PDLB
PDL Community Bancorp Common Stock
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
20.42
▲ 0.11 (0.54%)
MARKET · —
Price
Open
20.40
Prev close
20.31
Day high
20.55
Day low
20.09
Volume
157.94K
Market cap
$493.92M
P/E (TTM)
14.48
52W range
13.91 – 21.10
Trailing performance
Returnvs SPY
1W
-1.64%
-0.3%
1M
+2.56%
-1.2%
3M
+9.73%
+6.6%
6M
+22.28%
+11.2%
YTD
+24.89%
+12.6%
1Y
+41.51%
+21.5%
3Y
+138.83%
+64.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$493.92M
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 float1.40%
Dividend yield—
Beta (5Y)0.54
Valuation & profitability ratios
Trailing P/E14.48
Forward P/E11.54
PEG ratio—
Price / sales—
Price / book1.47
EV / revenue10.80
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 |
|---|---|---|---|---|
| Total revenue | $0 | $0 | $65.27M | $66.60M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $27.58M | $10.33M | $3.35M | -$30.00M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $27.58M | $10.33M | $3.35M | -$30.00M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
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 upside17.53%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders18.19%
Held by institutions48.66%
Institutions holding128
Price targets, consensus spread, insider and institutional ownership.
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 | 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 |
| 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 |
| 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 |
| Feb 4, 25 | KOUZILOS IOANNIS 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) |
Moving averages & technicals
SMA 10
20.49
-0.33% from price
SMA 20
20.38
+0.19% from price
SMA 50
20.04
+1.89% from price
SMA 100
18.99
+7.55% from price
SMA 200
17.64
+15.79% from price
EMA 12
20.42
-0.02% from price
EMA 26
20.29
+0.64% from price
EMA 50
19.92
+2.50% from price
RSI (14)
52.9
Neutral
MACD (12,26,9)
0.14
Hist -0.04
ATR (14)
0.46
2.27% of price
Realised vol 30D
20.0%
Annualised
Bollinger upper
20.90
20, 2σ
Bollinger lower
19.86
20, 2σ
50 / 200 cross
Golden
20.04 vs 17.64
Trend bias
Above 200
+15.79%
Risk profile
Beta vs SPY
0.57
Less volatile than market
Correlation to SPY
0.32
Loosely linked
Realised vol 30D
20.0%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-8.4%
Peak to trough
Max drawdown 5Y
-40.7%
Peak to trough
ATR 14
0.46
2.27% of price
Beta (reported)
0.54
5Y monthly, from filing
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.
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
17.50
-14.3% from spot
ATM implied vol
57.3%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
4
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
20.00
20 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.
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.
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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.