What is the 13F Pro Quality Score for PDLB?

13F Pro ranks Ponce Financial Group, Inc. (PDLB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PDLB's current score at https://13fpro.ai/research/PDLB (free sign-up required for the full ranking).

Where does 13F Pro source PDLB data?

All Ponce Financial Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. Ponce Financial Group, Inc. files with the SEC under CIK 1874071. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PDLB in?

Ponce Financial Group, Inc. (PDLB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PDLB research updated on 13F Pro?

PDLB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Ponce Financial Group, Inc.(PDLB)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

PDLB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Ponce Financial Group, Inc. (PDLB), a Financials sector company. PDLB is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Ponce Financial Group, Inc. reports quarterly revenue of $30.3M, net income of $8.6M, an operating margin of 37.6%. Top institutional holders of PDLB by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PDLB trades on the Nasdaq exchange and files with the SEC under CIK 1874071. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PDLB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Ponce Financial Group, Inc. directly from SEC EDGAR.

Revenue

Q1 2026

$30.3M

Net Income

Q1 2026

$8.6M

Free Cash Flow

Q1 2026

$13.8M

Operating Margin

Q1 2026

37.6%

ROIC

Q1 2026

1.0%

D/E Ratio

Q1 2026

1.04

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+166.9% YoY

$27.6MFY 2025

FY22 $-30.0MFY23 $3.4MFY24 $10.3MFY25 $27.6M

EPS (Diluted)

+160.9% YoY

$1.20FY 2025

FY22 $-1.32FY23 $0.15FY24 $0.46FY25 $1.20

Total Assets

+6.1% YoY

$3.22BFY 2025

FY22 $2.31BFY23 $2.75BFY24 $3.04BFY25 $3.22B

Total Debt

+0.0% YoY

$596.1MFY 2025

FY22 $517.4MFY23 $684.4MFY24 $596.1MFY25 $596.1M

Op. Cash Flow

+670.9% YoY

$55.6MFY 2025

FY22 $9.8MFY23 $6.5MFY24 $7.2MFY25 $55.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Net Income	$27.6M +166.9%	$10.3M +208.3%	$3.4M +111.2%	$-30.0M -218.0%	$25.4M +559.6%	$3.9M
EPS (Diluted)	$1.20 +160.9%	$0.46 +206.7%	$0.15 +111.4%	$-1.32 -187.4%	$1.51 +556.5%	$0.23
Total Assets	$3.22B +6.1%	$3.04B +10.5%	$2.75B +19.0%	$2.31B +39.8%	$1.65B +22.0%	$1.36B
Total Debt	$596.1M +0.0%	$596.1M -12.9%	$684.4M +32.3%	$517.4M	—	—
Operating Cash Flow	$55.6M +670.9%	$7.2M +11.1%	$6.5M -33.7%	$9.8M -47.2%	$18.6M +167.5%	$-27.5M

AI Insight: PDLB Financial Trends

PDLB net income tripled from $3M in Q2 2024 to $9M in Q1 2026, while equity steadily expanded and leverage remained contained.

• Net income rose from $3M in Q2 2024 to $10M in Q4 2025, with Q1 2026 at $9M — a near-tripling over six quarters.

• Equity grew consistently from $498M in Q2 2024 to $551M in Q1 2026, a $53M increase across eight quarters.

• Total debt fell from $680M in Q2 2024 to $521M by Q3 2025, though it has since crept back to $571M in Q1 2026.

• Operating cash flow turned sharply positive in Q4 2024 ($23M) and Q4 2025 ($35M), but Q1 2026 moderated to $14M.

⚠ Total debt rebounded from $521M to $596M in Q4 2025 and remains elevated at $571M in Q1 2026 — deleveraging stalled.

⚠ Operating CF is highly volatile — swinging from $-15M to $35M across quarters — making cash generation visibility low.

⚠ Net income dipped from $10M in Q4 2025 to $9M in Q1 2026; confirm whether the earnings acceleration trend holds.

AI Insight: PDLB Ratio Trends

PDLB's profitability has surged in 2025, with ROE more than doubling from 1.9% in Q3 2024 to 7.5% in Q4 2025, while leverage has meaningfully declined.

• ROE expanded sharply from 1.9% in Q3 2024 to a peak of 7.5% in Q4 2025, reflecting sustained profitability improvement across five consecutive quarters.

• ROA improved from 0.3% in Q3 2024 to 1.3% in Q4 2025, signaling better asset utilization over the period.

• D/E ratio fell from 1.37 in Q2 2024 to 0.98 in Q3 2025 before ticking back up to 1.10 in Q4 2025, indicating broadly declining but slightly re-rising leverage.

⚠ ROE, ROA, and ROIC all pulled back in Q1 2026 (6.3%, 1.0%, 4.0%) after Q4 2025 peaks — monitor whether that quarter was a one-off high.

⚠ D/E edged back up to 1.10 in Q4 2025 and 1.04 in Q1 2026 after hitting a low of 0.98 — the deleveraging trend may be stalling.

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Available Research

13F Pro tracks comprehensive data for Ponce Financial Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PDLB

BlackRock, Inc.
$27.1M1,621,751 sh
DIMENSIONAL FUND ADVISORS LP
$15.7M939,100 sh
VANGUARD CAPITAL MANAGEMENT LLC
$14.5M870,366 sh
BANK OF AMERICA CORP /DE/
$8.4M504,558 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.7M463,315 sh
STATE STREET CORP
$5.7M338,919 sh
ALLIANCEBERNSTEIN L.P.
$4.7M289,032 sh
Empirical Finance, LLC
$4.1M247,389 sh
RENAISSANCE TECHNOLOGIES LLC
$4.0M242,135 sh
MANGROVE PARTNERS IM, LLC
$3.2M191,343 sh

Fund	Value	Shares
BlackRock, Inc.	$27.1M	1,621,751
DIMENSIONAL FUND ADVISORS LP	$15.7M	939,100
VANGUARD CAPITAL MANAGEMENT LLC	$14.5M	870,366
BANK OF AMERICA CORP /DE/	$8.4M	504,558
GEODE CAPITAL MANAGEMENT, LLC	$7.7M	463,315
STATE STREET CORP	$5.7M	338,919
ALLIANCEBERNSTEIN L.P.	$4.7M	289,032
Empirical Finance, LLC	$4.1M	247,389
RENAISSANCE TECHNOLOGIES LLC	$4.0M	242,135
MANGROVE PARTNERS IM, LLC	$3.2M	191,343

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Is PDLB a good stock to buy?

13F Pro's AI-powered analysis of Ponce Financial Group, Inc. (PDLB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PDLB are available on the PDLB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PDLB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PDLB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Ponce Financial Group, Inc.'s investment landscape.