PDLB PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

PDLB ▲ +5.08% at T+20d

NEUTRAL call ✓ call won +5.08% · α vs SPY +1.06% · entry $17.71 → $18.61

Next anchor: T+60d in 6w

Last close $18.89 (close Jun 8) · +6.66% from $17.71 entry

Entry anchored
Apr 23, 03:59 PM ET
via Databento tick

T+1d

-0.73%

call -0.73% · α -0.90%

$17.58

settled 6w ago

T+5d

-1.41%

call -1.41% · α -2.32%

$17.46

settled 6w ago

T+20d

+5.08%

call +5.08% · α +1.06%

$18.61

settled 19d ago

T+60d

—

call — · α —

—

in 6w

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Executive Summary

Ponce Financial Group reported Q1 2026 earnings with diluted EPS of $0.36, down from $0.42 in the prior quarter but up 44% year-over-year from $0.25. Net interest income rose 27.13% YoY to $28.2 million, and net interest margin expanded to 3.61%, driven by balance sheet growth and improved asset yields.

Actionable Insight

The sequential decline in EPS and increase in provision for credit losses may pressure shares near-term, but strong YoY loan growth, margin expansion, and improving asset quality suggest underlying strength. Monitor next quarter’s guidance for confirmation of earnings trajectory.

Key Facts

EPS was $0.36 for Q1 2026, compared to $0.42 in Q4 2025 and $0.25 in Q1 2025
Net interest income increased 27.13% YoY to $28.2 million
Net interest margin improved to 3.61% from 2.98% in the same quarter last year
Non-performing assets declined to 62 bps of total assets from 88 bps a year ago
Loan portfolio grew by $99.4 million (3.82%) and deposits increased by $87.2 million (4.26%)

Financial Impact

EPS down 14.3% QoQ but up 44% YoY; net interest income up $6.0M or 27.13% YoY

epsnet_interest_incomenet_interest_marginloan_growthdeposit_growth

Risk Factors

Sequential decline in EPS from $0.42 to $0.36
Increase in provision for credit losses to $1.7M from $1.1M in prior quarter
Decline in non-interest income due to absence of prior-period grant income

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3280715

3 reports for PDLB

T+1T+5T+20T+60

Filters

Reports for PDLB — sortable, filterable
	Type				Now
Apr 24, 2026 6w ago	8-K MIXED ★ 5/10	$17.71 $18.61	▲ +5.08%	▲ +1.06%	$18.89 (+6.66%)
Apr 24, 2026 6w ago	Press Release MIXED ★ 6/10	$17.71 $18.61	▲ +5.08%	▲ +1.06%	$18.89 (+6.66%)
Apr 22, 2026 6w ago	DEFA14A NEUTRAL ★ 2/10	$17.45 $17.70	▲ +1.43%	▼ −1.73%	$18.89 (+8.25%)

US Market Status

Market Closed — Opens in 6h 56m

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