Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Transaction-Based Revenues	2.09	2.03	2.07	2.85	2.98	1.87
Net Interest Income	86.38	76.48	65.27	66.6	58.85	41.97
Net Interest Income Growth	22.59%	17.18%	-2.01%	13.18%	40.21%	10.06%
Other Revenues	4.62	5.18	8.16	3.57	31.66	11.38
Revenue	93.09	83.69	75.49	73.02	93.48	55.22
Revenue Growth (YoY)	20.61%	10.87%	3.38%	-21.89%	69.30%	35.28%
Gross Profit	93.09	83.69	75.49	73.02	93.48	55.22
Selling, General & Admin	59.46	59.13	60.77	54.58	48.69	42.52
Other Operating Expenses	6.22	9.28	11.83	19.41	11.17	7.46
Operating Income	27.42	15.28	2.89	-0.97	33.62	5.24
Pretax Income	23.51	15.69	5.85	-36.85	33.62	5.24
Provision for Income Taxes	6.08	4.71	2.5	-6.85	8.21	1.38
Net Income	16.3	10.33	3.35	-30	25.42	3.85
Net Income Attributable to Preferred Dividends	1.13	0.64	-	-	-	-
Net Income to Common	16.3	10.33	3.35	-30	25.42	3.85
Net Income Growth	88.67%	208.29%	-	-	559.62%	-
Shares Outstanding (Basic)	23	22	23	23	17	17
Shares Outstanding (Diluted)	23	23	23	23	17	17
Shares Change (YoY)	1.91%	-1.19%	0.58%	35.13%	0.65%	-
EPS (Basic)	0.72	0.46	0.15	-1.32	1.52	0.23
EPS (Diluted)	0.71	0.46	0.15	-1.32	1.51	0.23
EPS Growth	77.50%	206.67%	-	-	556.52%	-
Free Cash Flow	26.29	4.49	6.08	9.31	14.38	-29.4
Free Cash Flow Growth	484.91%	-26.11%	-34.65%	-35.29%	-	-
Free Cash Flow Per Share	1.15	0.20	0.27	0.41	0.86	-1.76
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	29.45%	18.26%	3.83%	-1.32%	35.97%	9.48%
Profit Margin	18.72%	13.11%	4.44%	-41.08%	27.19%	6.98%
FCF Margin	28.24%	5.37%	8.06%	12.75%	15.38%	-53.25%
EBITDA	32.32	20.02	7.42	3.3	36.1	7.75
EBITDA Margin	34.72%	23.92%	9.83%	4.52%	38.61%	14.04%
EBIT	27.42	15.28	2.89	-0.97	33.62	5.24
EBIT Margin	29.45%	18.26%	3.83%	-1.32%	35.97%	9.48%
Effective Tax Rate	25.88%	30.05%	42.73%	18.58%	24.41%	26.40%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Capital Markets template. Financial Sources.

SEC Filings: 10-K · 10-Q