PDLB
Ponce Financial Group, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Buy
+35/100
Last price
20.06
▼ 0.28 (1.38%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
20.24
Prev close
20.34
Day high
20.24
Day low
20.06
Volume
7.21K
Market cap
$485.21M
P/E (TTM)
14.23
52W range
13.91 – 21.10
Day trading desk
Gap from prior close
-0.49%
Prior close 20.34
VWAP
20.11
-0.25% from price
Relative volume
0.05×
Quiet session
Session range
0.92%
20.06 – 20.24
Position in range
3%
Near session low
ATR (14D)
0.31
1.54% of price
Prior day high
20.50
PDH
Prior day low
20.26
PDL
Bid / ask spread
—
Quote not published
Session volume
3.41K
Avg 74.76K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.60%
-1.2%
1M
-1.33%
-2.7%
3M
+0.85%
-2.4%
6M
+14.56%
-0.3%
YTD
+22.69%
+8.8%
1Y
+37.59%
+22.0%
3Y
+161.20%
+79.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PDLB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
4.40M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Feb 11, 26 | KOUZILOS IOANNIS Officer |
SELL | 10.93K | $183.72K | Direct |
| Feb 11, 26 | KOUZILOS IOANNIS Officer |
CONVERSION | 10.93K | $125.52K | Direct |
| Feb 9, 26 | CAMPIZ BETTY YOLAINY Officer |
STOCK | 10.00K | $0 | Direct |
| Feb 9, 26 | DELEON MELISSA ANTONIA Officer |
STOCK | 5.00K | $0 | Direct |
| Jan 22, 26 | NAUDON CARLOS P Chief Executive Officer |
STOCK | 15.00K | $0 | Direct |
| Jan 22, 26 | KOUZILOS IOANNIS Officer |
STOCK | 5.00K | $0 | Direct |
| Jan 22, 26 | TSAVARIS STEVEN A Officer and Director |
STOCK | 15.00K | $0 | Direct |
| Jan 22, 26 | GONZALEZ LUIS GERARDO JR. Chief Operating Officer |
STOCK | 5.00K | $0 | Direct |
| Jan 22, 26 | VACCARO SERGIO JAVIER Chief Financial Officer |
STOCK | 10.00K | $0 | Direct |
| Feb 4, 25 | KOUZILOS IOANNIS Officer |
STOCK | 5.00K | $0 | Direct |
| Feb 4, 25 | GONZALEZ LUIS GERARDO JR. Chief Operating Officer |
STOCK | 5.00K | $0 | Direct |
| Feb 4, 25 | VACCARO SERGIO JAVIER Chief Financial Officer |
STOCK | 5.00K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CAMPIZ BETTY YOLAINY |
Officer | 25.46K | Stock Award(Grant) |
DELEON MELISSA ANTONIA |
Officer | 11.51K | Stock Award(Grant) |
GONZALEZ LUIS GERARDO JR. |
Chief Operating Officer | 33.17K | Stock Award(Grant) |
KOUZILOS IOANNIS |
Officer | 37.08K | Sale |
NAUDON CARLOS P |
Chief Executive Officer | 596.38K | Stock Award(Grant) |
TSAVARIS STEVEN A |
Officer and Director | 572.16K | Stock Award(Grant) |
VACCARO SERGIO JAVIER |
Chief Financial Officer | 62.66K | Stock Award(Grant) |
Fundamentals
Market cap$485.21M
Enterprise value$1.23B
Revenue (TTM)$113.76M
Gross profit$113.76M
EBITDA—
Net income$32.64M
EPS (TTM)$1.41
Free cash flow—
Total cash$140.26M
Total debt$649.97M
Book value / share$13.89
Shares outstanding24.19M
Float19.21M
Short % of float1.85%
Dividend yield0.00%
Beta (5Y)0.57
Valuation & profitability ratios
Trailing P/E14.23
Forward P/E11.33
PEG ratio—
Price / sales—
Price / book1.44
EV / revenue10.78
EV / EBITDA—
Gross margin0.00%
Operating margin39.79%
Profit margin29.68%
Return on equity6.24%
Return on assets1.02%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $108.32M | $81.14M | $73.87M | $70.97M | +33.5% |
| Operating revenue | $108.32M | $81.14M | $73.87M | $70.97M | +33.5% |
| Selling, general & admin | $34.64M | $34.35M | $34.01M | $30.08M | +0.8% |
| Pre-tax income | $38.43M | $15.69M | $5.85M | -$36.85M | +145.0% |
| Tax provision | $9.73M | $4.71M | $2.50M | -$6.84M | +106.4% |
| Net income | $28.70M | $10.97M | $3.35M | -$30.00M | +161.6% |
| Net income to common | $27.58M | $10.33M | $3.35M | -$30.00M | +166.9% |
| Basic EPS | 1.21 | 0.46 | 0.15 | -1.32 | +163.0% |
| Diluted EPS | 1.20 | 0.46 | 0.15 | -1.32 | +160.9% |
| Basic shares | 22.75M | 22.43M | 22.75M | 22.69M | +1.4% |
