Ponce Financial Group stock | 2026 trend & analyst price target

Ponce Financial Grou...

NasdaqGM:PDLB

$ 16,60

$-0,05 (-0,30%)

16,60 $

$-0,05 (-0,30%)

End-of-day quote: 03/26/2026

Ponce Financial Group Stock Value

Analysts currently give NasdaqGM:PDLB a rating of sf_Data Unavailable.

Ponce Financial Group Company Info

EPS Growth 5Y

49,63%

Market Cap

$0,40 B

Long-Term Debt

$0,60 B

Short Interest

2,53%

Annual earnings

N/A

Dividend

$0,00

Dividend Yield

0,00%

Founded

1960

Industry

Financials

Country

United States

ISIN Number

US7323441060

Website

http://www.poncebank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

There are currently no price targets available for this stock.

In the last five quarters, Ponce Financial Group’s Price Target has risen from $10,00 to $10,00 - a 0,00% increase. One analysts predict that Ponce Financial Group’s share price will fall in the coming year, reaching $0,00. This would represent a decrease of -100,00%.

Top growth stocks in the financials sector (5Y.)

What does Ponce Financial Group do?

Ponce Financial Group, Inc. operates as the holding company of Ponce Bank (the bank) that provides various banking products and services. The company's business is conducted through the administrative office and full-service banking offices and mortgage loan offices. The banking offices are located in New York City - the Bronx, Queens, Brooklyn, Manhattan and Union City, New Jersey. The mortgage loan offices are located in Queens and Brooklyn, New York and Bergenfield, New Jersey. The company's...

Ponce Financial Group, Inc. operates as the holding company of Ponce Bank (the bank) that provides various banking products and services.

The company's business is conducted through the administrative office and full-service banking offices and mortgage loan offices. The banking offices are located in New York City - the Bronx, Queens, Brooklyn, Manhattan and Union City, New Jersey. The mortgage loan offices are located in Queens and Brooklyn, New York and Bergenfield, New Jersey. The company's primary market area consists of the New York City metropolitan area.

The bank's business primarily consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in mortgage loans, consisting of one-to-four family residential (both investor-owned and owner-occupied), multifamily residential, nonresidential properties and construction and land, and to a lesser extent, in business and consumer loans. The bank also invests in securities, which have historically included the U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, corporate securities, mortgage-backed securities and Federal Home Loan Bank of New York (the FHLBNY) stock. The bank offers a variety of deposit accounts, including demand, savings, money markets and certificates of deposit accounts.

Business Strategy

The key elements of the company's strategy are to qualify for repurchase of the preferred stock issued pursuant to the Emergency Capital Investment Program (ECIP); adapt and increase the utilization of technology; build bank profitability year over year; and build ponce bank 2.0.

Market Area

The bank is headquartered in the Bronx, New York, with a primary market in the other boroughs of New York City (excluding Staten Island), Hudson and Bergen counties, New Jersey. The bank recently opened a representative office in Coral Gables, Florida.

Lending Activities

The bank’s principal lending activity is originating real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential loans, multifamily residential loans, nonresidential property loans, construction and land loans, and commercial and industrial (C&I) business loans and consumer loans. It originates real estate and other loans through its loan officers, marketing efforts, customer base, walk-in customers and referrals from real estate brokers, builders and attorneys.

Lending activities are conducted primarily by the bank’s loan officers operating at its main and branch office locations, as well as remotely.

One-to-four Family Investor-Owned Loans: Investor-owned mortgage loans secured by non-owner-occupied one-to-four family residential property represents the bank's fourth largest lending concentration. The majority of the portfolio are two-to-four family properties (449 accounts), while the remaining are primarily single family, non-owner-occupied investment properties (78 accounts). In this category, loans are secured by properties located in Queens County, Kings County, Nassau County, Essex County, New York County, Bronx County, Hudson County, Bergen County, and Suffolk County. The rest of this category is spread out in other counties.

