%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetTop 42%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 36%
- Maximum drawdown, 3 yearsTop 29%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 13%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 15.3% | 13.7% | ↓ |
| EPS growth (YoY) | 114.8% | 95.7% | ↓ |
| Gross margin | 49.3% | 56.2% | ↑ |
| Operating margin | 13.1% | 22.6% | ↑ |
| FCF margin | 14.6% | 28.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.7% | 15.3% | ↓ | Top 31% |
| EPS growth (TTM, YoY) | 95.7% | 114.8% | ↓ | Top 13% |
| Gross margin | 56.2% | 49.3% | ↑ | Bottom 31% |
| Operating margin | 22.6% | 13.1% | ↑ | Top 48% |
| Net margin | 16.5% | 9.7% | ↑ | — |
| Free-cash-flow margin | 28.7% | 14.6% | ↑ | — |
| Return on invested capital | 2.8% | — | Top 40% | |
| Revenue growth, 3-year CAGR | 30.7% | — | Top 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.73×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -9.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 10.00×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.07%
- Shareholder yield
- -0.07%
- Share count change, 1 year
- +2.4%
- Share count change, 3-year CAGR
- +0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +25.2%
- Average 2-day reaction, last 8
- +1.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $24.00
- Target vs current price
- +17.9%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | -5.4% | -0.8% | -0.1% | +1.1% | — |
| Apr 24, 2026 | +33.3% | +1.0% | -0.4% | +6.2% | +15.1% |
| Jan 27, 2026 | +50.0% | +1.2% | +3.1% | -0.6% | +6.1% |
| Oct 24, 2025 | +22.7% | +1.6% | -1.9% | +3.1% | +16.0% |
| Jul 25, 2025 | +47.1% | +4.7% | +2.4% | +4.7% | +3.6% |
| Apr 25, 2025 | +177.8% | +6.9% | +10.5% | +13.3% | +19.7% |
| Mar 13, 2025 | — | -0.9% | +2.4% | -7.8% | +5.6% |
| Jan 28, 2025 | +33.3% | -0.3% | +0.2% | -2.2% | -13.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.35 | $0.37 | -5.4% | $31.6M |
| Apr 24, 2026 | $0.36 | $0.27 | +33.3% | $30.3M |
| Jan 27, 2026 | $0.42 | $0.28 | +50.0% | $31.4M |
| Oct 24, 2025 | $0.27 | $0.22 | +22.7% | $48.3M |
| Jul 25, 2025 | $0.25 | $0.17 | +47.1% | $47.7M |
| Apr 25, 2025 | $0.25 | $0.09 | +177.8% | $46.0M |
| Mar 13, 2025 | $0.13 | — | — | $44.4M |
| Jan 28, 2025 | $0.12 | $0.09 | +33.3% | $22.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.5× | 15.9× | 38th | Top 48% |
| P/E (forward) | 12.3× | — | — | — |
| EV / EBITDA | 19.6× | — | — | Bottom 41% |
| EV / Sales | 4.90× | — | — | Bottom 26% |
| Free-cash-flow yield | 11.92% | — | — | Top 27% |
| Earnings yield | 6.88% | — | — | Top 48% |
P/E over the past five years
Range 6.9× – 57.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +39.3%
- Earnings per share growth (TTM)
- +95.7%
- Change in P/E multiple
- -26.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 362
- 50-day average slope (20 days)
- +0.6%
- 200-day average slope (20 days)
- +2.5%
- Distance from 50-day average
- +0.1%
- Distance from 200-day average
- +11.1%
- RSI (14)
- 51.8
- Relative volume
- 1.14×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.1%
- Volatility vs own 5-year history
- 17th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -2.0%
- Maximum drawdown, 3 years
- -21.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 29, 2021 | May 12, 2023 | -40.7% | 385 days | 319 days (Aug 20, 2024) |
| Oct 8, 2021 | Oct 21, 2021 | -29.5% | 9 days | 2 days (Oct 25, 2021) |
| Sep 29, 2021 | Sep 30, 2021 | -28.3% | 1 days | 1 days (Oct 1, 2021) |
| Dec 16, 2020 | Jan 29, 2021 | -22.0% | 29 days | 26 days (Mar 9, 2021) |
| Feb 5, 2025 | Apr 21, 2025 | -21.1% | 51 days | 16 days (May 13, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $492.2M
- P/E (TTM)
- 14.5
- EPS, diluted (TTM)
- $1.40
- Revenue (TTM)
- $204.5M
- 52-week range
- $13.91 – $21.10
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $77.6M | $87.1M | $134.5M | $167.3M | $194.3M |
| Gross profit | $66.6M | $46.9M | $72.9M | $79.8M | $105.9M |
| Operating income | $33.6M | -$36.8M | $5.9M | $15.7M | $39.5M |
| Net income | $25.4M | -$30.0M | $3.4M | $11.0M | $28.7M |
| EPS (diluted) | $1.51 | -$1.32 | $0.15 | $0.46 | $1.19 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.9M | $44.4M | $46.0M | $47.7M | $48.3M | $52.3M | $50.7M | $53.2M |
| Net income | $2.4M | $2.9M | $6.0M | $6.1M | $6.5M | $10.1M | $8.6M | $8.5M |
| EPS (diluted) | $0.10 | $0.12 | $0.25 | $0.25 | $0.27 | $0.42 | $0.36 | $0.35 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Capital expenditure | -$4.2M | -$492,000 | -$411,000 | -$2.7M | -$978,000 |
| Free cash flow | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $3.1M | $2,000 | -$11.0M | $0 | $142,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $478.6M
- Total assets
- $3.49B
- Total liabilities
- $2.93B
- Total debt
- $650.0M
- Net debt
- $510.0M
- Shareholders’ equity
- $561.0M
As of Jun 30, 2026 (filed Aug 5, 2026).
Short interest
- Shares sold short
- 386,672
- Days to cover
- 5.05
- Change vs previous report
- +2.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 28, 2022
- 279-for-200