Overview
- TickerPDLB on Nasdaq1
- IndustrySavings Institution, Federally Chartered1
- HeadquartersBronx, New York1
- Incorporated inMD2
- Business address2244 Westchester Ave, Bronx, Ny 104622
- Filer categoryAccelerated filer2
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Ponce Financial Group, Inc. (hereafter referred to as “we,” “our,” “us,” “Ponce Financial Group, Inc.,” or the “Company”), is a financial holding company and the holding company of Ponce Bank, National Association (“Ponce Bank” or the “Bank”), a national bank. The Company is authorized to pursue other business activities permitted by applicable laws and regulations for financial holding companies, which may include the acquisition of banking and financial services companies.3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest on loans receivable | $162.5M | $130.5M | $95.8M |
| Interest on deposits due from banks | $4.7M | $8.7M | $5.0M |
| Interest and dividend on securities and FHLBNY stock | $18.4M | $23.5M | $25.1M |
| Total interest and dividend income | $185.5M | $162.6M | $125.9M |
| Interest on certificates of deposit | $28.4M | $27.8M | $16.6M |
| Interest on other deposits | $36.7M | $30.9M | $18.6M |
| Interest on borrowings | $20.6M | $27.5M | $25.5M |
| Total interest expense | $85.7M | $86.2M | $60.6M |
| Net interest income | $99.8M | $76.5M | $65.3M |
| Provision for credit losses (Note 3) (Note 5) | $3.8M | $551.0K | $3.3M |
| Net interest income after provision (benefit) for credit losses | $96.0M | $75.9M | $62.0M |
| Service charges and fees | $2.1M | $2.0M | $2.0M |
| Brokerage commissions | $35.0K | $61.0K | $80.0K |
| Late and prepayment charges | $2.8M | $1.2M | $2.4M |
| Income on sale of mortgage loans | $622.0K | $1.0M | $598.0K |
| Income on sale of SBA loans | $404.0K | $148.0K | |
| Grant income | $1.3M | $4.2M | |
| Other | $2.2M | $2.8M | $1.0M |
| Total non-interest income | $9.4M | $7.2M | $10.2M |
| Compensation and benefits | $31.4M | $30.9M | $30.7M |
| Occupancy and equipment | $15.8M | $14.9M | $14.6M |
| Data processing expenses | $4.9M | $4.4M | $5.1M |
| Direct loan expenses | $900.0K | $2.6M | $1.6M |
| Insurance and surety bond premiums | $1.3M | $1.1M | $1.0M |
| Office supplies, telephone and postage | $700.0K | $998.0K | $1.5M |
| Professional fees | $5.5M | $6.1M | $7.1M |
| Microloans recoveries | -$201.0K | -$1.5M | |
| Marketing and promotional expenses | $627.0K | $714.0K | $825.0K |
| Federal deposit insurance and regulatory assessment | $1.4M | $1.6M | $1.5M |
| Other operating expenses | $4.6M | $4.3M | $4.0M |
| Total non-interest expense | $67.0M | $67.5M | $66.4M |
| Income before income taxes | $38.4M | $15.7M | $5.9M |
| Provision for income taxes (Note 10) | $9.7M | $4.7M | $2.5M |
| Net income | $28.7M | $11.0M | $3.4M |
| Dividends on preferred shares | $1.1M | $638.0K | |
| Net income (loss) available to common stockholders | $27.6M | $10.3M | $3.4M |
| Basic | $1.21 | $0.46 | $0.15 |
| Diluted | $1.20 | $0.46 | $0.15 |
| Basic | 22.7M shares | 22.4M shares | 22.7M shares |
| Diluted | 23.1M shares | 22.6M shares | 22.8M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash | $28.5M | $35.5M | ||
| Interest-bearing deposits | $97.6M | $104.4M | ||
| Total cash and cash equivalents | $126.2M | $139.8M | ||
| Available-for-sale securities, at fair value (Note 3) | $92.2M | $105.0M | ||
| Held-to-maturity securities, net of allowance for credit losses of $236 and $216 at December 31, 2025 and 2024, respectively; at amortized cost (fair value 2025 $268,875; 2024 $355,294) (Note 3) | $273.0M | $367.9M | ||
| Placements with banks | $249.0K | $249.0K | ||
