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/company/PDLB (free sign-up required for the full ranking).

Which hedge funds own the most PDLB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PDLB include T. Rowe Price Investment Management,, BlackRock,, M3F,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/PDLB as soon as new 13F filings post.

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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Financials →Nasdaqsmall

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SEC EDGAR: CIK 1874071 PDLB stock profile & AI dashboard →

13F Pro Quality Score

59.7/100

Rank #912 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

81.3/100

Profitability

91.2/100

Balance Sheet

42.5/100

Earnings Quality

73.6/100

Free Cash Flow

94.2/100

Institutional Flow

21.1/100

Revenue Scale

18.1/100

Dilution Risk

42.3/100

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Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

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Why PDLB Scores 60/100

exact factor attribution · 2026-09-11

PDLB's composite is driven by revenue growth and profitability, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.3 pts

81th pct

Profitability

+8.2 pts

91th pct

Free cash flow

+6.6 pts

94th pct

Earnings growth

+2.9 pts

94th pct

Earnings quality

+2.4 pts

74th pct

Shareholder dilution

-0.5 pts

42th pct

Capital efficiency

-1.0 pts

43th pct

Institutional flow

-1.9 pts

21th pct

Scale

-6.4 pts

18th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PDLB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Ponce Financial Group, Inc. (PDLB), a Financials sector company. 13F Pro's AI-powered ranking engine scores PDLB at 59.7/100 on a 32-signal composite quality model, placing it at rank #912 of 2,962 stocks — the top half of the AI-ranked universe. PDLB scores in the top quartile across free cash flow (94.2), profitability (91.2), revenue growth (81.3). Areas of concern include revenue scale (18.1) and institutional flow (21.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 42.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Ponce Financial Group, Inc. reports quarterly revenue of $31.6M, net income of $8.5M, an operating margin of 35.8%. Top institutional holders of PDLB by reported 13-F value include T. Rowe Price Investment Management, BlackRock, M3F, 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. Ponce Financial Group, Inc.'s 13F Pro composite quality score has ranged between 36 and 61 since 2026, currently 59.7 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about Ponce Financial Group, Inc.

Quirks, history, and lore behind PDLB — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · listed on Nasdaq · headquartered in the Bronx, New York · focused on retail and mortgage banking.
2
The Numbers
A small-cap institution with total assets in the low billions — not a Wall Street giant, but a genuine neighborhood lender serving underserved urban communities.
3
The History
Its roots trace back to a federally chartered savings bank founded to serve Latino and immigrant communities in New York City — a mission it still carries today.
4
The Secret
It converted from a mutual savings bank to a publicly traded stock company, a process known as a mutual-to-stock conversion — a path less traveled in modern banking.
5
The Lore
The bank holds a minority depository institution designation and has long focused on lending in low-to-moderate income neighborhoods that bigger banks often overlook.
6
The Giveaway
Named after Ponce de León — the explorer — this Bronx-born bank serves the South Bronx and surrounding communities under a charter older than most of its customers' grandparents.

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Revenue

Q2 2026

$31.6M

Net Income

Q2 2026

$8.5M

Free Cash Flow

Q2 2026

$8.0M

Operating Margin

Q2 2026

35.8%

ROIC

Q2 2026

3.8%

D/E Ratio

Q2 2026

1.11

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+30.6% YoY

$109.2MFY 2025

FY22 $73.0MFY23 —FY24 $83.7MFY25 $109.2M

Net Income

+161.6% YoY

$28.7MFY 2025

FY22 $-30.0MFY23 $3.4MFY24 $11.0MFY25 $28.7M

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

Free Cash Flow

+1115.3% YoY

$54.6MFY 2025

FY22 $9.3MFY23 $6.1MFY24 $4.5MFY25 $54.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$109.2M +30.6%	$83.7M	—	$73.0M -21.9%	$93.5M	—
Net Income	$28.7M +161.6%	$11.0M +227.3%	$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
Free Cash Flow	$54.6M +1115.3%	$4.5M -26.1%	$6.1M -34.7%	$9.3M -35.3%	$14.4M +148.9%	$-29.4M

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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

T. Rowe Price Investment Management, Inc.
$38.1M1,912,897 sh
BlackRock, Inc.
$34.6M1,735,395 sh
M3F, Inc.
$33.9M1,698,960 sh
DIMENSIONAL FUND ADVISORS LP
$19.0M954,536 sh
VANGUARD CAPITAL MANAGEMENT LLC
$17.5M877,782 sh
BANK OF AMERICA CORP /DE/
$10.1M508,102 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.9M496,282 sh
STATE STREET CORP
$7.6M380,812 sh
ALLIANCEBERNSTEIN L.P.
$6.0M358,482 sh
AMERICAN CENTURY COMPANIES INC
$4.7M234,908 sh

Fund	Value	Shares
T. Rowe Price Investment Management, Inc.	$38.1M	1,912,897
BlackRock, Inc.	$34.6M	1,735,395
M3F, Inc.	$33.9M	1,698,960
DIMENSIONAL FUND ADVISORS LP	$19.0M	954,536
VANGUARD CAPITAL MANAGEMENT LLC	$17.5M	877,782
BANK OF AMERICA CORP /DE/	$10.1M	508,102
GEODE CAPITAL MANAGEMENT, LLC	$9.9M	496,282
STATE STREET CORP	$7.6M	380,812
ALLIANCEBERNSTEIN L.P.	$6.0M	358,482
AMERICAN CENTURY COMPANIES INC	$4.7M	234,908

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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. PDLB is classified as a small company.

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.