Ponce Financial Group, Inc. (PDLB)

NASDAQ: PDLB · Real-Time Price · USD

16.93

+0.03 (0.18%)

At close: Apr 2, 2026, 4:00 PM EDT

16.91

-0.02 (-0.12%)

After-hours: Apr 2, 2026, 4:10 PM EDT

Ponce Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Transaction-Based Revenues	2.15	2.03	2.07	2.85	2.98
Net Interest Income	99.81	76.48	65.27	66.6	58.85
Net Interest Income Growth	30.51%	17.18%	-2.01%	13.18%	40.21%
Other Revenues	7.26	5.18	8.16	3.57	31.66
Revenue	109.22	83.69	75.49	73.02	93.48
Revenue Growth (YoY)	30.50%	10.87%	3.38%	-21.89%	69.30%
Cost of Revenue	3.78	0.55	3.28	24.05	2.72
Gross Profit	105.44	83.14	72.21	48.98	90.77
Selling, General & Admin	61.52	60.76	62.24	55.29	48.69
Other Operating Expenses	5.49	6.7	4.11	30.54	8.46
Operating Income	38.43	15.69	5.85	-36.85	33.62
Pretax Income	38.43	15.69	5.85	-36.85	33.62
Provision for Income Taxes	9.73	4.71	2.5	-6.85	8.21
Net Income	27.58	10.33	3.35	-30	25.42
Net Income Attributable to Preferred Dividends	1.13	0.64	-	-	-
Net Income to Common	27.58	10.33	3.35	-30	25.42
Net Income Growth	166.87%	208.29%	-	-	559.62%
Shares Outstanding (Basic)	23	22	23	23	17
Shares Outstanding (Diluted)	23	23	23	23	17
Shares Change (YoY)	2.26%	-1.19%	0.58%	35.13%	0.65%
EPS (Basic)	1.21	0.46	0.15	-1.32	1.52
EPS (Diluted)	1.20	0.46	0.15	-1.32	1.51
EPS Growth	160.87%	206.67%	-	-	556.52%
Shares Outstanding	24.14	23.96	23.79	24.86	17.43
Free Cash Flow	54.62	4.49	6.08	9.31	14.38
Free Cash Flow Growth	1115.31%	-26.11%	-34.65%	-35.29%	-
Free Cash Flow Per Share	2.37	0.20	0.27	0.41	0.86
Gross Margin	96.54%	99.34%	95.65%	67.07%	97.09%
Operating Margin	35.19%	18.74%	7.75%	-50.46%	35.97%
Profit Margin	26.28%	13.11%	4.44%	-41.08%	27.19%
FCF Margin	50.00%	5.37%	8.06%	12.75%	15.38%
EBITDA	43.25	20.42	10.38	-32.58	36.1
EBITDA Margin	39.60%	24.40%	13.75%	-44.62%	38.61%
EBIT	38.43	15.69	5.85	-36.85	33.62
EBIT Margin	35.19%	18.74%	7.75%	-50.46%	35.97%
Effective Tax Rate	25.31%	30.05%	42.73%	18.58%	24.41%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Capital Markets template. Financial Sources.

SEC Filings: 10-K · 10-Q