| Mortgage loans held for sale, at fair value (Note 4) | $3.4M | $10.7M | ||
| Loans receivable, net of allowance for credit losses of $25,449 and $22,502 at December 31, 2025 and 2024, respectively (Note 5) | $2.6B | $2.3B | ||
| Accrued interest receivable | $17.9M | $17.8M | ||
| Premises and equipment, net (Note 6) | $15.6M | $16.8M | ||
| Right of use assets (Note 7) | $27.6M | $29.1M | ||
| Federal Home Loan Bank of New York (FHLBNY) stock, at cost | $29.3M | $29.2M | ||
| Federal Reserve Bank of New York (FRBNY) stock, at cost | $10.7M | $0 | ||
| Deferred tax assets (Note 10) | $11.5M | $12.1M | ||
| Other assets | $17.1M | $24.7M | ||
| Total assets | $3.2B | $3.0B | ||
| Deposits (Note 8) | $2.0B | $1.9B | ||
| Borrowings (Note 9) | $596.1M | $596.1M | ||
| Operating lease liabilities | $29.4M | $30.7M | ||
| Accrued interest payable | $3.8M | $3.7M | ||
| Other liabilities | $6.5M | $8.7M | ||
| Total liabilities | $2.7B | $2.5B | ||
| Preferred stock, $0.01 par value; 100,000,000 shares authorized: Series A, senior non-cumulative perpetual, $1,000 per share liquidation preference, 225,000 shares issued and outstanding as of December 31, 2025 and 2024 | $225.0M | $225.0M | ||
| Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued at both December 31, 2025 and 2024; 24,135,926 and 23,961,214 shares outstanding as of December 31, 2025 and 2024, respectively | $249.0K | $249.0K | ||
| Treasury stock, at cost; 750,785 and 925,497shares as of December 31, 2025 and 2024, respectively (Note 11) | -$6.2M | -$7.7M | ||
| Additional paid-in-capital | $208.6M | $207.3M | ||
| Retained earnings | $135.3M | $107.8M | ||
| Accumulated other comprehensive loss (Note 16) | -$10.8M | -$15.3M | ||
| Unearned Employee Stock Ownership Plan (ESOP); 1,168,244 and 1,301,988 shares as of December 31, 2025 and 2024, respectively (Note 11) | -$10.7M | -$11.8M | ||
| Total stockholders' equity | $541.5M | $505.5M | $491.4M | $492.7M |
| Total liabilities and stockholders' equity | $3.2B | $3.0B | ||
| Held-to-maturity securities, allowance for credit losses | $236.0K | $216.0K | $398.0K | |
| Held-to-maturity securities, at fair value | $268.9M | $355.3M | ||
| Loans receivable, allowance for credit losses | $25.4M | $22.5M | $26.2M | $34.6M |
| Preferred stock, par value | $0.01 | $0.01 | ||
| Preferred stock, shares authorized | 100.0M shares | 100.0M shares | ||
| Series A, senior non-cumulative perpetual preferred stock, shares issued | 225.0K shares | 225.0K shares | ||
| Series A, senior non-cumulative perpetual preferred stock, shares outstanding | 225.0K shares | 225.0K shares | ||
| Series A, senior non-cumulative perpetual preferred stock, liquidation preference per share | $1.0K | $1.0K | ||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | ||
| Common stock, shares authorized | 200.0M shares | 200.0M shares | ||
| Common stock, shares, issued | 24.9M shares | 24.9M shares | ||
| Common stock, shares, outstanding | 24.1M shares | 24.0M shares | ||
| Treasury stock, common shares | 750.8K shares | 925.5K shares | ||
| Unearned Employee Stock Ownership Plan (ESOP), shares | 1.2M shares | 1.3M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash | $28.5M | $35.5M | ||
| Interest-bearing deposits | $97.6M | $104.4M | ||
| Total cash and cash equivalents | $126.2M | $139.8M | ||
| Available-for-sale securities, at fair value (Note 3) | $92.2M | $105.0M | ||
| Held-to-maturity securities, net of allowance for credit losses of $236 and $216 at December 31, 2025 and 2024, respectively; at amortized cost (fair value 2025 $268,875; 2024 $355,294) (Note 3) | $273.0M | $367.9M | ||
| Placements with banks | $249.0K | $249.0K | ||
