PDLB Ponce Financial Group, Inc. Common Stock

XNAS 20.51 Delayed
Find condors

Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

PDLB $20.51 —
Key stats
$20.51
52-Week Range
$13.91 – $21.10
YTD
+27.39%
IV Rank (30D)
58.55
Straddle Price
$4.90
P/C Vol Ratio
0.00
Market Cap
$0.5B
Open
$20.30
Day Range
$20.30 – $20.58
Volume
14,387
Prev Close
$20.47
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.12%
Beta vs SPY0.64
Cost of Equity (CAPM)8.34% (VRP-adj)
WACC6.46%
Volatility Risk Premium+55.7pp (IV − HV30)
Effective Tax Rate24.8%
Rev. Growth (YoY, DCF input)-10.0%
DCF Horizon10 years explicit + fade
Free Cash Flow (TTM)$0.1B
Return on Equity (TTM)4.1%
Book / Price117.8% — banking bias active (P/B is primary)
Bank Quality Adj×0.50 (target ROE vs peer median)
Gross Margin (TTM)100.0%
FCF Margin (TTM)65.1%
Debt / Equity1.11
Quality Score3/6 — normal (10y DCF)
Market-Implied Growth-2.6% (reverse-DCF on current price)
SMA 50$20.30 (Market Anchor value)
SMA 20 / Bollinger Mid$20.16
Bollinger Width / SMA2013.5% (drives anchor stability)
Net Debt$0.6B
Market Cap$0B
Peers used for multiples: CCBG, CTO, FISI, HTB, IBCP, ORRF, WASH (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
39%
20-Day Fair Value
≈ by Nov 23, 2026
$20.49
α -0.2% rank 27%
conviction
12%
40-Day Fair Value
≈ by Dec 22, 2026
$20.59
α +0.4% rank 34%
conviction
9%
60-Day Fair Value
≈ by Jan 20, 2027
$20.73
α +1.0% rank 29%
conviction
39%
MethodImplied PriceWeightDetail
DCF $2.79 28%
DDM (Gordon) n/a 0%
Peer P/E $5.95 8% median 12.1× · 7 peers
Peer EV/EBITDA n/a 0% median 10.6× · 7 peers
Peer P/B $32.08 13% median 1.3× · 7 peers
Peer P/S $4.74 4% median 2.5× · 7 peers
Market Anchor (SMA50) $20.30 46% stability 83% (BB-width)
Options Expected (B-L 30d) $20.16 0% 8 strikes · skew +0.09
As of 2026-10-23 · updated
About
Industry (SIC)
SAVINGS INSTITUTION, FEDERALLY CHARTERED (6035) · industry map
Exchange
XNAS
Market Cap
$0.5B
Employees
216
List Date
2017-10-02
CIK
0001874071
Next Earnings
2026-10-23 (After-Close)
EPS Forecast
$9.40 (1 est.)
Headquarters
Bronx, NY
Homepage
https://www.poncebank.com

Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, which consists of securities issued by the U.S. Government and federal agencies and mortgage-backed securities issued by the United States government-s…

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-6.92%-26.25%-4.31%-4.63%1.45%4.22%-6.07%
Feb5.93%-1.21%-1.29%-6.77%-1.43%-4.13%-1.48%
Mar6.21%0.87%-14.30%0.34%-5.02%2.39%-1.58%
Apr-1.60%-0.38%-4.35%-6.51%1.26%3.31%-1.38%
May23.24%-8.90%6.16%10.77%3.88%7.27%7.07%
Jun-0.87%-2.33%10.00%0.00%3.83%5.84%2.74%
Jul-3.46%0.54%5.01%8.55%-0.35%-1.32%1.50%
Aug4.58%1.51%-16.68%17.88%6.69%-1.12%2.14%
Sep3.30%-1.82%-3.34%5.41%-1.14%0.10%0.42%
Oct6.89%0.98%1.30%-2.26%-3.42%2.14%*0.94%
Nov-2.52%3.78%16.45%13.27%13.29%--8.85%
Dec-0.89%-4.99%6.90%-1.52%4.47%--0.79%
Total35.59%-35.01%-3.57%35.87%24.63%19.71%12.87%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $20.17
SMA 50: $20.29
SMA 200: $18.57
Current: $20.52
EMA 12: $20.24
EMA 26: $20.23
MACD: 0.0113 | Signal: 0.0442
BEARISH
ADX (14): 12.21
RANGE
+DI: 26.56
−DI: 14.07

