Ponce Financial Group, Inc.
PDLBNasdaqFinancials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $28.7M | $11.0M | $3.4M | −$30.0M | $2.5M | −$1.2M |
| Total assets | $3.22B | $3.04B | $2.75B | $2.31B | $1.65B | $1.36B |
| Total liabilities | $2.68B | $2.53B | $2.26B | $1.82B | $1.46B | $1.20B |
| Equity | $541.5M | $505.5M | $491.4M | $492.7M | $189.3M | $159.5M |
| EPS (diluted) | $1.20 | $0.46 | $0.15 | $-1.32 | $0.15 | $-0.07 |
| Shares out. | 24.0M | 23.8M | 24.9M | 24.7M | 17.4M | 17.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 5.3%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 83.2%
- Debt / equity
- 4.95×
- Book value / share
- $22.60
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 161.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 305,568 | 8.2 | -5.7% |
| Apr 30, 2026 | 324,189 | 8.2 | -3.1% |
| Apr 15, 2026 | 334,533 | 6.3 | -8.4% |
| Mar 31, 2026 | 365,363 | 5.8 | +19.9% |
| Mar 13, 2026 | 304,803 | 3.9 | +22.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operations · Regulation FD disclosureApr 24, 2026
- Director / officer change · Other material eventMar 31, 2026
- Results of operations · Regulation FD disclosureJan 27, 2026
- Results of operations · Regulation FD disclosureOct 24, 2025
- Other material eventOct 14, 2025
- Results of operations · Regulation FD disclosureJul 25, 2025
- Shareholder vote · Other material eventJun 17, 2025
- Other material eventMay 13, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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