Welcome to our dedicated page for PONCE FINANCIAL GROUP SEC filings (Ticker: PDLB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Ponce Financial Group, Inc. (NASDAQ: PDLB) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a public financial holding company and bank holding company. Through these documents, investors can review how Ponce Financial Group reports the performance and condition of its primary asset, Ponce Bank, N.A., a savings institution with a focus on mortgage lending, business and consumer loans, and investment securities.
Key filings include periodic reports and current reports on Form 8-K. For example, Ponce Financial Group files 8-Ks to furnish press releases announcing quarterly financial results, summarizing metrics such as net income, net interest income, net interest margin, loan and deposit balances, non-interest income and expense, and asset quality ratios. The company also uses Form 8-K to report significant events, such as the conversion of Ponce Bank to a national bank and the company’s commencement of operations as a bank holding company and financial holding company.
These filings offer detail on topics that matter to bank investors, including capital ratios, allowance for credit losses, non-performing assets, and the composition of loans and securities. They also describe Ponce Bank’s status as a Minority Depository Institution, Community Development Financial Institution, and SBA lender, as well as its participation in programs like the U.S. Treasury’s Emergency Capital Investment Program.
On Stock Titan, PDLB filings are updated as they are released to the SEC’s EDGAR system. Users can review individual documents, track changes across reporting periods, and focus on items such as 8-K disclosures related to results of operations or other material events. AI-powered summaries help explain complex sections of lengthy filings, highlight key figures and trends, and point out changes in capital, asset quality, or regulatory status, making it easier to interpret Ponce Financial Group’s regulatory reporting.
Ponce Financial Group, Inc. has a large shareholder group reporting a significant passive stake. An investor group led by M3 Funds, LLC, M3 Partners, L.P., M3F, Inc., Jason A. Stock and William C. Waller has filed an amended Schedule 13G showing beneficial ownership of 1,855,981 shares of Ponce Financial common stock, representing 7.73% of the class as of 12/31/2025. All shares are held directly by M3 Partners, L.P., with M3 Funds, LLC as general partner and M3F, Inc. as investment adviser, while Stock and Waller may be deemed indirect beneficial owners. The filers certify the position is not held to change or influence control of the company.
Ponce Financial Group, Inc. filed a current report describing two investor-focused updates. The company issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, and furnished this release as Exhibit 99.1.
Ponce Financial also prepared an investor presentation for use with current and prospective investors after January 27, 2026. This presentation, furnished as Exhibit 99.2, will be made available at investor meetings and posted on the company’s website.
Ponce Financial Group Chief External Affairs Officer Madeline V. Marquez reported new stock option awards in a Form 4 dated 01/22/2026. She received a total of 10,000 derivative securities in the form of options on the company’s common stock.
The filing shows five grants of 1,000 Premium Stock Options each, with exercise prices of $18.57, $18.91, $19.24, $19.58, and $19.92, plus one grant of 5,000 Stock Options at an exercise price of $16.88, all classified as acquisitions and held directly. According to the footnotes, these stock options vest at a rate of 20% per year commencing on January 22, 2027, and previously issued Non-Premium Stock Options vest 20% per year commencing on February 4, 2026.
Ponce Financial Group executive vice president and chief lending officer Ioannis Kouzilos reported new equity awards in the company’s stock. On January 22, 2026, he received 5,000 shares of common stock in the form of restricted stock units at a price of $0, which vest 20% per year starting January 22, 2027. After this grant, he directly beneficially owned 37,077 shares of common stock, with an additional 12,354 shares held indirectly through an ESOP.
He was also granted a 7,500-share stock option with an exercise price of $16.88 and five separate 1,500‑share premium stock option awards with exercise prices of $18.57, $18.91, $19.24, $19.58, and $19.92. These options generally vest at 20% per year commencing January 22, 2027, giving him additional long-term, performance-linked exposure to Ponce Financial Group’s common stock.
Ponce Financial Group, Inc. Chief Financial Officer Sergio Javier Vaccaro reported new equity awards in the company. On January 22, 2026, he received 10,000 shares of common stock in the form of restricted stock units granted at $0, which vest 20% per year starting January 22, 2027.