| Mortgage loans held for sale, at fair value (Note 4) | $3.4M | $10.7M | ||
| Loans receivable, net of allowance for credit losses of $25,449 and $22,502 at December 31, 2025 and 2024, respectively (Note 5) | $2.6B | $2.3B | ||
| Accrued interest receivable | $17.9M | $17.8M | ||
| Premises and equipment, net (Note 6) | $15.6M | $16.8M | ||
| Right of use assets (Note 7) | $27.6M | $29.1M | ||
| Federal Home Loan Bank of New York (FHLBNY) stock, at cost | $29.3M | $29.2M | ||
| Federal Reserve Bank of New York (FRBNY) stock, at cost | $10.7M | $0 | ||
| Deferred tax assets (Note 10) | $11.5M | $12.1M | ||
| Other assets | $17.1M | $24.7M | ||
| Total assets | $3.2B | $3.0B | ||
| Deposits (Note 8) | $2.0B | $1.9B | ||
| Borrowings (Note 9) | $596.1M | $596.1M | ||
| Operating lease liabilities | $29.4M | $30.7M | ||
| Accrued interest payable | $3.8M | $3.7M | ||
| Other liabilities | $6.5M | $8.7M | ||
| Total liabilities | $2.7B | $2.5B | ||
| Preferred stock, $0.01 par value; 100,000,000 shares authorized: Series A, senior non-cumulative perpetual, $1,000 per share liquidation preference, 225,000 shares issued and outstanding as of December 31, 2025 and 2024 | $225.0M | $225.0M | ||
| Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued at both December 31, 2025 and 2024; 24,135,926 and 23,961,214 shares outstanding as of December 31, 2025 and 2024, respectively | $249.0K | $249.0K | ||
| Treasury stock, at cost; 750,785 and 925,497shares as of December 31, 2025 and 2024, respectively (Note 11) | -$6.2M | -$7.7M | ||
| Additional paid-in-capital | $208.6M | $207.3M | ||
| Retained earnings | $135.3M | $107.8M | ||
| Accumulated other comprehensive loss (Note 16) | -$10.8M | -$15.3M | ||
| Unearned Employee Stock Ownership Plan (ESOP); 1,168,244 and 1,301,988 shares as of December 31, 2025 and 2024, respectively (Note 11) | -$10.7M | -$11.8M | ||
| Total stockholders' equity | $541.5M | $505.5M | $491.4M | $492.7M |
| Total liabilities and stockholders' equity | $3.2B | $3.0B | ||
| Held-to-maturity securities, allowance for credit losses | $236.0K | $216.0K | $398.0K | |
| Held-to-maturity securities, at fair value | $268.9M | $355.3M | ||
| Loans receivable, allowance for credit losses | $25.4M | $22.5M | $26.2M | $34.6M |
| Preferred stock, par value | $0.01 | $0.01 | ||
| Preferred stock, shares authorized | 100.0M shares | 100.0M shares | ||
| Series A, senior non-cumulative perpetual preferred stock, shares issued | 225.0K shares | 225.0K shares | ||
| Series A, senior non-cumulative perpetual preferred stock, shares outstanding | 225.0K shares | 225.0K shares | ||
| Series A, senior non-cumulative perpetual preferred stock, liquidation preference per share | $1.0K | $1.0K | ||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | ||
| Common stock, shares authorized | 200.0M shares | 200.0M shares | ||
| Common stock, shares, issued | 24.9M shares | 24.9M shares | ||
| Common stock, shares, outstanding | 24.1M shares | 24.0M shares | ||
| Treasury stock, common shares | 750.8K shares | 925.5K shares | ||
| Unearned Employee Stock Ownership Plan (ESOP), shares | 1.2M shares | 1.3M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $28.7M | $11.0M | $3.4M |
| Amortization of premiums/discounts on securities, net | -$56.0K | -$121.0K | -$118.0K |
| Gain on sale of loans | -$1.0M | -$1.2M | -$558.0K |
| Microloans (recoveries) write-off | $0 | -$201.0K | -$1.5M |
| Provision for credit losses | $3.8M | $1.3M | $973.0K |
| Depreciation and amortization | $4.8M | $4.7M | $4.5M |
| ESOP compensation expense | $2.2M | $1.5M | $1.1M |
| Share-based compensation expense | $1.9M | $2.1M | $1.9M |
| Deferred income taxes (benefit) | -$634.0K | $2.2M | $1.3M |
