PDLB Ponce Financial (PDLB) Insider Trading, Ownership & Congress Trades
Banks · Savings institution, federally chartered · CIK 0001874071
SEC filings
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
45
13F, latest reported quarter
Ponce Financial insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
No insider purchases or sales are on record for Ponce Financial Group, Inc. in the period covered. Source: SEC Form 4 filings, as of 2026-10-27.
Insider
Filed
Shares
Value
Since filing
Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 29.5% of the 37,077 shares held after it.
- No other insider sold within 30 days.
- 45 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP & Chief Lending Officer Kouzilos Ioannis sold about $183.7K of PDLB on Feb 11, 2026, the largest insider sale at the company on our record; 45 funds added in the latest 13F quarter.Context
- 6 earlier Form 4 trades (code P or S) here by this insider (6 buys), the last on Mar 13, 2023.
- -1.1% median (-2.2% mean) 90-day return after 5 previous buys.
- The trade is 5.6% of the 89,659 shares held after it.
- No other insider bought within 30 days.
- 45 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President & CEO NAUDON CARLOS P bought about $34.1K of PDLB on May 2, 2023; 45 funds added in the latest 13F quarter.Context
- 5 earlier Form 4 trades (code P or S) here by this insider (5 buys), the last on Mar 10, 2023.
- -5.0% median (-7.8% mean) 90-day return after 4 previous buys.
- The trade is 8.9% of the 84,659 shares held after it.
- 2 other insiders bought within 30 days.
- 45 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President & CEO NAUDON CARLOS P bought about $54.2K of PDLB on Mar 13, 2023; 2 other insiders bought within 30 days and 45 funds added in the latest 13F quarter.Context
- 4 earlier Form 4 trades (code P or S) here by this insider (3 buys, 1 sale), the last on Feb 9, 2023.
- -1.1% median (-8.6% mean) 90-day return after 3 previous buys.
- The trade is 31.9% of the 1,919 shares held after it.
- 2 other insiders bought within 30 days.
- 45 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Chief Operating Officer Gonzalez Luis Gerardo Jr. bought about $5.0K of PDLB on Mar 10, 2023; 2 other insiders bought within 30 days and 45 funds added in the latest 13F quarter.Context
- 4 earlier Form 4 trades (code P or S) here by this insider (4 buys), the last on Mar 7, 2023.
- -9.0% median (-12.2% mean) 90-day return after 3 previous buys.
- The trade is 6.5% of the 77,159 shares held after it.
- 2 other insiders bought within 30 days.
- 45 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President & CEO NAUDON CARLOS P bought about $41.1K of PDLB on Mar 10, 2023; 2 other insiders bought within 30 days and 45 funds added in the latest 13F quarter.20 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
no insider buys or sells on file
Congress
no House purchase disclosed in the last 12 months
Funds
45 funds bought in last quarter
below 82% of Banks
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
no share repurchases reported
Short interest
2.6% of the float short (float per yahoo 2026-10-26) · 5.5 days to cover · settled 2026-09-30
below 58% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch PDLB
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+42.7%12M
Insider sell
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns PDLB: institutional holders (13F)
13F holdings, latest reported quarter
1,735,395 sh
$34.6M
954,536 sh
$19.0M
877,782 sh
$17.5M
508,102 sh
$10.1M
496,282 sh
$9.9M
Congress trades in PDLB
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
PDLB planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
PDLB mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Zacks Small-Cap Core Fund
$657.8K position · as of 2026-05-31
1.9%
State Street(R) SPDR(R) US Small Cap Low Volatility Index ETF
$598.2K position · as of 2026-06-30
0.2%
T. Rowe Price Small-Cap Value Fund, Inc.
$22.3M position · as of 2026-06-30
0.2%
First Trust NASDAQ ABA Community Bank Index Fund
$170.0K position · as of 2026-06-30
0.2%
Innovator U.S. Small Cap Managed 10 Buffer ETF
$11.6K position · as of 2026-07-31
0.1%
iShares Micro-Cap ETF
$1.4M position · as of 2026-06-30
0.1%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.5M
$2.1M
$1.0M
+117%
n/a
2024
$1.2M
$1.9M
$842.0K
+73%
n/a
2023
$3.7M
$3.8M
$2.2M
+30%
n/a
2022
$1.3M
$1.3M
$830.6K
+24%
n/a
2021
$1.2M
$1.6M
$754.4K
+38%
n/a
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
The record shows 45 funds added last quarter. Each figure is a federal filing, dated the day it went public.
