Ponce Financial Group, Inc.
PDLB · Savings Institution, Federally Chartered · 24.2M shares · +7%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $9M (gross $11M, SBC $2M)
Reference price $16.81 · est. market cap ~$407M — last insider sale, 2026-02-11 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C64Ponce Financial Group — Hispanic-community (CDFI) thrift with high ROA, low ROE.
Strengths
- ROA 72nd pct; net income up sharply (83rd); strong FCF (88th)
- Mission-driven (CDFI/ECIP-capitalized) franchise
Risks
- ROE 5.3% (60th) — capital-heavy; high leverage (93rd)
- CRE/construction and rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
Key metrics
Return on equity
5.3%
Return on assets
0.9%
Net-income growth
161.6%
Debt / equity
1.1×
Free cash flow
$55M
Tangible book value
$542M
Cash & investments
$126M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-02-11 | Kouzilos Ioannis | Option exercise | 2.9K | $10.44 |
| 2026-02-11 | Kouzilos Ioannis | Option exercise | 4.0K | $13.31 |
| 2026-02-11 | Kouzilos Ioannis | Option exercise | 2.0K | $10.33 |
| 2026-02-11 | Kouzilos Ioannis | Option exercise | 2.0K | $10.52 |
| 2026-02-11 | Kouzilos Ioannis | Sell | 11K | $16.81 |
| 2026-02-09 | Campiz Betty Yolainy | Grant | 10K | — |
| 2026-02-09 | DeLeon Melissa Antonia | Grant | 5.0K | — |
| 2026-01-22 | Kouzilos Ioannis | Grant | 5.0K | — |
| 2026-01-22 | Vaccaro Sergio Javier | Grant | 10K | — |
| 2026-01-22 | Gonzalez Luis Gerardo Jr. | Grant | 5.0K | — |
| 2026-01-22 | NAUDON CARLOS P | Grant | 15K | — |
| 2026-01-22 | Tsavaris Steven | Grant | 15K | — |
| 2025-12-07 | Marquez Madeline V. | Tax withheld | 121 | $15.72 |
| 2025-02-04 | Vaccaro Sergio Javier | Grant | 5.0K | — |
| 2025-02-04 | Kouzilos Ioannis | Grant | 5.0K | — |
| 2025-02-04 | Gonzalez Luis Gerardo Jr. | Grant | 5.0K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-12 | Shareholder voteOtherExhibits | filing ↗ |
| 2026-04-24 | ResultsReg FDExhibits | filing ↗ |
| 2026-03-31 | Exec/director changeOtherExhibits | filing ↗ |
| 2026-01-27 | ResultsReg FDExhibits | filing ↗ |
| 2025-10-24 | ResultsReg FDExhibits | filing ↗ |
| 2025-10-14 | OtherExhibits | filing ↗ |
| 2025-07-25 | ResultsReg FDExhibits | filing ↗ |
| 2025-06-17 | Shareholder voteOtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-12 | 2026-06-11 | 0001193125-26-268852 ↗ |
| 10-Q | 2026-05-07 | 2026-03-31 | 0001193125-26-209832 ↗ |
| 8-K | 2026-04-24 | 2026-04-24 | 0001193125-26-174984 ↗ |
| 8-K | 2026-03-31 | 2026-03-26 | 0001193125-26-132287 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001193125-26-104610 ↗ |
| 8-K | 2026-01-27 | 2026-01-27 | 0001193125-26-024843 ↗ |
| 10-Q | 2025-11-05 | 2025-09-30 | 0001193125-25-267220 ↗ |
| 8-K | 2025-10-24 | 2025-10-24 | 0001193125-25-249382 ↗ |
| 8-K | 2025-10-14 | 2025-10-14 | 0001193125-25-238662 ↗ |
| 10-Q | 2025-08-06 | 2025-06-30 | 0000950170-25-103249 ↗ |
| 8-K | 2025-07-25 | 2025-07-25 | 0000950170-25-098580 ↗ |
| 8-K | 2025-06-17 | 2025-06-12 | 0000950170-25-087092 ↗ |