| Decrease (increase) in mortgage loans held for sale, at fair value | $12.6M | $292.0K | -$7.4M |
| Increase (decrease) in accrued interest receivable | -$134.0K | $239.0K | -$3.0M |
| Decrease (increase) in other assets | $7.6M | $30.0K | -$10.7M |
| (Decrease) increase in accrued interest payable | $76.0K | -$8.3M | $10.6M |
| Decrease in operating lease liabilities | -$2.7M | -$2.6M | -$2.4M |
| Net (decrease) increase in other liabilities | -$1.6M | -$3.8M | $8.5M |
| Net cash provided by operating activities | $55.6M | $7.2M | $6.5M |
| Net (purchase) redemption of FHLBNY Stock | -$127.0K | -$9.8M | $5.3M |
| Purchase of FRBNY stock | -$10.7M | ||
| Proceeds from maturities, calls and principal repayments on securities | $113.5M | $109.5M | $61.0M |
| Placements with banks | $0 | $1.2M | |
| Proceeds from sales of loans | $7.8M | $2.6M | $2.8M |
| Net increase in loans | -$329.2M | -$388.5M | -$402.7M |
| Purchase of loans | -$6.0M | ||
| Purchases of premises and equipment | -$978.0K | -$2.7M | -$411.0K |
| Net cash used in investing activities | -$219.7M | -$294.9M | -$332.9M |
| Net increase in deposits | $151.4M | $377.2M | $255.2M |
| Stock options exercised | $142.0K | ||
| Repurchase of treasury stock | -$11.0M | ||
| Dividends paid on preferred stock | -$1.1M | -$588.0K | |
| Net (repayments) proceeds from borrowings | $0 | -$88.3M | $167.0M |
| Net cash provided by financing activities | $150.4M | $288.3M | $411.2M |
| Net decrease (increase) in cash and cash equivalents | -$13.7M | $649.0K | $84.8M |
| Interest | $85.6M | $94.4M | $50.0M |
| Income taxes | $8.5M | $2.2M | $1.0M |
| Loans receivable | -$4.6M | $824.0K | $4.1M |
No quarter-by-quarter statement was filed.
Corporate structure
Ponce Financial Group, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Ponce Financial Group, Inc.
- Ponce Bank Employees Stock Ownership Plan with 401(k) Provisions Filed SCHEDULE 13G/A on Ponce Financial Group, Inc., latest May 7, 2026 (5 filings since Apr 19, 2022)
- T. Rowe Price Investment Management, Inc. Filed SCHEDULE 13G/A on Ponce Financial Group, Inc., latest Feb 17, 2026 (6 filings since Aug 10, 2022)
- M3 PARTNERS LP Filed SCHEDULE 13G/A on Ponce Financial Group, Inc., latest Feb 4, 2026 (3 filings since Feb 10, 2023)
- PRICE T ROWE ASSOCIATES INC /MD/ Filed SC 13G on Ponce Financial Group, Inc., latest Apr 11, 2022
- Ponce De Leon Foundation Filed SC 13G on Ponce Financial Group, Inc., latest Feb 22, 2022
- Ponce Financial Group, Inc. Bronx, New York
Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Ponce Financial Group, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $32.9M8 Dec 31, 2025 | $32.2M8 Dec 31, 2024 | +2.0% |
| Accumulated depreciation | $17.2M8 Dec 31, 2025 | $15.4M8 Dec 31, 2024 | +11.7% |
| Property and equipment, net | $15.6M8 Dec 31, 2025 | $16.8M8 Dec 31, 2024 | −6.9% |
| Operating-lease assets (leased space) | $27.6M8 Dec 31, 2025 | $29.1M8 Dec 31, 2024 | −5.2% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $126.2M8 Dec 31, 2025 | $139.8M8 Dec 31, 2024 | −9.8% |
| Debt securities available for sale | $92.2M8 Dec 31, 2025 | $105.0M8 Dec 31, 2024 | −12.2% |
| Deposits held (banks) | $2.0B8 Dec 31, 2025 | $1.9B8 Dec 31, 2024 | +8.0% |
Properties, in its own words
As of December 31, 2025, the net book value of the Company’s office properties including leasehold improvements was $12.7 million, and the net book value of its furniture, fixtures and other equipment and software was $2.9 million. The Company’s and Bank’s executive offices are located at 2244 Westchester Avenue, Bronx, New York.
The following table sets forth information regarding the Company’s offices as of December 31, 2025.
