Ponce Financial Group Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
1analyst covering
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 23 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly361.0%Target: 3.50% by 2028
Net Loans Receivable Quarterly2.7BTarget: Continued expansion in CRE and non-residential loans
Total Capital to Risk-Weighted Assets Quarterly23.7Target: Maintain strong capitalization above regulatory well-capitalized thresholds
Deep Impact Lending Ratio Quarterly8,200.0%Target: Average of at least 60% of total loan originations qualifies as Deep Impact Lending over any 16 consecutive quarters in the first 10 years from issuance
Watch Items
- ECIP Preferred Stock RepurchaseTrigger: Reaching 16 consecutive quarters of >60% deep impact loans (expected as early as Q3 2026)Action: Monitor regulatory filings and capital structure adjustments for the repurchase of $225 million in preferred shares at a steep discount.
- Loan-to-Deposit Ratio and Liquidity RiskTrigger: Elevated loan-to-deposit ratio relative to peersAction: Track core deposit growth initiatives, digital deposit inflows via Ponce Bank Direct, and reliance on FHLB advances.
- Credit Quality and Provision for Credit LossesTrigger: Deterioration in low-income household and SMB client fiscal healthAction: Review quarterly provisions for credit losses and non-performing asset ratios.
Research as of 19 Jun 2026