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About the company
Ponce Financial Group, Inc. is the holding company of Ponce Bank (the Bank), a federally chartered stock savings association. It operates through an administrative office and approximately 13 full-service banking offices and five mortgage loan offices. The Bank's business primarily consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in mortgage loans, consisting of one-to-four family residential (both investor-owned and owner-occupied), multifamily residential, nonresidential properties and construction and land, and, to a lesser extent, in business and consumer loans. It also invests in securities, corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. The Bank offers a variety of deposit accounts, including demand, savings, money markets and certificates of deposit accounts. Its primary market area consists of the New York City metropolitan area.
- Revenue in USD (TTM)185.53m
- Net income in USD27.58m
- Incorporated2021
- Employees216.00
- LocationPonce Financial Group Inc2244 Westchester AveBRONX 10462-5010United StatesUSA
- Phone+1 (718) 931-9000
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Waterstone Financial Inc | 116.11m | 26.40m | 332.13m | 600.00 | 12.19 | 0.9506 | 16.16 | 2.34 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 338.47m | 136.00 | 7.43 | 0.9624 | 9.82 | 3.23 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| MVB Financial Corp | 172.89m | 32.16m | 349.44m | 453.00 | 11.18 | 1.05 | 9.94 | 2.00 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 354.64m | 195.00 | -- | 1.29 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 358.04m | 199.00 | 15.13 | -- | 14.21 | 3.97 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 365.93m | 255.00 | 18.20 | 1.16 | 16.46 | 3.91 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| RBB Bancorp | 221.13m | 31.95m | 380.81m | 372.00 | 12.18 | 0.7277 | 15.50 | 2.95 | 1.83 | 1.83 | 7.38 | 30.68 | -- | -- | -- | -- | 0.7792 | 1.11 | -- | -- | -- | -- | 24.74 | 32.61 | -- | -- | -- | 25.98 | 2.06 | 9.71 | 19.81 | -0.6025 | -- | 14.17 |
| Avidia Bancorp Inc | 130.55m | -3.29m | 382.85m | -- | -- | 1.01 | -- | 3.68 | -0.1456 | -0.1456 | 5.39 | 18.88 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -3.16 | -- | -- | -- | -- | -- | 5.54 | -- | -128.64 | -- | -- | -- |
| Bankwell Financial Group Inc | 198.33m | 34.75m | 385.04m | 144.00 | 10.97 | 1.28 | 13.25 | 3.55 | 4.44 | 4.44 | 13.86 | 38.16 | -- | -- | -- | -- | 1.06 | 0.971 | -- | -- | -- | -- | 32.49 | 31.26 | -- | -- | -- | 20.31 | 3.30 | 20.68 | 265.17 | 43.03 | -- | 2.71 |
| River Financial Corp | 191.25m | 40.43m | 387.50m | 334.00 | 9.65 | 1.40 | 8.78 | 3.03 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
| Blue Ridge Bankshares Inc | 137.77m | 10.71m | 390.60m | 416.00 | 39.27 | 1.21 | 47.67 | 4.24 | 0.1087 | 0.1087 | 0.987 | 3.54 | -- | -- | -- | -- | 0.4143 | 0.1744 | -- | -- | -- | -- | 11.63 | 3.69 | -- | -- | -- | -- | -14.06 | 20.40 | 169.61 | -9.70 | -- | -- |
| Ponce Financial Group Inc | 185.53m | 27.58m | 399.21m | 216.00 | 13.85 | 1.26 | 28.67 | 3.65 | 1.19 | 1.19 | 4.74 | 22.44 | -- | -- | -- | -- | 0.9165 | 0.3191 | -- | -- | -- | -- | 26.28 | 8.84 | -- | -- | -- | -- | 14.07 | 28.31 | 166.87 | 48.24 | -- | -- |
| Farmers & Merchants Bancorp Inc | 170.83m | 31.31m | 406.53m | 476.00 | 12.69 | 1.12 | 10.53 | 3.51 | 2.33 | 2.33 | 8.62 | 26.31 | -- | -- | -- | -- | 0.9409 | 0.9363 | -- | -- | -- | -- | 27.53 | 26.85 | -- | -- | -- | 40.19 | 17.00 | 19.08 | 12.84 | 6.85 | -11.82 | 8.02 |
| Citizens & Northern Corp | 131.14m | 26.91m | 425.62m | 386.00 | 13.61 | 1.26 | 14.29 | 3.74 | 1.75 | 1.75 | 7.42 | 18.93 | -- | -- | -- | -- | 1.02 | 1.08 | -- | -- | -- | -- | 23.83 | 24.48 | -- | -- | -- | 68.16 | 12.84 | 14.61 | 7.45 | 5.82 | -7.86 | 0.73 |
| Colony Bankcorp Inc | 149.95m | 28.25m | 432.68m | 526.00 | 12.83 | -- | 16.75 | 3.27 | 1.59 | 1.59 | 7.43 | -- | -- | -- | -- | -- | -- | 0.7707 | -- | -- | -- | -- | 21.37 | 19.33 | -- | -- | -- | 34.68 | 9.26 | 18.89 | 18.37 | 19.05 | -- | -1.54 |
Data as of Feb 13 2026. Currency figures normalised to Ponce Financial Group Inc's reporting currency: US Dollar USD
37.03%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2025 | 1.95m | 8.12% |
| M3F, Inc.as of 31 Dec 2025 | 1.86m | 7.73% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 1.51m | 6.30% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 977.36k | 4.07% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 874.29k | 3.64% |
| Bank of America, NA (Private Banking)as of 30 Sep 2025 | 494.56k | 2.06% |
| Geode Capital Management LLCas of 31 Dec 2025 | 461.24k | 1.92% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 335.46k | 1.40% |
| Renaissance Technologies LLCas of 31 Dec 2025 | 220.25k | 0.92% |
| Empirical Finance LLCas of 31 Dec 2025 | 207.21k | 0.86% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