The rest of Item 2
Location · Leased orOwned · Year Acquiredor Leased · Net Book Value ofReal Property
Main Office:
2244 Westchester Avenue · Leased · 2021 · 242
Other Properties:
980 Southern Blvd. · Leased · 1990 · 439
37-60 82nd Street · Leased · 2021 · —
Jackson Heights, NY 11372
51 East 170th Street · Leased · 2018 · 552
169 Smith Street · Leased · 2021 · 26
207 East 106th Street · Leased · 2006 · 1,097
2244 Westchester Avenue · Leased · 2021 · 503
5560 Broadway · Leased · 2021 · 1,242
34-05 Broadway · Leased · 2001 · 625
Astoria, NY 11106
3821 Bergenline Avenue · Leased · 2021 · —
Union City, NJ 07087
1900 Ralph Avenue · Leased · 2007 · 367
20-47 86th Street · Owned · 2010 · 3,158
100-20 Queens Boulevard · Leased · 2010 · 8
Forest Hills, NY 11375
319 1st Avenue · Leased · 2010 · 167
3876 9th Avenue · Leased · 2025 · 851
2612 East 16th Street (1) · Leased · 2020 · —
135-14 Northern Blvd. · Owned · 2020 · 3,320
Flushing, NY 11354
297 South Washington Avenue · Leased · 2025 · 57
Bergenfield, NJ 07621
1600 Ponce de Leon Boulevard · Leased · 2024 · —
Coral Gables, FL 33134
12,654
(1) On May 1, 2025, the Company sublet its 2612 East 16th Street Brooklyn mortgage loan office. The sublease will expire on August 31, 2028.
Item 2 of the 10-K filed Mar 13, 2026.3
Leadership
Who has led Ponce Financial Group, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
2025
- Chief executive officerCarlos P. Naudon Jan 28, 2022 to now11
- ChairSteven Tsavaris Jan 28, 2022 to now12
- PresidentCarlos P. Naudon Jan 28, 2022 to now11
- Chief financial officerFrank Perez Jan 28, 2022 to Apr 5, 202213
- Chief financial officerSergio Javier Vaccaro Jun 6, 2022 to now14
- Chief operating officerLuis Gerardo Gonzalez Jr. Apr 1, 2022 to now15
Board members and other officers (14)
- EVP and Chief Banking OfficerBetty Yolainy Campiz Feb 9, 2026 to now16
- Chief Human Resources OfficerMelissa Antonia Deleon Feb 9, 2026 to now17
- Chief InvestorRelationsOfficerFrank Perez Dec 11, 2023 to Dec 11, 202318
- Chief Information OfficerElizabeth Macias Jan 28, 2022 to Dec 11, 202319
- Chief Lending OfficerIoannis Kouzilos Jan 28, 2022 to now20
- Chief External Affairs OfficerMadeline Marquez V. Jan 28, 2022 to now21
- Senior Vice PresidentMichael J. Lagoudis Jan 28, 2022 to Dec 11, 202322
- Board memberMarlene Cintron Mar 30, 2026 to now23
- Board memberCarlos P. Naudon Jan 28, 2022 to now11
- Board memberJames C. Demetriou Jan 28, 2022 to Dec 11, 202324
- Board memberJulio Gurman Jan 28, 2022 to Dec 11, 202325
- Board memberMaria Alvarez Jan 28, 2022 to Dec 11, 202326
- Board memberNick R. Lugo Jan 28, 2022 to Dec 11, 202327
- Board memberJames Perez Mar 25, 2022 to Dec 11, 202328
Timeline
- Jul 27, 20268-K Results of operations; Regulation FD disclosure29
- Jun 12, 20268-K Shareholder vote; Other events30
- Apr 24, 20268-K Results of operations; Regulation FD disclosure31
- Mar 31, 20268-K Executive or director change; Other events32
- Jan 27, 20268-K Results of operations; Regulation FD disclosure33
- Oct 24, 20258-K Results of operations; Regulation FD disclosure34
- Oct 14, 20258-K Other events35
- Jul 25, 20258-K Results of operations; Regulation FD disclosure36
- Jun 17, 20258-K Shareholder vote; Other events37
- May 13, 20258-K Other events38
- Apr 25, 20258-K Results of operations; Regulation FD disclosure39
- Jan 28, 20258-K Results of operations; Regulation FD disclosure40
- Jan 28, 2022New chief executive Carlos P. Naudon becomes CEO11
Calendar
Coming up
- Oct 23, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.27 a share, on Oct 24, 2025.41
When it reported results
- Jul 27, 2026Reported quarterly or annual results29
- Apr 24, 2026Reported quarterly or annual results31
