What is Ponce Financial Group, Inc.'s Shariah compliance score?

Ponce Financial Group, Inc.'s (PDLB) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Ponce Financial Group, Inc. pass AAOIFI screening?

Ponce Financial Group, Inc. (PDLB) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (PDLB: 127.7%), (3) interest-bearing deposits below 30% (PDLB: 44.6%), and (4) prohibited income below 5% (PDLB: 95.5%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Ponce Financial Group, Inc. stock?

Ponce Financial Group, Inc. (PDLB) has a non-permissible income ratio of 95.48%. Muslim investors should purify this percentage of any dividends received and capital gains realized from PDLB shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Ponce Financial Group, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Ponce Financial Group, Inc. (PDLB) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PDLB's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

PDLB: Is Ponce Financial Group, Inc. Halal?

Ponce Financial Group, Inc.

NASDAQFinancial ServicesUS

$19.90

+0.05%

Market Cap: 481.3M

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Ponce Financial Group, Inc. (PDLB) halal? Not Halal. Based on AAOIFI screening, Ponce Financial Group, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

127.7% of 30.0% limit

What this means for you

Most scholars advise not holding PDLB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Ponce Financial Group, Inc.

Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jersey—one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Sprott Physical Silver Trust

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$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

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Free · No credit card required

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Frequently Asked Questions

Is Ponce Financial Group, Inc. (PDLB) halal to invest in?

Ponce Financial Group, Inc. (PDLB) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Ponce Financial Group, Inc. get a F compliance rating?

Ponce Financial Group, Inc. (PDLB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 127.7% (limit 30%); interest-bearing deposits of 44.6% (limit 30%); prohibited income of 95.48% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Ponce Financial Group, Inc.'s Shariah verdict?

Ponce Financial Group, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Ponce Financial Group, Inc. re-screened for Shariah compliance?

Ponce Financial Group, Inc. (PDLB) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.