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Financials · PDLB

Ponce Financial Group Inc. (PDLB) financials

For the twelve months ended Jun 30, 2026, Ponce Financial Group Inc. reported $120.01M of revenue and $33.76M of net income.

Revenue, TTM
$120.01M
Revenue growth, YoY
+27.6%
Net income, TTM
$33.76M
Net income growth, YoY
+93.8%
Net margin
28.1%
Free cash flow, TTM
$57.57M
EPS, diluted, TTM
$1.41
EPS growth, YoY
+98.6%
Cash
$140.01M
Total debt
$621.10M
P/E
15.89
P/S
4.47
Market cap
$536.5M
Annual revenue$109.22M
FY2019FY2025
Annual net income$28.70M
FY2019FY2025
Annual free cash flow$54.62M
FY2019FY2025

PDLB revenue and earnings growth

PDLB revenueQ2 2026$31.59M

Quarter YoY
+19.3%
QoQ
+4.4%
FY YoY
+30.5%
5Y CAGR
+14.6%

PDLB revenue was $31.59M in fiscal Q2 2026 (ended Jun 30, 2026), up 19.3% from a year earlier and up 4.4% from the prior quarter. For the full fiscal 2025 it was $109.22M, up 30.5% from fiscal 2024. Compound annual growth was +14.6% over 5 years. It rose in 5 of the last 6 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.

PDLB net incomeQ2 2026$8.49M

Quarter YoY
+39.3%
QoQ
-1.5%
FY YoY
+161.6%
5Y CAGR
+49.4%

PDLB net income was $8.49M in fiscal Q2 2026 (ended Jun 30, 2026), up 39.3% from a year earlier and down 1.5% from the prior quarter. For the full fiscal 2025 it was $28.70M, up 161.6% from fiscal 2024. Compound annual growth was +49.4% over 5 years. Fiscal 2025 is the highest of the 7 fiscal years on file.

PDLB EPSQ2 2026$0.35

Quarter YoY
+40.0%
QoQ
-2.8%
FY YoY
+160.9%
5Y CAGR
+39.2%

PDLB diluted EPS was $0.35 in fiscal Q2 2026 (ended Jun 30, 2026), up 40.0% from a year earlier and down 2.8% from the prior quarter. For the full fiscal 2025 it was $1.20, up 160.9% from fiscal 2024. Compound annual growth was +39.2% over 5 years.

PDLB free cash flowQ2 2026$8.04M

Quarter YoY
+35.8%
QoQ
-41.9%
FY YoY
12x

PDLB free cash flow was $8.04M in fiscal Q2 2026 (ended Jun 30, 2026), up 35.8% from a year earlier and down 41.9% from the prior quarter. For the full fiscal 2025 it was $54.62M, up about 12-fold from fiscal 2024. It rose in 1 of the last 4 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Revenue$109.22M$83.69M$75.49M$73.02M$93.48M$55.22M$40.82M
Interest expense$85.70M$86.20M$60.60M$16.15M$8.25M$11.37M$12.36M
Pre-tax income$38.43M$15.69M$5.85M-$36.85M$33.62M$5.24M-$6.05M
Income tax$9.73M$4.71M$2.50M-$6.84M$8.21M$1.38M-$924.0K
Net income$28.70M$10.97M$3.35M-$30.00M$25.41M$3.85M-$5.13M
EPS, basic$1.21$0.46$0.15-$1.32$1.52$0.23-$0.29
EPS, diluted$1.20$0.46$0.15-$1.32$1.51$0.23-$0.29
Diluted shares23.1M22.6M22.8M22.7M16.8M16.7M17.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Cash and equivalents$126.15M$139.84M$139.19M$54.36M$153.89M$72.08M$27.68M
Total assets$3.22B$3.04B$2.75B$2.31B$1.65B$1.36B-
Total debt$596.10M$596.10M$684.42M$517.38M---
Total liabilities$2.68B$2.53B$2.26B$1.82B$1.46B$1.20B-
Shareholders' equity$541.55M$505.50M$491.39M$492.70M$189.26M$159.54M$158.40M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Operating cash flow$55.59M$7.21M$6.49M$9.80M$18.55M-$27.50M$5.05M
Capital expenditures$978.0K$2.72M$411.0K$492.0K$4.17M$1.90M$3.82M
Free cash flow$54.62M$4.49M$6.08M$9.31M$14.38M-$29.40M$1.23M
Investing cash flow-$219.72M-$294.90M-$332.91M-$777.06M-$211.14M-$204.60M-$38.67M
Financing cash flow$150.44M$288.33M$411.25M$667.73M$274.40M$276.50M-$8.48M
Share repurchases--$11.01M-$1.61M$4.71M$15.76M
Stock-based compensation$1.93M$2.07M$1.89M$1.57M$1.41M$1.40M$1.26M
Depreciation and amortization$4.82M$4.74M$4.53M$4.27M$2.47M$2.52M$2.22M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
Revenue growth, YoY30.5%10.9%3.4%-21.9%69.3%35.3%-
Net income growth, YoY161.6%227.3%--559.6%--
EPS growth, YoY160.9%206.7%--556.5%--
Net margin26.3%13.1%4.4%-41.1%27.2%7.0%-12.6%
Free cash flow margin50.0%5.4%8.1%12.7%15.4%-53.2%3.0%
Return on equity5.3%2.2%0.7%-6.1%13.4%2.4%-3.2%
Return on assets0.9%0.4%0.1%-1.3%1.5%0.3%-
Debt to equity1.101.181.391.05---

Source: XBRL data Ponce Financial Group Inc. files with the SEC, latest filing dated Aug 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PDLB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PDLB$120.01M+27.6%$33.76M28.1%$536.5M
HSBC$68.27B+3.7%$23.13B33.9%$306.84B
AX$1.55B+23.0%$507.67M32.7%$5.36B
EBC$1.12B+61.3%$376.13M33.5%$5.33B
TFSL$343.73M+10.5%$102.06M29.7%$4.69B
PFS$907.32M+8.1%$312.71M34.5%$3.24B
BKU$1.12B+6.8%$273.65M24.4%$3.20B
CFFN$229.25M+19.4%$82.83M36.1%$1.10B

PDLB FAQ

8 questions
  • What is PDLB revenue?
    Ponce Financial Group Inc. (PDLB) reported $120.01M of revenue for the twelve months ended Jun 30, 2026. That is up 27.6% from the year before. Revenue for fiscal 2025 was $109.22M.
  • Is PDLB profitable?
    Yes. Ponce Financial Group Inc. earned $33.76M in net income for the twelve months ended Jun 30, 2026, a net margin of 28.1%.
  • How much cash and debt does PDLB have?
    Ponce Financial Group Inc. reported $140.01M in cash and cash equivalents and $621.10M of debt on its most recent balance sheet in SEC filings.
  • How fast is PDLB revenue growing?
    Ponce Financial Group Inc.'s revenue changed +30.5% in fiscal 2025, to $109.22M. Its compound annual growth rate was +14.6% over 5 years.
  • What is PDLB free cash flow?
    Ponce Financial Group Inc. generated $57.57M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $58.26M less capital expenditures.
  • What is PDLB earnings per share?
    Diluted earnings per share were $1.41 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PDLB last report financial results?
    The latest statements here come from Ponce Financial Group Inc.'s 10-Q filed on Aug 5, 2026, covering the period ended Jun 30, 2026.
  • Where does this PDLB financial data come from?
    Quantisnow builds these statements from the structured XBRL data Ponce Financial Group Inc. files with the SEC. It is provided for information only and is not investment advice.