Ponce Financial Group, Inc.
PDLB scores 48.5 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -15.6 points significantly impact the ranking. Without these adjustments, PDLB would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| PDLB | 48.5 | 13.3 | 16.1% | 14.8% | $405M |
| CME | 84.9 | 27.2 | 9.9% | 57.5% | $112.1B |
| CINF | 82.4 | 10.7 | 11.4% | 18.9% | $25.8B |
| ACT | 81.9 | 8.9 | 2.4% | 54.6% | $6.1B |
| SEIC | 81.0 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.5 | 10.1 | 3.1% | 28.5% | $21.1B |
| FHB | 78.1 | 11.8 | 3.2% | 24.2% | $3.2B |
| MCHB | 77.4 | N/A | 123.7% | 23.2% | $3.3B |
| TRMK | 75.7 | 11.9 | 34.8% | 19.3% | $2.7B |
| BCAL | 74.4 | 9.9 | 26.2% | 27.1% | $605M |
| NMIH | 73.9 | 7.7 | 8.4% | 55.1% | $3.1B |
| TW | 73.1 | 30.0 | 18.9% | 39.6% | $26.2B |
| VCTR | 73.1 | 18.3 | 8.8% | 32.3% | $4.7B |
| FFIN | 73.1 | 18.8 | 11.7% | 30.7% | $4.8B |
| VLY | 72.5 | 12.5 | -2.2% | 17.1% | $7.4B |
| QQQX | 72.0 | 10.4 | 48.6% | 257.3% | $1.4B |
| Sector Average | 45.7 | 26.8 | 13.4% | -2.8% | โ |
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $52M | $48M | $48M | $46M |
| Gross Profit | $31M | $25M | $25M | $24M |
| Operating Income | $15M | $9M | $8M | $8M |
| Net Income | $10M | $7M | $6M | $6M |
| EPS (Diluted) | $0.42 | $0.27 | $0.25 | $0.25 |
| Gross Margin | 60.1% | 52.5% | 51.6% | 53.2% |
| Operating Margin | 28.3% | 18.1% | 16.8% | 17.4% |
| Net Margin | 19.4% | 13.5% | 12.8% | 13.0% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $10.11 | $15.75 | 43.6% | Wide |
| 2022 | $9.04 | $15.57 | 53.1% | Wide |
| 2023 | $6.51 | $10.19 | 44.1% | Wide |
| 2024 | $7.89 | $13.43 | 52% | Wide |
| 2025 | $10.88 | $18.01 | 49.4% | Wide |
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.