Stocktoria
Ponce Financial Group, Inc. PDLB
Nasdaq · XNAS · stock · Savings Institution, Federally Chartered · website · IPO 2017-10-02
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5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | $28.7M | $11.0M | $3.4M | -$30.0M | $25.4M |
| Operating cash flow | $55.6M | $7.2M | $6.5M | $9.8M | $18.6M |
| Free cash flow | $54.6M | $4.5M | $6.1M | $9.3M | $14.4M |
| Total assets | $3.2B | $3.0B | $2.8B | $2.3B | $1.7B |
| Total liabilities | $2.7B | $2.5B | $2.3B | $1.8B | $1.5B |
| Shareholders' equity | $541.5M | $505.5M | $491.4M | $492.7M | $189.3M |
| Ratios | |||||
| Return on assets | 0.9% | 0.4% | 0.1% | -1.3% | 1.5% |
| Return on equity | 5.3% | 2.2% | 0.7% | -6.1% | 13.4% |
| Debt / equity | 1.10× | 1.18× | 1.39× | 1.05× | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 242,135 | $4.0M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001874071 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.