Ponce Financial Group Inc (PDLB)

In the past six months, Ponce Financial Group, Inc. announced its Q3 financial results on October 24, 2025. On October 14, 2025, Ponce Bank completed its conversion to a national bank, commencing operations as Ponce Bank, National Association, effective October 10, 2025, and the company began operating as a bank holding company. The company has shown strong growth in deposits, loans, and profitability, outperforming the S&P 500 since early April 2025. For the first quarter of fiscal year 2025, deposits reached $2 billion, up from $1.88 billion, and loans increased from $2.29 billion to $2.37 billion. Ponce Financial Group reported revenue of $24.86 million in the quarter ending June 30, 2025, representing an 18.22% growth. Earnings per share (EPS) have also shown an upward trend.

While seasonal patterns can be identified for PDLB's stock returns, specific details about the demand seasonality for Ponce Financial Group, Inc.'s products and services were not explicitly provided. Further analysis of historical mean and median monthly returns would be required to understand demand seasonality.

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank, which converted to a national bank on October 10, 2025. Headquartered in Bronx, New York, the company was founded in 1960 and is categorized within the Financials sector. It provides a range of banking products and services, including deposit accounts, real estate-secured loans, and investments in securities. Ponce Bank is recognized as a Minority Depository Institution, a Community Development Financial Institution, and a certified Small Business Administration lender.

Ponce Financial Group, Inc. primarily operates in the New York metropolitan area and New Jersey. It has 4 banking offices in the Bronx, 2 in Manhattan, 3 in Queens, and 3 in Brooklyn, New York. In New Jersey, the company maintains 1 banking office in Union City. Additionally, it has mortgage loan offices in Queens and Brooklyn, New York, and in Englewood Cliffs and Bergenfield, New Jersey.

Ponce Financial Group, through Ponce Bank, maintains a reputation as a community-focused institution, particularly as a Minority Depository Institution (MDI) and a Community Development Financial Institution (CDFI). The bank actively engages in community development, as evidenced by its Small Business Bootcamp, which has supported over 500 small business owners and aspiring entrepreneurs. In September 2022, Ponce Bank made a $40,000 donation for Hurricane Fiona relief efforts in Puerto Rico and the Dominican Republic. The company's conversion to a national bank in October 2025 was partly driven by a desire to increase its banking powers, including eligibility for municipal deposits in New York.

Over the past 12 months, insiders have bought 15,000 shares and sold 373 shares, resulting in a net activity of 14,627 shares bought. Specific insider transactions include acquisitions by officers Luis Gerardo Gonzalez Jr., Ioannis Kouzilos, and Sergio Javier Vaccaro on February 4, 2025, and dispositions by officer Madeline V. Marquez in December 2024.