- Jan 27, 2026Reported quarterly or annual results33
- Oct 24, 2025Reported quarterly or annual results34
- Jul 25, 2025Reported quarterly or annual results36
- Apr 25, 2025Reported quarterly or annual results39
- Jan 28, 2025Reported quarterly or annual results40
- Dec 11, 2024Reported quarterly or annual results42
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
209 filings to the SEC since October 2021: 5 annual reports, 14 quarterly reports, 59 major events, 90 insider forms, 17 large holders, 24 other. The latest 20:
- Aug 5, 202610-Q EDGAR
- Jul 27, 20268-K EDGAR
- Jun 12, 20268-K EDGAR
- May 7, 2026SCHEDULE 13G/A EDGAR
- May 7, 202610-Q EDGAR
- Apr 24, 20268-K EDGAR
- Apr 22, 2026ARS EDGAR
- Apr 22, 2026DEFA14A EDGAR
- Apr 22, 2026DEF 14A EDGAR
- Mar 31, 20263/A EDGAR
- Mar 31, 20268-K EDGAR
- Mar 30, 20263 EDGAR
- Mar 13, 202610-K EDGAR
- Feb 17, 2026SCHEDULE 13G/A EDGAR
- Feb 13, 20264 EDGAR
- Feb 10, 20264 EDGAR
- Feb 10, 20264 EDGAR
- Feb 9, 20263 EDGAR
- Feb 9, 20263 EDGAR
- Feb 4, 2026SCHEDULE 13G/A EDGAR
The 209 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
18 open-market trades by officers, directors and large owners since October 2021: 15 buys and 3 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Feb 11, 2026 | Kouzilos IoannisEVP & Chief Lending Officer | Sale | 10,929 | $16.81 | $183.7K | Form 4 |
| May 2, 2023 | NAUDON CARLOS PPresident & CEO | Buy | 5,000 | $6.82 | $34.1K | Form 4 |
| Mar 13, 2023 | NAUDON CARLOS PPresident & CEO | Buy | 7,500 | $7.23 | $54.2K | Form 4 |
| Mar 10, 2023 | Gonzalez Luis Gerardo Jr.Chief Operating Officer | Buy | 613 | $8.16 | $5.0K | Form 4 |
| Mar 10, 2023 | NAUDON CARLOS PPresident & CEO | Buy | 5,000 | $8.23 | $41.1K | Form 4 |
| Mar 10, 2023 | Tsavaris StevenExecutive Chairman | Buy | 4,700 | $8.58 | $40.3K | Form 4 |
| Mar 7, 2023 | NAUDON CARLOS PPresident & CEO | Buy | 5,000 | $8.99 | $45.0K | Form 4 |
| Feb 9, 2023 | Gonzalez Luis Gerardo Jr.Chief Operating Officer | Buy | 1,081 | $9.25 | $10.0K | Form 4 |
| Feb 3, 2023 | NAUDON CARLOS PPresident & CEO | Buy | 15,000 | $9.41 | $141.2K | Form 4 |
| Dec 8, 2022 | Rodriguez DavidChief Relationship Officer | Sale | 323 | $9.84 | $3.2K | Form 4 |
| Jun 13, 2022 | Alvarez MariaDirector | Buy | 1,091 | $9.16 | $10.0K | Form 4 |
| Jun 6, 2022 | Lugo Nick R.Director | Buy | 1,046 | $9.55 | $10.0K | Form 4 |
| Jun 6, 2022 | Vaccaro Sergio JavierChief Financial Officer | Buy | 10,000 | $9.24 | $92.4K | Form 4 |
| Jun 3, 2022 | Tsavaris StevenExecutive Chairman | Buy | 2,000 | $9.56 | $19.1K | Form 4 |
| Jun 2, 2022 | Gonzalez Luis Gerardo Jr.Chief Operating Officer | Buy | 225 | $9.51 | $2.1K | Form 4 |
| Jun 2, 2022 | NAUDON CARLOS PPresident & CEO | Buy | 1,500 | $9.53 | $14.3K | Form 4 |
| May 9, 2022 | Gonzalez Luis Gerardo Jr.Chief Operating Officer | Buy | 107 | $9.29 | $994 | Form 4 |
| May 9, 2022 | Gonzalez Luis Gerardo Jr.Chief Operating Officer | Sale | 107 | $9.26 | $991 | Form 4 |
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Ponce Bank Employees Stock Ownership Plan with 401(k) ProvisionsSCHEDULE 13G/A, 5 filings Apr 19, 2022 to May 7, 202643
- T. Rowe Price Investment Management, Inc.SCHEDULE 13G/A, 6 filings Aug 10, 2022 to Feb 17, 202644
- M3 PARTNERS LPSCHEDULE 13G/A, 3 filings Feb 10, 2023 to Feb 4, 202645
- PRICE T ROWE ASSOCIATES INC /MD/SC 13G, 1 filing Apr 11, 202246
- Ponce De Leon FoundationSC 13G, 1 filing Feb 22, 202247
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 85. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Ponce Financial Group, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARPonce Financial Group, Inc.1
- CIK0001874071
- Employer ID (EIN)87-18939653
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