Momentum Oscillators

RSI (14): 58.31
NEUTRAL
Stoch %K: 76.02
Stoch %D: 63.84
Williams %R: -8.45

Volume & Volatility

BB Upper: $20.48
BB Lower: $19.86
OVERBOUGHT
OBV: 2,211,585
Vol SMA 20: 81,234
Vol ROC: -70.89%
ATR: $0.32
True Range: $0.28
HV 20: 12.4%
HV 30: 12.6%
HV 60: 15.6%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-24T00:00:00 – 2026-10-22T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

Earnings History
5 of 5 under expected move
Avg Expected Move
17.61%
Avg Actual Move
0.88%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2025-07-25 After-Close 18.96% 0.07% 0.00x Within
2025-10-24 Pre-Market 24.67% 1.60% 0.06x Within
2026-01-27 After-Close 13.08% 0.84% 0.06x Within
2026-04-24 Pre-Market 12.26% 1.03% 0.08x Within
2026-07-24 After-Close 19.06% 0.84% 0.04x Within

Earnings calendar: this week’s reports with expected vs actual moves →

PDLB Options Activity & IV Rank

PDLB IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 81.6%
7-DTE IV: —
Expected Move: $4.90
7-DTE Move: $4.90
Days to Exp: 28 (2026-11-20)

Options Flow

Call Volume: 4
Put Volume: 0
P/C Volume: —
BULLISH
Call OI: 14
Put OI: 0
P/C OI: —
Total OI: 14

ATM Options Pricing

ATM Call: $2.45
ATM Put: $2.45
Call %: 11.9%
Put %: 11.9%

Chain Summary

Chain Volume: 490
Chain OI: 510
Last Updated: 10/23/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Dealer Positioning
TYPICAL γ

Estimated net dealer gamma is at the 28th percentile of this name's own daily history, within its typical range. This describes current positioning; it is not a forecast or a trading signal.

Gamma percentile
28%
vs own history
GEX tilt
+1.00
OI-weighted, today
Vanna tilt
+0.94
δ-sensitivity to IV
Charm tilt
-0.88
δ-decay vs time
Vanna tilt +0.94: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.88: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 3 ATM contracts, 1k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
No data
30 DTE / 10d —
— pts EXTREME
ATM 36.8% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)58.5MediumOct 23
Straddle Price (30 DTE)$4.90Oct 23
Beta Analysis

Risk Metrics

Beta: 0.5133
Alpha: 31.01%
Correlation: 0.3000
R-Squared: 9.0%
Stock Volatility: 21.8%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own PDLB
2 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$4.6M
0.01%
#1510 of 3138-4.5%13F
Citadel Hedge fund
Ken Griffin
$1.1M
0.00%
#3536 of 6285-32.9%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

PDLB Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 23,258,896 (as of 2026-06-30)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