He was also granted 10,000 non-premium stock options with an exercise price of $16.88, vesting 20% annually beginning January 22, 2027, along with five tranches of premium stock options of 2,000 shares each at exercise prices of $18.57, $18.91, $19.24, $19.58 and $19.92, vesting annually from 2027 through 2031. After these awards, he directly beneficially owns 60,000 shares of common stock, which include 21,000 previously awarded restricted stock units vesting between December 4, 2026 and December 4, 2028 and 5,000 restricted stock units vesting 20% per year starting February 4, 2026, plus 2,660 shares held indirectly through an ESOP.
Ponce Financial Group, Inc. Chief Operating Officer Luis Gerardo Gonzalez Jr. reported new equity awards dated January 22, 2026. He received 5,000 shares of common stock in the form of restricted stock units that were granted for no cash consideration and are scheduled to vest in five equal annual installments of 20% starting on January 22, 2027. Following this award, he directly reports beneficial ownership of 30,252 shares of common stock, plus 2,919 shares held indirectly through the ESOP.
On the same date he was granted 2,500 stock options with an exercise price of $16.88 per share, vesting 20% annually beginning January 22, 2027. He also holds multiple tranches of previously granted premium stock options with exercise prices between $10.33 and $19.92 and non‑premium stock options covering 20,000 shares, which vest 20% annually beginning February 4, 2026.
Ponce Financial Group, Inc. President & CEO Carlos P. Naudon reported new equity awards in the form of common stock and stock options. On January 22, 2026, he acquired 15,000 shares of common stock at a price of $0, increasing his directly held common stock to 473,743 shares, with additional indirect holdings through an IRA, Banking Spectrum Inc., and the ESOP.
On the same date he was granted multiple option awards, including five 1,500-share Premium Stock Options with exercise prices ranging from $18.57 to $19.92, and 7,500 stock options at an exercise price of $16.88, all held directly. Footnotes state that the 15,000-share restricted stock unit grant and the 7,500-share option grant each vest 20% per year beginning January 22, 2027, and that his holdings include 126,852 restricted stock units with scheduled vesting dates in 2026–2028.
Ponce Financial Group Executive Chairman Steven Tsavaris reported new equity awards in PDLB. On January 22, 2026, he acquired 15,000 shares of common stock at $0 per share, described as restricted stock units that vest 20% per year beginning January 22, 2027. Following this, he directly held 531,491 common shares, with additional indirect holdings through his wife and the ESOP.
Tsavaris also received multiple option grants. He was granted five tranches of Premium Stock Options, each for 1,500 shares with exercise prices ranging from $18.57 to $19.92, and 7,500 stock options at an exercise price of $16.88. These options generally vest 20% per year starting January 22, 2027, with expirations in 2036, adding to previously held option positions.
Ponce Financial Group (PDLB) reported stronger Q3 results. Net income for the quarter was $6.5 million vs. $2.4 million a year ago, and diluted EPS was $0.27 vs. $0.10. Net interest income rose to $25.2 million from $19.0 million as loan yields outpaced funding costs, while the provision for credit losses increased to $1.4 million from $0.5 million.
For the first nine months of 2025, net income reached $18.6 million vs. $8.0 million in 2024, with net interest income of $71.9 million vs. $55.8 million. The balance sheet expanded: assets were $3.16 billion and loans receivable, net were $2.49 billion as of September 30, 2025. Deposits rose to $2.06 billion, while borrowings decreased to $521.1 million. Accumulated other comprehensive loss improved to $(11.6) million.
Credit metrics were stable with the allowance for credit losses at $24.8 million. Nonaccrual and 90+ day loans totaled $23.5 million. The company continues to carry $225.0 million of ECIP preferred stock at a 0.5% dividend rate and has reported 13 consecutive quarters meeting both Deep Impact and Qualified Lending conditions.
Ponce Financial Group, Inc. (PDLB) furnished materials related to its third-quarter results. The company reported that it issued a press release covering financial results for the quarter ended September 30, 2025, and made an investor presentation available. Both materials were provided as exhibits and are designated as “furnished,” not “filed,” under the Exchange Act.
The company also noted it is scheduled to present to current and prospective investors after October 24, 2025, and the presentation will be posted on its website.