PDLB
Ponce Financial Group, Inc.Financial Services·Banks - Regional
$18.88
$457M market cap
Revenue
$103.0M
Free Cash Flow
$48.9M
Rev Growth
+0.0%
FCF Margin
47.4%
P/FCF
9.3x
EV/FCF
21.1x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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, b
2-Year Price History
$18.57+105.6%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 50.7 | 11.4 | 11.4 | 8.6 | 13.9 | 13.9 | -0.1 | 27.4 | 600.5 | 23.3 | 4.4% | 0.6x | -- |
| Act | 2025-Q4 | 52.3 | 14.8 | 14.8 | 10.1 | 34.9 | 35.0 | -0.0 | 218.6 | 625.5 | 23.3 | 5.6% | 0.7x | -- |
Valuation & Metrics
Market Stats
Price$18.88
Market Cap$457M
Enterprise Value$1.0B
P/S Ratio4.4x
P/FCF9.3x
EV/FCF21.1x
FCF Margin (TTM)47.4%
FCF Yield10.7%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$103.0M
Net Income$18.8M
Free Cash Flow$48.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin25.4%
Net Margin18.2%
FCF Margin47.4%
CapEx % of Revenue0.1%
SBC % of Revenue1.1%
ROIC5.0%
WC Change % Rev-5.0%
Interest Coverage0.6x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover8.2
Change (vs Prior)-3.1%
Need at least 2 settlement dates for chart
Employees
Headcount211
Revenue / Employee$488,171
Gross Profit / Employee$284,479
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
26.4%(+7.8% YoY)
78 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
17.2%(+4.4% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.1%(-0.0% YoY)
3 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| M3F, Inc. | $33.5M | $10.01 | +$2.5M | −$4.4M | +1.5% | $404M |
| T. Rowe Price Investment Management, Inc. | $31.8M | $9.19 | +$140K | −$4.2M | -1.3% | $145.22B |
| BlackRock, Inc.Passive | $27.1M | $11.73 | −$169K | −$686K | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $15.7M | $9.94 | +$428K | +$1.3M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $14.5M | $16.71 | +$14.5M | +$14.5M | — | $4.04T |
| BANK OF AMERICA CORP /DE/ | $8.4M | $10.40 | +$28K | +$104K | -0.1% | $1.36T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $7.7M | $9.25 | +$35K | −$133K | +2.3% | $1.61T |
| STATE STREET CORPPassive | $5.7M | $9.83 | +$58K | +$667K | -0.2% | $2.89T |
| ALLIANCEBERNSTEIN L.P. | $4.7M | $12.79 | +$1.4M | +$2.6M | -0.3% | $307.70B |
| Empirical Finance, LLC | $4.1M | $14.26 | +$671K | +$4.1M | +0.5% | $2.13B |
| RENAISSANCE TECHNOLOGIES LLC | $4.0M | $13.96 | +$366K | +$1.8M | +1.2% | $63.91B |
| MANGROVE PARTNERS | $3.2M | $10.54 | +$0 | +$468K | +1.6% | $1.23B |
| First Pacific Advisors, LP | $3.0M | $8.99 | +$0 | +$0 | +0.6% | $7.00B |
| MARSHALL WACE, LLP | $2.9M | $15.11 | +$901K | +$2.9M | +0.6% | $92.71B |
| NORTHERN TRUST CORPPassive | $2.5M | $9.15 | +$128K | −$254K | -0.2% | $755.34B |
| VANGUARD FIDUCIARY TRUST COPassive | $2.3M | $16.71 | +$2.3M | +$2.3M | — | $395.83B |
| RAYMOND JAMES FINANCIAL INC | $2.0M | $12.87 | +$52K | +$58K | -0.0% | $322.69B |
| Connor, Clark & Lunn Investment Management Ltd. | $2.0M | $13.56 | +$192K | +$1.1M | +0.6% | $43.38B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.9M | $16.71 | +$1.9M | +$1.9M | — | $1.91T |
| CITADEL ADVISORS LLC | $1.4M | $14.89 | +$507K | +$963K | -0.4% | $138.22B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
+0.20%
avg per quarter
Holders (ex-self)
+0.22%
excl. this stock
Buyers (this Q)
+0.27%
50 buyers · $0.03B in
Sellers (this Q)
+1.29%
23 sellers · $0.00B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-1.9%
how holders react when this stock falls
On quiet Qs
-5.5%
−10% to +10% baseline
On rallies (+10%+)
-11.6%
how they react when this stock rises
Holders' portfolio flow this Q
+0.7%
inflows — adds are organic
Sellers' portfolio flow this Q
-1.2%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.4%
Holder mid (any stock)
-3.6%
Holder rally (any stock)
-6.2%
Biggest decreases this quarter
LOS ANGELES CAPITAL MANAGEMENT & EQUITY RESEARCH INCexited−$815KSquarepoint Ops LLCexited−$601KOCCUDO QUANTITATIVE STRATEGIES LPexited−$197KBlackRock, Inc.−$169Kα-0.2SG Americas Securities, LLCexited−$113KCHARLES SCHWAB INVESTMENT MANAGEMENT INC−$100Kα+0.7AMALGAMATED BANKexited−$10KROYAL BANK OF CANADAexited−$9KFEDERATED HERMES, INC.exited−$2K
New buyers this quarter
Top-5 holders · 62.3%
M3F, Inc.--
T. Rowe Price Investment Management, Inc.--
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
M3F, Inc.2.0MT. Rowe Price Investment Management, Inc.1.9MPRICE T ROWE ASSOCIATES INC /MD/—BANK OF AMERICA CORP /DE/505KRhino Investment Partners, Inc—ALLIANCEBERNSTEIN L.P.289KMALTESE CAPITAL MANAGEMENT LLC—EJF Capital LLC—Empirical Finance, LLC247KRENAISSANCE TECHNOLOGIES LLC242K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$24.002710.0%
Last Year (1 analysts)$24.002710.0%
Current Price$18.88
Analyst Ratings
1
1
Buy: 1Sell: 1Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$184K
1 txn · 1 insider · 10,929 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-02-11 | SELL | Kouzilos Ioannis | officer: EVP & Chief Lending Officer | 10,929 | $16.81 | $184K | $623K |
Order Flow (FINRA, ~3w lag)
13.4%retail-2.9pp
14.7%dark-1.8pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Ponce Financial Group, Inc.: Administrative Shell Lacks Substantive Disclosure for Forensic Validation
Overall Risk
5/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10