Ponce Financial Group (PDLB)
Runs Ponce Bank across deposits, real-estate lending, SBA lending, and securities.
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Takes deposits through Ponce Bank and turns them into real-estate, business, consumer, and securities assets. The franchise is concentrated in the New York City metropolitan area and shaped by CDFI, MDI, SBA-lender, and national-bank status.
Through Ponce Bank, National Association, collects deposits from the public and other funding sources, then deploys them into mortgage, business, consumer, and securities assets. The banking footprint is concentrated in New York City, nearby New Jersey, and a Florida representative office.
Real-estate lending anchors the loan book, with multifamily, nonresidential, and construction-and-land credits the main growth focus. Residential mortgages, business loans, SBA activity, consumer lending, and securities investment round out the model.
Community-development identity is part of the operating context through CDFI and MDI status. The business depends on local deposit competition, credit quality in real-estate lending, regulatory capital rules, and maintaining the statuses that support its community-banking role.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Target |
|---|---|---|---|
| May 20, 2026 | New Street | Target | $24 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $478.6M · Total debt $650.0M · Total assets $3.49B · Shareholders' equity $561.0M
- Revenue
- $53.2M
- Operating income
- $11.3M
- Net income
- $8.5M
No dividends on record.
| Institutions90 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 48.20% | 11.66M shares | |
| Insiders9 holders · as of Mar 31, 2026 | 4.91% | 1.19M shares | |
| Strategic holders3 holders · as of Feb 4, 2026 | 19.64% | 4.75M shares | |
| Otherremainder | ≈ 27.25% | 6.59M shares |
24.19M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Pentegra Trust Company, TrusteeInstitution | 8.58% | 2.08M | 13Gfiled Apr 19, 2022 ↗ |
Ponce Bank Employees Stock Ownership Plan with 401(k) ProvisionsInstitution | 8.05% | 1.95M | 13Gfiled Feb 11, 2025 ↗ |
T. Rowe Price Investment Management, Inc.Institution | 7.91% | 1.91M | 13Fas of Jun 30, 2026 |
Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions; Pentegra Trust Company, TrusteeInstitution | 7.74% | 1.87M | 13Gfiled May 7, 2026 ↗ |
M3 Funds, LLCStrategic | 7.67% | 1.86M | 13Gfiled Feb 4, 2026 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Feb 11, 2026 | Ioannis Kouzilos | officer: EVP & Chief Lending Officer | −10,929 | $16.81 |
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- Provident Financial Services
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- Hanover Bancorp
NY metro community bank with SBA, municipal, and CRE lending
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Ponce Financial Group | $20.35 | +2.16% | $492.0M | 14.5 | 1.9 | 2.4 | −33.8% |
| Dime Commercial Bancshares | $40.40 | −0.05% | $1.78B | 14.5 | 10.6 | 2.4 | +17.1% |
| ConnectOne Bancorp | $31.50 | −0.76% | $1.60B | 9.9 | 9.1 | 2.6 | +46.0% |
| Metropolitan Bank | $91.45 | −0.03% | $1.13B | 11.6 | 8.9 | 2.7 | +22.0% |
| Provident Financial Services | $23.22 | −0.76% | $3.05B | 9.7 | 9.4 | 2.2 | +9.7% |
| Hanover Bancorp | $27.40 | +0.35% | $195.0M | 21.4 | 10.1 | 1.5 | −45.1% |
| Median | 11.6 | 9.4 | 2.4 | +17.1% |