Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	1.33	0.97	24.05	2.72
Gross Profit	105.44	82.36	74.52	48.98	90.77
Selling, General & Admin	61.52	60.76	62.24	55.29	48.69
Other Operating Expenses	5.49	5.92	6.42	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%
Free Cash Flow	0	4.49	6.08	9.31	14.38
Free Cash Flow Growth	-	-26.11%	-34.65%	-35.29%	-
Free Cash Flow Per Share	-	0.20	0.27	0.41	0.86
Gross Margin	96.54%	98.41%	98.71%	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	0.00%	5.37%	8.06%	12.75%	15.38%
EBITDA	38.43	20.42	10.38	-32.58	36.1
EBITDA Margin	35.19%	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