| Diluted shares | 23.06M | 22.55M | 22.82M | 22.69M | +2.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $126.40M | $140.09M | $139.44M | $55.85M | — | -9.8% |
| Accounts receivable | $17.91M | $17.77M | $18.01M | $15.05M | — | +0.8% |
| Property, plant & equipment | $43.22M | $45.89M | $47.33M | $50.87M | — | -5.8% |
| Total assets | $3.22B | $3.04B | $2.75B | $2.31B | — | +6.1% |
| Current debt | — | — | — | $0 | $15.09M | — |
| Long-term debt | $596.10M | $596.10M | $684.42M | $517.38M | — | 0.0% |
| Total debt | $625.45M | $626.80M | $717.11M | $551.91M | — | -0.2% |
| Total liabilities | $2.68B | $2.53B | $2.26B | $1.82B | — | +5.8% |
| Retained earnings | $135.33M | $107.75M | $97.42M | $92.95M | — | +25.6% |
| Shareholder equity | $541.55M | $505.50M | $491.39M | $492.70M | — | +7.1% |
| Net tangible assets | $541.55M | $505.50M | $491.39M | $492.70M | — | +7.1% |
| Shares issued | 24.89M | 24.89M | 24.89M | 24.86M | — | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $28.70M | $10.97M | $3.35M | -$30.00M | +161.6% |
| Depreciation & amortisation | $4.82M | $4.74M | $4.53M | $4.27M | +1.7% |
| Stock-based compensation | $4.15M | $3.55M | $3.03M | $2.94M | +17.1% |
| Change in working capital | $15.85M | -$14.03M | -$4.49M | -$2.02M | +213.0% |
| Operating cash flow | $55.59M | $7.21M | $6.49M | $9.80M | +670.9% |
| Capital expenditure | -$978.00K | -$2.72M | -$411.00K | -$492.00K | +64.0% |
| Investing cash flow | -$219.72M | -$294.90M | -$332.91M | -$777.06M | +25.5% |
| Share buybacks | $0 | $0 | -$11.01M | $0 | — |
| Dividends paid | -$1.13M | -$588.00K | $0 | $0 | -91.3% |
| Financing cash flow | $150.44M | $288.33M | $411.25M | $667.73M | -47.8% |
| Free cash flow | $54.62M | $4.49M | $6.08M | $9.31M | +1,115.3% |
| End cash position | $126.15M | $139.84M | $139.19M | $54.36M | -9.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $31.40M | $30.15M | $31.30M | $26.59M | $26.25M | +4.2% |
| Operating revenue | $31.40M | $30.15M | $31.30M | $26.59M | $26.25M | +4.2% |
| Selling, general & admin | $10.00M | $9.63M | $8.63M | $8.64M | $8.74M | +3.8% |
| Pre-tax income | $11.30M | $11.37M | $13.70M | $8.76M | $7.99M | -0.6% |
| Tax provision | $2.81M | $2.75M | $3.56M | $2.25M | $1.89M | +2.2% |
| Net income | $8.49M | $8.62M | $10.14M | $6.51M | $6.10M | -1.5% |
| Net income to common | $8.21M | $8.34M | $9.86M | $6.23M | $5.82M | -1.5% |
| Basic EPS | 0.36 | 0.36 | 0.43 | 0.27 | 0.26 | 0.0% |
| Diluted EPS | 0.35 | 0.36 | 0.42 | 0.27 | 0.25 | -2.8% |
| Basic shares | 23.05M | 22.99M | 22.84M | 22.77M | 22.72M | +0.3% |
| Diluted shares | 23.51M | 23.33M | 23.26M | 23.14M | 22.95M | +0.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $140.26M | $117.50M | $126.40M | $146.83M | $126.89M | — | +19.4% |
| Accounts receivable | $19.94M | $19.27M | $17.91M | $18.90M | $19.13M | — | +3.5% |
| Property, plant & equipment | $41.70M | $42.79M | $43.22M | $44.42M | $44.87M | — | -2.6% |
| Total assets | $3.49B | $3.30B | $3.22B | $3.16B | $3.15B | — | +5.9% |
| Current debt | — | — | — | $0 | $15.00M | $0 | — |
| Long-term debt | $621.10M | $571.10M | $596.10M | $521.10M | $521.10M | — | +8.8% |
| Total debt | $649.97M | $600.53M | $625.45M | $551.13M | $566.60M | — | +8.2% |
| Total liabilities | $2.93B | $2.75B | $2.68B | $2.63B | $2.63B | — | +6.7% |
| Retained earnings | $151.89M | $143.67M | $135.33M | $125.48M | $119.25M | — | +5.7% |
| Shareholder equity | $560.97M | $551.36M | $541.55M | $529.84M | $521.09M | — | +1.7% |
| Net tangible assets | $560.97M | $551.36M | $541.55M | $529.84M | $521.09M | — | +1.7% |
| Shares issued | 24.19M | 24.89M | 24.89M | 24.89M | 24.89M | — | -2.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $8.49M | $8.62M | $10.14M | $6.51M | $6.10M | — | -1.5% |
| Depreciation & amortisation | $1.24M | $1.23M | $1.24M | $1.15M | $1.22M | — | +0.3% |