PDLB financials
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Revenue, TTM PDLB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Net margin, TTM PDLB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Single quarter
Free cash flow, TTM
$57.6M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM PDLB
| FY Dec 2025 | $54.6M |
| FY Dec 2024 | $4.5M |
| FY Dec 2023 | $6.1M |
| FY Dec 2022 | $9.3M |
| FY Dec 2021 | $14.4M |
| Jun 2026 | $8.0M |
| Mar 2026 | $13.8M |
| Dec 2025 | $35.0M |
| Sep 2025 | $786.0K |
| Jun 2025 | $5.9M |
| Mar 2025 | $12.9M |
| Dec 2024 | $22.4M |
| Sep 2024 | -$15.0M |
At each fiscal year end
Single quarter
Debt to equity
1.11x
long-term debt only, 2026-06-30; equity 2026-06-30
Debt to equity PDLB
| FY Dec 2025 | 1.10x |
| FY Dec 2024 | 1.18x |
| FY Dec 2023 | 1.39x |
| FY Dec 2022 | 1.05x |
| FY Dec 2021 | n/a |
| Jun 2026 | 1.11x |
| Mar 2026 | 1.04x |
| Dec 2025 | 1.10x |
| Sep 2025 | 0.98x |
| Jun 2025 | 1.03x |
| Mar 2025 | 1.01x |
| Dec 2024 | 1.18x |
| Sep 2024 | 1.15x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.09x
TTM operating cash flow over long-term debt only, 2026-06-30
Cash flow to debt PDLB
| FY Dec 2025 | 0.09x |
| FY Dec 2024 | 0.01x |
| FY Dec 2023 | 0.01x |
| FY Dec 2022 | 0.02x |
| FY Dec 2021 | n/a |
| Jun 2026 | 0.09x |
| Mar 2026 | 0.10x |
| Dec 2025 | 0.09x |
| Sep 2025 | 0.08x |
| Jun 2025 | 0.05x |
| Mar 2025 | 0.04x |
| Dec 2024 | 0.01x |
| Sep 2024 | -0.03x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+6.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity PDLB
| FY Dec 2025 | +5.3% |
| FY Dec 2024 | +2.1% |
| FY Dec 2023 | +0.7% |
| FY Dec 2022 | -8.8% |
| FY Dec 2021 | +14.6% |
| Jun 2026 | +6.0% |
| Mar 2026 | +5.7% |
| Dec 2025 | +5.3% |
| Sep 2025 | +4.0% |
| Jun 2025 | +3.3% |
| Mar 2025 | +2.8% |
| Dec 2024 | +2.1% |
| Sep 2024 | +1.7% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets PDLB
| FY Dec 2025 | +0.9% |
| FY Dec 2024 | +0.4% |
| FY Dec 2023 | +0.1% |
| FY Dec 2022 | -1.5% |
| FY Dec 2021 | +1.7% |
| Jun 2026 | +1.0% |
| Mar 2026 | +0.9% |
| Dec 2025 | +0.9% |
| Sep 2025 | +0.7% |
| Jun 2025 | +0.6% |
| Mar 2025 | +0.5% |
| Dec 2024 | +0.4% |
| Sep 2024 | +0.3% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital PDLB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed PDLB
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
14.62x
close 2026-10-23 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing PDLB
| FY Dec 2025 | 13.63x |
| FY Dec 2024 | 27.66x |
| FY Dec 2023 | 65.07x |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 6.88x |
| Jun 2026 | 14.14x |
| Mar 2026 | 12.76x |
| Dec 2025 | 13.63x |
| Sep 2025 | 16.52x |
| Jun 2025 | 19.22x |
| Mar 2025 | 20.77x |
| Dec 2024 | 27.66x |
| Sep 2024 | 31.59x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$979.8M
market value at close 2026-10-23 on 2026-08-04 shares, plus long-term debt only, 2026-06-30, minus cash 2026-06-30
Enterprise value PDLB
| FY Dec 2025 | $862.4M |
| FY Dec 2024 | $766.0M |
| FY Dec 2023 | $776.1M |
| FY Dec 2022 | $693.5M |
| FY Dec 2021 | n/a |
| Jun 2026 | $963.4M |
| Mar 2026 | $857.5M |
| Dec 2025 | $862.4M |
| Sep 2025 | $727.3M |
| Jun 2025 | $741.4M |
| Mar 2025 | $694.9M |
| Dec 2024 | $766.0M |
| Sep 2024 | $703.0M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+11.6%
TTM free cash flow over market value at close 2026-10-23
FCF yield PDLB
| FY Dec 2025 | +13.9% |
| FY Dec 2024 | +1.5% |
| FY Dec 2023 | +2.6% |
| FY Dec 2022 | +4.0% |
| FY Dec 2021 | n/a |
| Jun 2026 | +12.0% |
| Mar 2026 | +13.8% |
| Dec 2025 | +13.9% |
| Sep 2025 | +11.9% |
| Jun 2025 | +7.9% |
| Mar 2025 | +5.8% |
| Dec 2024 | +1.5% |
| Sep 2024 | -6.8% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.15x
P/E over trailing EPS growth of 96%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing PDLB
| FY Dec 2025 | 0.09x |
| FY Dec 2024 | 0.13x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.01x |
| Jun 2026 | 0.15x |
| Mar 2026 | 0.11x |
| Dec 2025 | 0.09x |
| Sep 2025 | 0.12x |
| Jun 2025 | 0.23x |
| Mar 2025 | 0.14x |
| Dec 2024 | 0.13x |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-23. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Net income | $27.6M | $10.3M | $3.4M | -$30.0M |
| EPS (diluted) | 1.20 | 0.46 | 0.15 | -1.32 |
| Operating cash flow | $55.6M | $7.2M | $6.5M | $9.8M |
| Cash | $126.2M | $139.8M | $139.2M | $54.4M |
| Long-term debt | $596.1M | $596.1M | $684.4M | $517.4M |
| Buybacks | n/a | n/a | $11.0M | n/a |
SEC XBRL, fiscal years, as known on 2026-10-27
PDLB Stock Sonar score 4/7 axes
Find similar shapesComparePDLB ranks highest on risk and compliance (56th percentile) and profitability (29th), and lowest on financial health (10th), among Banks peers.
4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
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