91 filers12,720,251 shares$248.45M value54.69% of float
# Filer Shares Value % of Total % of Float Period
1 T. Rowe Price Investment Management, Inc. 1,912,897 $38.14M 15.35% 8.22% 2026-06-30
2 BlackRock, Inc. Custodian 1,735,395 $34.60M 13.93% 7.46% 2026-06-30
3 M3F, Inc. 1,698,960 $33.88M 13.64% 7.30% 2026-06-30
4 Dimensional Fund Advisors LP Custodian 954,536 $19.03M 7.66% 4.10% 2026-06-30
5 Vanguard Group Inc Custodian 1,114,006 $18.21M 7.33% 4.79% 2025-12-31
6 Vanguard Capital Management LLC 877,782 $17.50M 7.04% 3.77% 2026-06-30
7 Bank of America Corp Custodian 508,102 $10.13M 4.08% 2.18% 2026-06-30
8 Geode Capital Management, LLC Custodian 496,282 $9.90M 3.98% 2.13% 2026-06-30
9 State Street Corp 380,812 $7.59M 3.06% 1.64% 2026-06-30
10 AllianceBernstein L.P. 358,482 $5.99M 2.41% 1.54% 2026-06-30
11 American Century Companies, Inc. 234,908 $4.68M 1.89% 1.01% 2026-06-30
12 RENAISSANCE TECHNOLOGIES LLC 231,135 $4.61M 1.86% 0.99% 2026-06-30
13 MANGROVE PARTNERS IM, LLC 191,343 $3.82M 1.54% 0.82% 2026-06-30
14 First Pacific Advisors, LP 181,562 $3.62M 1.46% 0.78% 2026-06-30
15 Northern Trust Corp Custodian 162,592 $3.24M 1.30% 0.70% 2026-06-30
16 Marshall Wace, LLP Custodian 151,268 $3.02M 1.21% 0.65% 2026-06-30
17 Vanguard Fiduciary Trust Co 139,750 $2.79M 1.12% 0.60% 2026-06-30
18 Vanguard Portfolio Management LLC 135,780 $2.71M 1.09% 0.58% 2026-06-30
19 Connor, Clark & Lunn Investment Management Ltd. 130,000 $2.59M 1.04% 0.56% 2026-06-30
20 Empirical Finance, LLC 114,179 $2.28M 0.92% 0.49% 2026-06-30
21 ALGERT GLOBAL LLC 89,948 $1.79M 0.72% 0.39% 2026-06-30
22 Goldman Sachs Group Inc Custodian 63,167 $1.26M 0.51% 0.27% 2026-06-30
23 Charles Schwab Investment Management, Inc. 60,801 $1.21M 0.49% 0.26% 2026-06-30
24 Citadel Advisors LLC Custodian 57,539 $1.15M 0.46% 0.25% 2026-06-30
25 Bank of New York Mellon Corp Custodian 54,884 $1.09M 0.44% 0.24% 2026-06-30
1 filers$1.53M notional
# Filer Notional Value % of Total Period
1 Citadel Advisors LLC Custodian $1.53M 100.00% 2026-06-30
# Filer Notional Value % of Total Period

PDLB Insider Trading (Form 4)

Latest: 2026-02-13
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-02-13 Ioannis Kouzilos EVP & Chief Lending Officer Mixed — $14.15 -$58.2K EDGAR
2026-02-10 Melissa Antonia DeLeon Chief Human Resources Officer Award (A) +5,000 — EDGAR
2026-02-10 Betty Yolainy Campiz EVP and Chief Banking Officer Award (A) +10,000 — EDGAR
2026-01-26 Luis Gerardo Gonzalez Jr. Chief Operating Officer Award (A) +5,000 — EDGAR
2026-01-26 Steven Tsavaris Executive Chairman Award (A) +15,000 — EDGAR
2026-01-26 Sergio Javier Vaccaro Chief Financial Officer Award (A) +10,000 — EDGAR
2026-01-26 Carlos P Naudon President & CEO Award (A) +15,000 — EDGAR
2026-01-26 Madeline V. Marquez Chief External Affairs Officer Grant (A) +10,000 opt — EDGAR
2026-01-26 Ioannis Kouzilos EVP & Chief Lending Officer Award (A) +5,000 — EDGAR
2025-12-10 Madeline V. Marquez Chief External Affairs Officer Tax (F) −121 $15.72 -$1.9K EDGAR
2025-02-06 Ioannis Kouzilos EVP & Chief Lending Officer Award (A) +5,000 — EDGAR
2025-02-06 Sergio Javier Vaccaro Chief Financial Officer Award (A) +5,000 — EDGAR
2025-02-06 Luis Gerardo Gonzalez Jr. Chief Operating Officer Award (A) +5,000 — EDGAR
2025-02-06 Madeline V. Marquez Chief External Affairs Officer Grant (A) +5,000 opt — EDGAR
2024-12-11 Madeline V. Marquez Chief External Affairs Officer Tax (F) −121 $12.98 -$1.6K EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