- Incorporated inMaryland3
- Fiscal year endsDecember 311
- Industry code (SIC)6035 Savings Institution, Federally Chartered1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address2244 Westchester Ave, Bronx, NY 104621
- Phone718-931-9000EXT.11681
- Shares outstanding24,187,901 as of Aug 4, 202610
- Public float$311.9M as of Jun 30, 20253
- AuditorForvis Mazars, LLP, New York, New York, USA PCAOB ID 686; it also attests to the company’s internal control over financial reporting3
- On EDGAR sinceAug 3, 20211
- Filings211 in all: 4 (61), 8-K (59), 3 (19), 10-Q (14), 3/A (10), SC 13G/A (7), 10-K (5), DEF 14A (5)1
All 23 form types
SC 13G (5), ARS (4), SCHEDULE 13G/A (4), DEFA14A (3), 424B3 (2), CORRESP (2), EFFECT (2), S-8 (2), 8-A12B (1), CERT (1), POS AM (1), S-1 (1), S-1/A (1), SCHEDULE 13G (1), UPLOAD (1)
- Latest filingsAnnual report (10-K) Mar 13, 2026
Quarterly report (10-Q) Aug 5, 2026
Proxy statement (DEF 14A) Apr 22, 2026
Latest 8-K (8-K) Jul 27, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common stock, par value $0.01 per share | PDLB | The Nasdaq Stock Market, LLC |
From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).3
Risk factors and legal proceedings
The risks Ponce Financial Group, Inc. names in Item 1A of its 10-K filed Mar 13, 2026: 56 risks under these headings, as written.3
- Risks Related to CDFI and MDI Status.
- We may lose the ability to obtain grants and awards available to CDFIs and/or MDIs institutions.
- Risks Related to our Lending Activities.
- We have increased our multifamily, nonresidential and construction and land loans, and intend to continue to increase originations of these types of loans. These loans may carry greater credit risk than loans secured by one-to-four family real estate that could adversely affect our financial condition and net income.
- Our business and our customers are impacted by inflationary pressures.
- The unseasoned nature of our multifamily, nonresidential and construction and land loans portfolio may result in changes to our estimates of collectability, which may lead to additional provisions or charge-offs, which could hurt our profits.
- Our business may be adversely affected by credit risk associated with residential property.
- If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings and capital could decrease.
- A worsening of economic conditions in our market area could reduce demand for our products and services and/or result in increases in our level of nonperforming loans, which could adversely affect our operations, financial condition and earnings.
- We are subject to environmental liability risk associated with lending activities or properties we own.
- Risks Related to our Business Strategy.
- Our business strategy includes growth, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Growing our operations could also cause our expenses to increase faster than our revenues.
The other 44 risks
- We may incur losses due to minority investments in other financial technology related companies.
- New lines of business or new products and services may subject us to additional risks.
- Our emphasis on construction lending involves risks that could adversely affect our financial condition and results of operations.
- Our efficiency ratio is high, and we anticipate that it may remain high, as a result of the ongoing implementation of our business strategy.
- We have received an investment under the ECIP from the Treasury, in exchange for the issuance of senior perpetual preferred stock, which preferred stock has certain rights and preferences as compared to shares of our common stock. We are subject to certain contractual and regulatory restrictions under the ECIP which may hinder our operations.
