Ponce Financial Group, Inc. (PDLB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$22.18+1.37%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · PDLB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -10.4% |
| Our one-year growth estimate | diamond | -19.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has erratic recent earnings surprises and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
PDLB — earnings miss
Dated 2026-10-26
Results of Operations and Financial Condition. On October 26, 2026, Ponce Financial Group, Inc. (the "Company"), the holding company for Ponce Bank, National Association ("Ponce Bank" or the "Bank"), issued a press release announcing its financial results with respect to its third quarter ended September 30, 2026. The Company’s press release is included as Exhibit 99.1 to this report. The information set forth in this
Why it matters: Non-performing assets fell to 0.50% of total assets in Q3. A rise above the prior quarter’s 0.67% would reverse that progress.
Worry ifNon-performing assets top 0.67% of total assets in a later quarter.
Less concerning ifNon-performing assets stay at or below 0.50% of total assets in the next report.
Why it matters: Loans and deposits grew sharply through September. Continued growth would support the company’s plan to expand lending and banking.
Supportive ifAt the next report, net loans exceed $3.08 billion and deposits exceed $2.37 billion.
Worry ifAt the next report, net loans or deposits fall below their September 30, 2026 levels.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $194 loss on $10,000 · 1.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $842 loss on $10,000 · 8.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.