Stock Ratings / Financials / PDLB / earnings

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Ponce Financial Group Inc. (PDLB) Next Earnings Date & Expected ±4.1% Move

$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%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.1% Swing Band

±$0.93 Expected Swing

MODEL EARNINGS SETUP GAUGE

PDLB Quantitative Pre-Earnings Setup: 65/100

Trailing EPS: $1.14 • YoY Revenue Growth: 12.4%

Model Bullish Setup (65/100)Model Risk Weight (35/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$27.6M	$54.6M	52%
FY 2024	2024-12-31	$0	$10.3M	$4.5M	52%
FY 2023	2023-12-31	$0	$3.4M	$6.5M	52%

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Whale Flow & Momentum Playbook: Evaluating PDLB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PDLB
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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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).