Ponce Financial Group Inc (PDLB)

Over the past six months, Ponce Financial Group, Inc. experienced a share price increase of 39.22%. Ponce Bank transitioned to a national bank on October 10, 2025, with Ponce Financial Group becoming a bank holding company and a financial holding company. The company reported increased net income in Q3 2025, with net interest income up 32.7% year-over-year. Ponce Financial reported second-quarter 2025 earnings that surpassed estimates. In December 2025, the stock was upgraded to "Strong Buy." The Ponce De Leon Foundation awarded grants totaling $635,000 to non-profits, and Marlene Cintron was appointed to Ponce Bank's Board of Directors.

Ponce Financial Group, Inc. has not explicitly stated demand seasonality, but the banking industry, particularly mortgage lending, can experience seasonal fluctuations. Mortgage loan applications typically increase during the spring and summer months and decrease in the winter. This general industry seasonality could influence the demand for a portion of its lending services, while other products may not exhibit strong seasonal patterns.

Ponce Financial Group, Inc. operates in the Finance sector, focusing on Savings Institutions and Banking. The company takes deposits from the public and invests these funds into loans and securities. It offers deposit accounts, including demand, NOW/IOLA, money market, individual retirement, and savings accounts, as well as certificates of deposit. Lending services include real estate-secured loans, commercial and industrial loans, business and consumer loans, lines of credit, and SBA loans. Additional services include cash management, electronic banking, and wealth management. The company also invests in various securities.

Ponce Financial Group, Inc. is headquartered in New York City and operates through its subsidiary, Ponce Bank, with branches in key New York boroughs and Union City, New Jersey. Founded by migrants from Puerto Rico in 1960, the bank serves immigrant communities and low-to-middle-income stakeholders in and around the New York City metropolitan area.

Ponce Financial Group, Inc. maintains a positive brand reputation through its community-centric approach. The bank is recognized as a Minority Depository Institution (MDI) and a Community Development Financial Institution (CDFI), reinvesting over 80% of its deposits back into the communities it serves. Ponce Bank was rated the #1 Latinx Bank in the country for community investment. The Ponce De Leon Foundation actively awards grants to non-profits, and the company's IBD SmartSelect Composite Rating jumped to 96 in November 2025.

Ponce Financial Group, Inc. has significant institutional ownership, with 190 institutional owners and shareholders holding 13,983,065 shares, ranging from approximately 47% to 64% of the stock. Major institutional owners include M3F, Inc., T. Rowe Price Investment Management, Inc., BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors Lp, Bank Of America Corp /de/, and Geode Capital Management, Llc.