- We may be dependent on advances from the FHLBNY and borrowings from the FRBNY to grow our lending activities, which may negatively impact our results of operations.
- Risks Related to Competitive Matters
- Strong competition within our market areas may limit our growth and profitability.
- Our small size makes it more difficult for us to compete.
- Consumers may increasingly decide not to use banks to complete their financial transactions, which could have a material adverse impact on our financial condition and operations.
- Risks Related to Our Management.
- We depend on our management team to implement our business strategy and execute successful operations and we could be harmed by the loss of their services.
- Adherence to our internal policies and procedures by management is critical to our performance and how we are perceived by our regulators.
- Risks Related to Interest Rates.
- Future changes in interest rates could reduce our profits and asset values.
- Changes in the valuation of securities held could adversely affect us.
- Risks Related to Laws and Regulations.
- Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
- Our New York State multi-family loan portfolio could be adversely impacted by changes in legislation or regulation, primarily rent control and rent stabilization.
- We may be limited in our ability to originate new construction loans in our market area due to legislative changes.
- Imposition of limits by the bank regulators on construction lending activities could curtail our growth and adversely affect our earnings.
- Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
- Our ability to originate loans could be restricted by federal regulations.
- We are subject to stringent capital requirements, which may adversely impact our return on equity, require us to raise additional capital, or limit our ability to pay dividends or repurchase shares.
- The Federal Reserve Board may require us to commit capital resources to support Ponce Bank.
- Monetary policies and regulations of the Federal Reserve Board could adversely affect our business, financial condition and results of operations.
- Risk Related to our Operations and Technology.
- We face significant operational risks because the financial services business involves a high volume of transactions and increased reliance on technology, including risk of loss related to cyber security breaches.
- Our business is technology dependent, and an inability to successfully implement technological improvements may adversely affect our ability to be competitive and our results of operations and financial condition.
- Negative developments in the U.S. or in our primary markets may adversely impact our results in the future.
- We are subject to losses due to errors, omissions or fraud by our employees, client, counterparties or other third parties.
- Risks Related to Accounting Matters
- Changes in accounting standards could affect reported earnings.
- Changes in management’s estimates and assumptions may have a material impact on our consolidated financial statements and our financial condition or operating results.
- Other Risks Related to Our Business and Industry Generally
- Financial challenges at other banking institutions could lead to depositor concerns that spread within the banking industry causing disruptive deposit outflows and other destabilizing results.
- Ineffective liquidity management could adversely affect our financial results and condition.
- Legal and regulatory proceedings and related matters could adversely affect us.
- We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
- Our Equity Incentive Plans have increased our expenses and reduced our income, and may dilute our stockholders' ownership interests.
- We are subject to physical and financial risks associated with climate change and other weather and natural disaster impacts
- Increased scrutiny and evolving expectations from customers, regulators, investors and other stakeholders with respect to environmental, social and governance (“ESG”) practices may impose additional costs on the Company or expose it to new or additional risks.
- Our historical markets, minority and immigrant individuals, may be threatened by gentrification and adverse political developments, which could decrease our growth and profitability.
- The success of our business strategies depends on our ability to identify, recruit and retain individuals with experience and relationships in our primary markets.
- The trading volume of our common stock may not provide adequate volume for investors, and future sales of our common stock by stockholders or the perception that those sales could occur may cause our common stock price to decline.
- Our common stock price may be volatile, which could result in losses to our investors.
Legal proceedings
Periodically, there have been various claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. We are not a party to any pending legal proceedings that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.
The opening of Item 3, Legal Proceedings.3
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12SEC EDGARSteven Tsavaris, Chair
- 13SEC EDGARFrank Perez, Chief financial officer
- 14
- 15
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23SEC EDGARMarlene Cintron, Board member
- 24SEC EDGARJames C. Demetriou, Board member
- 25SEC EDGARJulio Gurman, Board member
- 26SEC EDGARMaria Alvarez, Board member
- 27SEC EDGARNick R. Lugo, Board member
- 28SEC EDGARJames Perez, Board member
- 29
- 30SEC EDGARShareholder vote; Other events
- 31
- 32
- 33
- 34
- 35SEC EDGAROther events
- 36
- 37SEC EDGARShareholder vote; Other events
- 38SEC EDGAROther events
- 39
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- 41NasdaqNasdaq calendar
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