One-to-four Family Owner-occupied Loans: This category is secured by properties located in Queens County, Kings County, Bronx County, New York County, Nassau County, Essex County, Richmond County, Bergen County, Suffolk County. Bergen County, Monmouth County and Hudson County The rest of this category is spread out in other counties.

Multifamily Loans: Loans secured by multifamily properties represent the bank's largest real estate lending category. In terms of geographical concentrations, loans are secured by properties located in Kings County, Queens County, Bronx County, Westchester County, New York County, Hudson County and Bergen County.

Nonresidential Loans: Loans secured by nonresidential properties that represent the bank's third largest concentration. In terms of geographical concentrations properties located in Queens County, Kings County, Bronx County, Nassau County, New York County, Westchester County, Hudson County, Suffolk County, Cobb County, Bergen County, Rockland County, Columbia County, Ulster County and Passaic County.

In the nonresidential portfolio, the overall mix is diverse in terms of property types, with the largest concentration being retail and wholesale, industrial and warehouse, offices, hotels and motels, service, doctor, dentist, daycare and schools, land, churches, medical, nursing home and hospital, restaurants, and the rest of the portfolio accounts for other property types.

Construction and Land Loans: Loans secured by construction properties represent the bank's largest concentration. In terms of geographical concentrations, are secured by properties located in Queens County, Kings County, New York County, Bronx County, Nassau County and Hudson County.

C&I Loans and Lines of Credit: Unlike real estate loans, which are secured by real property, and whose collateral value tends to be more easily ascertainable, commercial and industrial loans are of higher risk and typically are made on the basis of the borrower's ability to make repayment from the cash flow of the borrower's business.

Consumer Loans: Consumer loans generally have higher interest rates than mortgage loans. Consumer loans include passbook loans and other secured and unsecured loans that have been made for a variety of consumer purposes.

Investment Activities

As of December 31, 2024, the company's investment portfolio included U.S. government bonds; corporate bonds; and mortgage-backed securities, such as collateralized mortgage obligations, Federal Home Loan Mortgage Corporation (FHLMC) Certificates, Federal National Mortgage Association (FNMA) Certificates, and Ginnie Mae (GNMA) Certificates.

Competition

The company faces an increasing level of competition from non-core financial service providers that do not necessarily maintain a physical presence in the bank’s market area, such as LendingClub, Quicken Loans, Freedom Mortgage and many internet financial service providers.

Regulation and Supervision

As a federally-chartered, stock savings association, the bank is subject to examination, supervision and regulation, primarily by the Office of Comptroller of the Currency (OCC), and secondarily, by the Federal Deposit Insurance Corporation (FDIC) as the insurer of deposits. The federal system of regulation and supervision establishes a comprehensive framework of activities in which the bank is engaging and is intended primarily for the protection of depositors and the FDIC's Deposit Insurance Fund.

The bank is regulated to a lesser extent by the Federal Reserve Board which governs the reserves to be maintained against deposits and other matters. In addition, the bank is a member of and owns stock in the Federal Home Loan Bank of New York Stock (FHLBNY), which is one of the 11 regional banks in the Federal Home Loan Bank System.

As a savings and loan holding company, the company is subject to examination and supervision by, and is required to file certain reports with, the Federal Reserve Board. The company is subject to the rules and regulations of the Securities and Exchange Commission (SEC) under the federal securities laws.

The bank is primarily supervised by the OCC.

The Consumer Financial Protection Bureau (CFPB) has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, such as Ponce Bank, including the authority to prohibit 'unfair, deceptive or abusive' acts and practices.

The bank's authority to extend credit to its directors, executive officers and 10.0% stockholders, as well as to entities controlled by such persons, is governed by the requirements of Sections 22(g) and 22(h) of the Federal Reserve Act and Regulation O of the Federal Reserve Board.

The Deposit Insurance Fund of the FDIC insures deposits at FDIC insured financial institutions, such as the bank.

The bank's operations are also subject to federal laws applicable to credit transactions, such as the Truth-In-Lending Act; Home Mortgage Disclosure Act; Equal Credit Opportunity Act; Fair Credit Reporting Act; Fair Debt Collection Act; Truth in Savings Act; and rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws.