PDLB Insider Holdings

8 insiders · @ $20.52
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Steven Tsavaris Executive Chairman 544,258 $11.17M $59.4K 5 2026-01-26
2 Carlos P Naudon President & CEO 493,743 $10.13M $330.0K 9 2026-01-26
3 Sergio Javier Vaccaro Chief Financial Officer 62,660 $1.29M $92.4K 4 2026-01-26
4 Ioannis Kouzilos EVP & Chief Lending Officer 49,431 $1.01M -$183.7K 5 2026-02-13
5 Luis Gerardo Gonzalez Jr. Chief Operating Officer 33,171 $680.7K $17.1K 8 2026-01-26
6 Betty Yolainy Campiz EVP and Chief Banking Officer 25,462 $522.5K $0 1 2026-02-10
7 Melissa Antonia DeLeon Chief Human Resources Officer 11,512 $236.2K $0 1 2026-02-10
8 Madeline V. Marquez Chief External Affairs Officer 9,495 $194.8K $0 8 2026-01-26
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

PDLB Board & Officers

As of SEC filings through Mar 31, 2026

Directors 5

Officers 8

Changes in the last 10 years (23)
Mar 26, 2026Marlene Cintron became a director
Jan 22, 2026Melissa Antonia DeLeon became Chief Human Resources Officer
Jan 22, 2026Betty Yolainy Campiz became EVP and Chief Banking Officer
Dec 11, 2023Ioannis Kouzilos listed as EVP & Chief Lending Officer (previously Chief Lending Officer) in SEC filings
Jun 6, 2022Sergio Javier Vaccaro became Chief Financial Officer
May 31, 2022The company announced the departure of Frank Perez as Chief Financial Officer in an SEC filing
Apr 1, 2022Luis Gerardo Gonzalez Jr. became Chief Operating Officer
Mar 17, 2022James Perez became a director
Jan 27, 2022William Feldman became a director
Jan 27, 2022Steven Tsavaris became a director
Jan 27, 2022Steven Tsavaris became Executive Chairman
Jan 27, 2022Nick R. Lugo became a director
Jan 27, 2022Michael J. Lagoudis became Senior Vice President
Jan 27, 2022Maria Alvarez became a director
Jan 27, 2022Madeline V. Marquez became Chief External Affairs Officer
Jan 27, 2022Julio Gurman became a director
Jan 27, 2022James C. Demetriou became a director
Jan 27, 2022Ioannis Kouzilos became Chief Lending Officer
Jan 27, 2022Frank Perez became Chief Financial Officer
Jan 27, 2022Elizabeth Macias became Chief Information Officer
Not reported recently (7)
  • Nick R. Lugo · Last reported as a director in an SEC filing dated Jun 13, 2024
  • James C. Demetriou · Last reported as a director in an SEC filing dated Jun 13, 2024
  • Michael J. Lagoudis · Last reported as Senior Vice President in an SEC filing dated Dec 11, 2023
  • Elizabeth Macias · Last reported as Chief Information Officer in an SEC filing dated Dec 11, 2023
  • Julio Gurman · Last reported as a director in an SEC filing dated Dec 11, 2023
  • William Feldman · Last reported as a director in an SEC filing dated Dec 11, 2023
  • David Rodriguez · Last reported as Chief Relationship Officer in an SEC filing dated Dec 8, 2022
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
40 ETFs hold PDLB
25 shown · $63.56M total exposure · 0.01% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $12.4M — 2026-09-30
2 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.01% $9.7M $74.2B 2026-10-21