| Stock-based compensation | $1.44M | $1.14M | $1.17M | $978.00K | $945.00K | — | +26.5% |
| Change in working capital | -$3.85M | $1.62M | $20.77M | -$7.78M | -$2.89M | — | -337.9% |
| Operating cash flow | $8.04M | $13.88M | $34.94M | $1.39M | $6.17M | — | -42.1% |
| Capital expenditure | -$3.00K | -$47.00K | — | -$606.00K | -$253.00K | -$154.00K | +93.6% |
| Investing cash flow | -$173.01M | -$84.89M | -$113.67M | $23.20M | -$61.41M | — | -103.8% |
| Dividends paid | -$282.00K | -$281.00K | -$281.00K | -$281.00K | -$282.00K | — | -0.4% |
| Financing cash flow | $187.73M | $62.10M | $58.30M | -$4.65M | $51.98M | — | +202.3% |
| Free cash flow | $8.04M | $13.83M | $34.98M | $786.00K | $5.92M | — | -41.9% |
| End cash position | $140.01M | $117.25M | $126.15M | $146.58M | $126.64M | — | +19.4% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
17.50
-12.8% from spot
ATM implied vol
39.3%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
3
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
20.00
1 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.37 | 0.35 | -5.4% |
| Mar 2026 | — | 0.36 | — |
| Dec 2025 | 0.28 | 0.42 | +50.0% |
| Sep 2025 | 0.22 | 0.27 | +22.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 9.40 | 1 | $0 | — |
| Next quarter | 0.41 | 1 | $0 | — |
| Current year | 10.53 | 1 | $0 | — |
| Next year | 1.77 | 1 | $0 | — |
Analyst targets & ownership
Mean target$24.00
High target$24.00
Low target$24.00
Implied upside19.64%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders18.19%
Held by institutions48.59%
Institutions holding126
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
20.19
-0.63% from price
SMA 20
20.29
-1.12% from price
SMA 50
20.33
-1.35% from price
SMA 100
19.87
+0.95% from price
SMA 200
18.36
+9.27% from price
EMA 12
20.22
-0.80% from price
EMA 26
20.26
-1.00% from price
EMA 50
20.18
-0.60% from price
RSI (14)
45.1
Neutral
MACD (12,26,9)
-0.04
Hist -0.01
ATR (14)
0.31
1.54% of price
Realised vol 30D
15.7%
Annualised
Bollinger upper
20.61
20, 2σ
Bollinger lower
19.96
20, 2σ
50 / 200 cross
Golden
20.33 vs 18.36
Trend bias
Above 200
+9.27%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.56
Less volatile than market
Correlation to SPY
0.32
Loosely linked
Realised vol 30D
15.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-8.4%
Peak to trough
Max drawdown 5Y
-40.7%
Peak to trough
ATR 14
0.31
1.54% of price
Beta (reported)
0.57
5Y monthly, from filing
Short interest
Shares short
386.67K
Prior 319.67K
Change vs prior
+21.0%
Shorts adding
% of float
1.85%
Normal
% of shares out
1.60%
Against total outstanding
Days to cover
5.1
Crowded exit
Float
19.21M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jan 31, 23 | Compass Point | DOWNGRADE | Buy | Sell |
| Feb 24, 22 | Janney Montgomery Scott | INITIATED | — | Buy |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay dateMay 31, 2018
Last split1395:1000
Split dateJan 28, 2022
SEC filings
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-06-12
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-24
Proxy Statements
DEF 14A · 2026-04-22
Corporate Changes & Voting Matters
8-K · 2026-03-31
Periodic Financial Reports
10-K · 2026-03-13
Headlines
Ponce Bank Welcomes José L. Orengo and Edward Delatorre Jr. to Its Board of Directors
GlobeNewswire · 72d ago
Ponce Financial (PDLB) Q2 Earnings Lag Estimates
Zacks · 72d ago
Ponce Financial: Q2 Earnings Snapshot
Associated Press · 72d ago
Ponce Financial Group, Inc. Reports Second Quarter 2026 Results
GlobeNewswire · 72d ago
Burke & Herbert Financial Services (BHRB) Lags Q2 Earnings and Revenue Estimates
Zacks · 76d ago
Ponce Financial (PDLB) Is a Great Choice for 'Trend' Investors, Here's Why
Zacks · 84d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.