The operations of the bank are subject to the Right to Financial Privacy Act; Electronic Funds Transfer Act and Regulation E promulgated thereunder; Check Clearing for the 21st Century Act (also known as 'Check 21'); the USA PATRIOT Act; the Gramm-Leach-Bliley Act; the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the Dodd-Frank Act) and Dodd-Frank Act created a new regulator, the Consumer Financial Protection Bureau (CFPB).

The company is a unitary savings and loan holding company within the meaning of the Home Owners' Loan Act. As such, the company is registered with the Federal Reserve Board and are subject to the regulation, examination, supervision and reporting requirements applicable to savings and loan holding companies.

Under present law, the business activities of the company is generally limited to those activities permissible for financial holding companies under Section 4(k) of the Bank Holding Company Act of 1956, as amended.

History

Ponce Financial Group, Inc. was founded in 1960. The company was incorporated in 2021.

Ponce Financial Group Questions and Answers

Which sectors generate sales and which are the top 3 markets?

I'm sorry, but I do not have specific data for Ponce Financial Group, Inc. for the year 2026. However, I can provide a general assessment based on the typical business areas and markets of a financial services company. **Industries:** 1. **Banking and Financial Services** 2. **Real Estate Fina...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as Ponce Financial Group, Inc. primarily operates in the financial services sector. Ponce Financial Group, Inc. is a financial services company that mainly offers banking services. As such, it does not produce physical products, but provides finan...

What strategy does Ponce Financial Group pursue for future growth?

**Current Strategy:** Diversification and Digitalization (2026) Ponce Financial Group, Inc. is pursuing a growth strategy that focuses on diversifying its services and digitizing its processes. The company plans to expand its product portfolio to tap into new customer segments and better serve exi...

Which raw materials are imported and from which countries?

I'm sorry, but I do not have specific information about the commodities or materials that Ponce Financial Group, Inc. imports, as it is a financial services company. Financial institutions like Ponce Financial Group, Inc. are generally not directly involved in the import of commodities or mater...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 8.5% (2025) **Market Share in the Regional Banking Sector:** 2.3% (2025) **Customer Satisfaction:** 87% (2025) Ponce Financial Group, Inc. has a moderate competitive advantage in the regional banking sector. The 8.5% return on equity indicates that the company operat...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 62% (2026, estimated) **Insider Buys/Sells:** No significant transactions in the last quarter (2026) The institutional investor share in Ponce Financial Group, Inc. is approximately 62%, indicating that a significant portion of the shares is held by large financia...

What percentage market share does Ponce Financial Group have?

**Market share of Ponce Financial Group, Inc.:** Estimate 2% (2026) **Top competitors and their market shares:** 1. JPMorgan Chase & Co. - 15% 2. Bank of America Corporation - 13% 3. Wells Fargo & Company - 10% 4. Citigroup Inc. - 8% 5. U.S. Bancorp - 6% 6. Truist Financial Corporation - 5%...

Is Ponce Financial Group stock currently a good investment?

**Revenue Growth:** 8% (2025) **Profit Growth:** 6% (2025) **Return on Equity (ROE):** 9% (2025) Ponce Financial Group, Inc. achieved a revenue growth of 8% in 2025, indicating a solid business strategy and effective market positioning. The 6% profit growth shows that the company is able to control...

Does Ponce Financial Group pay a dividend – and how reliable is the payout?

**Dividend payment:** No current data available (as of 2026) **Reliability of payout:** No dividend history available Ponce Financial Group, Inc. has not paid any dividends in recent years. This may indicate that the company is reinvesting its profits to promote growth, or that it is in a phase of...

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Ponce Financial Group Stock Value

Ponce Financial Group Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Ponce Financial Group do?

Ponce Financial Group Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Ponce Financial Group Stock Value

Ponce Financial Group Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Ponce Financial Group do?

Ponce Financial Group Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.