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Ponce Financial Group Inc. (PDLB) — RQD Stock Rating Cockpit

$22.68 +1.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Ponce Financial Group Inc. (PDLB) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $548.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PDLB)Realized 20D OHLCV Swing Band: ±4.1%

RSI-14 MOMENTUMOVERBOUGHT (>70)

77.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE99% OF RANGE

L: $14$22.68H: $23

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PDLB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

5.1% ROIC with 42.0% gross margin and 9.96% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

24/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like PDLB

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PDLB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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PDLB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.90%▲ ASCENDING CHANNEL

2026-10-30O $22.78H $22.81L $21.68C $22.68VOL 247.4K

RES: $23.79SUP: $20.06SMA50: $20.46SMA200: $18.72

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PDLB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PDLB Butterfly Map → + Track PDLB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

13.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PDLB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PDLB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PDLB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PDLB)

Financials Rank #329 of 1096 ⚔️ NRIM vs PDLB Full Matrix →

1. Head-to-Head Financials Peer Comparison (PDLB vs. NRIM, FMAO, KRNY, HTB)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Ponce Financial Group Inc. (PDLB) ranks #329 by composite RQD confidence (65/100, grade C) and #684 by equity capitalization ($548.6M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. NRIM currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with PDLB at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PDLB ACTIVE Ponce Financial Group Inc.	C	65/100	19.9x	—	5.1%	+1.21%	$548.6M	Benchmark Subject
NRIM Northrim BanCorp Inc	B+	77/100	8.3x	—	19.8%	+0.83%	$537.9M	/nrim-vs-pdlb →
FMAO Farmers & Merchants Bancorp Inc.	C+	67/100	15.3x	—	9.0%	+1.48%	$510.7M	/fmao-vs-pdlb →
KRNY Kearny Financial Corp	D+	52/100	23.0x	—	3.4%	+0.11%	$599.3M	/krny-vs-pdlb →
HTB HomeTrust Bancshares Inc.	C-	60/100	11.6x	—	10.7%	+0.68%	$747.9M	/htb-vs-pdlb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001874071

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Ponce Financial Group Inc. (PDLB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $27.6M, operating cash flow of $55.6M, and free cash flow of $54.6M (+1115.3% YoY). On the balance sheet, PDLB closed FY2025 with $3.22B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$27.6M	$55.6M	$54.6M	$3.22B	—
FY2024 (FY)	2024-12-31	$0	$10.3M	$7.2M	$4.5M	$3.04B	—
FY2023 (FY)	2023-12-31	$0	$3.4M	$6.5M	$6.5M	—	—

3. PDLB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PDLB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Ponce Financial Group Inc. (NASDAQ: PDLB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $22.68 (+1.21% 1D, market cap $548.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, PDLB ranks #329 in composite RQD confidence.

How does PDLB compare to NRIM and FMAO in the Financials sector?

Within the Financials sector (Savings Institutions), PDLB carries a Roarable C (65/100 RQD), trailing P/E of 19.9x, gross margin of —, and ROIC of 5.1%. By comparison, NRIM (Northrim BanCorp Inc) holds a B+ grade (77/100 RQD, P/E 8.3x, ROIC 19.8%, cap $537.9M) and FMAO (Farmers & Merchants Bancorp Inc.) posts a C+ grade (67/100 RQD, P/E 15.3x, ROIC 9.0%, cap $510.7M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PDLB?

Per PDLB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001874071), Ponce Financial Group Inc. generated $0 in revenue, $27.6M in net income, and $54.6M in free cash flow against $3.22B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PDLB trading relative to its 50-day, 200-day, and 52-week technical levels?

PDLB last traded at $22.68 (+1.21% on volume of 213,995 shares), positioning the stock +10.85% above its 50-day simple moving average ($20.46) and +21.15% above its 200-day simple moving average ($18.72). Across its 52-week range of $14.01 to $22.81, PDLB sits at the 98.5% percentile with a 14-day RSI of 77.4 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.1% ($21.75 to $23.61).

PDLB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PDLB stock right now?

Ponce Financial Group Inc. (PDLB) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (5% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.

What is PDLB's 12-month price target and RQD AI Jury consensus?

PDLB's 12-month base price target is $23.39 (range $18.24 to $27.6), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PDLB RQD Cockpit PDLB 12M Forecast PDLB Earnings & Move PDLB Dividends & DRIP PDLB Insiders & 13F PDLB Whale Options PDLB Profit Sankey PDLB News & Why