Kouzilos Ioannis 4

4 · Ponce Financial Group, Inc. · Filed Jan 26, 2026

AI-generated summary of this filing

Updated Jan 27, 2026

Ponce Financial (PDLB) EVP Ioannis Kouzilos Receives Equity Awards

What Happened

Ioannis Kouzilos, EVP & Chief Lending Officer of Ponce Financial Group, was granted a total of 20,000 equity awards on January 22, 2026. That total includes 5,000 restricted stock units (RSUs) granted for no consideration and 15,000 derivative awards (stock options or similar) with exercise/pricing levels shown on the Form 4.
The derivative awards show per-share exercise/pricing levels of $16.88 (7,500 shares, $126,600) and five tranches of 1,500 shares each at $18.57, $18.91, $19.24, $19.58 and $19.92 (combined value reported ≈ $270,930 for the derivative tranches). The 5,000 RSUs were recorded with $0 purchase price (awarded, not bought).

Key Details

Transaction date: January 22, 2026; Form 4 filed January 26, 2026.
Grants: 5,000 RSUs (no cash); 15,000 derivative awards with listed per-share prices and total reported derivative value ≈ $270,930.
Vesting notes from the filing:
- RSUs (F1) vest 20% per year beginning Jan 22, 2027.
- Additional previously awarded RSUs referenced (F2, F3) have staggered vesting dates in Dec and Feb as described in the footnotes.
- Stock options/derivative awards vest at 20% per year starting on listed commencement dates (F5–F7).
- F4 references ESOP allocations/dispositions since last report.
Shares owned after the transaction were not provided in the excerpt supplied.
Filing appears to report the Jan 22 grants on Jan 26 (the Form 4 filing date shown); the report does not indicate a late filing code in the information provided.

Context

These entries are grants/awards (transaction code A) — not open-market purchases or sales — and are typically compensation or retention awards rather than immediate buying/selling for investment exposure.
For retail investors: awards and option grants do not by themselves indicate the insider is buying stock on the open market; they reflect company compensation and will vest over time per the footnotes before the insider can sell (if exercised/settled).
No evidence in this filing of immediate exercise-and-sell (cashless exercise) or gifts.

Form 4

Period: 2026-01-22

EVP & Chief Lending Officer

Transactions

Award
Common Stock
[F1][F2][F3]
2026-01-22+5,000→ 37,077 total
Award
Stock options
[F5]
2026-01-22$16.88/sh+7,500$126,600→ 7,500 total
Exercise: $16.88From: 2027-01-22Exp: 2036-01-21→ Common Stock (7,500 underlying)
Award
Premium Stock Options
2026-01-22$18.57/sh+1,500$27,855→ 1,500 total
Exercise: $18.57From: 2027-01-22Exp: 2036-01-21→ Common Stock (1,500 underlying)
Award
Premium Stock Options
2026-01-22$18.91/sh+1,500$28,365→ 1,500 total
Exercise: $18.91From: 2028-01-22Exp: 2036-01-21→ Common Stock (1,500 underlying)
Award
Premium Stock Option
2026-01-22$19.24/sh+1,500$28,860→ 1,500 total
Exercise: $19.24From: 2029-01-22Exp: 2036-01-21→ Commonm Stock (1,500 underlying)
Award
Premium Stock Option
2026-01-22$19.58/sh+1,500$29,370→ 1,500 total
Exercise: $19.58From: 2030-01-22Exp: 2036-01-21→ Common Stock (1,500 underlying)
Award
Premium Stock Otpion
2026-01-22$19.92/sh+1,500$29,880→ 1,500 total
Exercise: $19.92From: 2031-01-22Exp: 2036-01-21→ Common Stock (1,500 underlying)

Holdings

Common Stock
[F4]
(indirect: By ESOP)
12,354
Premium Stock Options
Exercise: $10.33From: 2024-12-07Exp: 2033-12-06→ Common Stock (2,000 underlying)
2,000
Premium Stock Options
Exercise: $10.52From: 2025-12-07Exp: 2033-12-06→ Commomn Stock (2,000 underlying)
2,000
Premium Stock Options
Exercise: $10.70From: 2026-12-07Exp: 2033-12-06→ Common Stock (2,000 underlying)
2,000
Premium Stock Options
Exercise: $10.89From: 2027-12-07Exp: 2033-12-06→ Common Stock (2,000 underlying)
2,000
Premium Stock Options
Exercise: $11.08From: 2028-12-07Exp: 2036-01-21→ Common Stock (2,000 underlying)
2,000
Stock Options
[F6]
Exercise: $10.44From: 2023-04-01Exp: 2032-03-31→ Common Stock (4,833 underlying)
4,833
Non-Premium Stock Options
[F7]
Exercise: $13.31From: 2026-02-04Exp: 2035-02-03→ Common Stock (20,000 underlying)
20,000

Footnotes (7)

[F1]Shares of restricted stock units vest annually at a rate of 20% per year commencing on January 22, 2027 and were granted for no consideration.
[F2]Includes 5,000 shares of previously awarded restricted stock units, of which 1,666 shares vest on December 7, 2026, 1,667 shares vest on December 7, 2027 and 1,667 shares vest on December 7, 2028.
[F3]Includes 5,000 shares of previously awarded restricted stock units that vest annually at a rate of 20% per year commencing on February 4, 2026.
[F4]Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report
[F5]Stock options vest annually at a rate of 20% commencing on January 22, 2027
[F6]Stock Options vest annually at a rate of 20% per year commencing on April 1, 2023
[F7]Non-Premium Stock Options vest annually at a rate of 20% per year commencing on February 4, 2026

Signature

/s/Megan Foscaldi, as attorney in fact|2026-01-26

1 file