3 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.02% $7.7M $31.5B 2026-10-21
4 DFAT Dimensional US Targeted Value ETF Dimensional 0.02% $5.3M — 2026-10-21
5 VXF Vanguard Extended Market ETF Vanguard 0.01% $4.7M — 2026-09-30
6 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.03% $3.8M $13.9B 2026-10-21
7 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $3.7M — 2026-10-21
8 DFSV Dimensional US Small Cap Value ETF Dimensional 0.01% $2.8M — 2026-10-21
9 VTWO Vanguard Russell 2000 ETF Vanguard 0.01% $2.3M — 2026-09-30
10 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 0.70% $1.8M $264.3M 2026-10-21
11 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $1.8M — 2026-10-21
12 ITOT iShares Core S&P Total U.S. Stock Market ETF iShares (BlackRock) 0.00% $1.6M $96.2B 2026-10-21
13 DFMC Dimensional US Micro Cap ETF Dimensional 0.02% $1.3M — 2026-10-21
14 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.10% $1.2M $1.2B 2026-10-21
15 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.02% $766,258 $3.1B 2026-10-21
16 SMLV State Street® SPDR® US Small Cap Low Volatility Index ETF SPDR (State Street) 0.25% $615,097 $247.9M 2026-10-21
17 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $547,878 — 2026-10-21
18 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.03% $377,365 — 2026-09-30
19 RSSL Global X Russell 2000 ETF Global X 0.01% $200,033 — 2026-10-22
20 IWV iShares Russell 3000 ETF iShares (BlackRock) 0.00% $197,303 $20.4B 2026-10-21
21 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $177,496 — 2026-10-21
22 QABA First Trust NASDAQ® ABA Community Bank Index Fund First Trust 0.21% $177,476 $84.7M 2026-10-21
23 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.00% $99,700 — 2026-06-30
24 DFAU Dimensional US Core Equity Market ETF Dimensional 0.00% $92,964 $13.0B 2026-10-21
25 EES WisdomTree U.S. SmallCap Fund Nport 0.01% $89,710 — 2026-06-30
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
20.93
TTM Diluted EPS
$0.98
TTM Revenue
$88.47M
TTM Net Income
$22.78M
TTM Op. Cash Flow
$58.26M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q2 '262026-06-30$628.00K$8.21M$0.35$8.04M
Q1 '262026-03-31$45.41M$8.34M$0.36$13.88M
Q4 '252025-12-31$-118.67M$9.86M$0.43$34.94M
Q3 '252025-09-30$42.44M$6.23M$0.27$1.39M
Q2 '252025-06-30$422.00K$5.82M$0.25$6.17M
Q1 '252025-03-31$39.41M$5.68M$0.25$13.09M
Q4 '242024-12-31$41.44M$2.65M$0.12$22.87M
Q3 '242024-09-30$35.72M$2.15M$0.10$-14.56M
Q2 '242024-06-30$33.89M$3.12M$0.14$-2.55M
Q1 '242024-03-31$34.15M$2.41M$0.11$1.46M
Q4 '232023-12-31$32.90M$518.00K$0.03$-856.00K
Q3 '232023-09-30$27.57M$2.59M$0.12$7.06M
Q2 2026 • period ending 2026-06-30 • filed 2026-08-05
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
20.93
P/B
0.85
P/S
5.39
EV/EBITDA
27.30
EV/Sales
12.12
ROE
4.1%
ROA
0.7%
Div Yield
0.23%
FCF Yield
12.21%
Debt/Equity
1.11
Current Ratio
—
Market Cap
$477.04M
as of 2026-10-23
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
494.65K
SI % of Float
2.55%
Days to Cover
5.47
Short Vol Ratio
41.1%
Free Float
19.39M
Float %
80.2%
Short interest 2026-09-30 • Short volume 2026-10-22 • Float 2026-09-22