Ponce Financial Group, Inc. (PDLB)
NASDAQ: PDLB · Real-Time Price · USD
20.20
+0.29 (1.46%)
Jul 24, 2026, 4:00 PM EDT - Market closed
Ponce Financial Group Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 2.16 | 2.15 | 2.03 | 2.07 | 2.85 | 2.98 |
Net Interest Income | 105.83 | 99.81 | 76.48 | 65.27 | 66.6 | 58.85 |
Net Interest Income Growth | 32.52% | 30.51% | 17.18% | -2.01% | 13.18% | 40.21% |
Other Revenues | 5.63 | 7.26 | 5.18 | 8.16 | 3.57 | 31.66 |
| 113.62 | 109.22 | 83.69 | 75.49 | 73.02 | 93.48 | |
Revenue Growth | 29.49% | 30.50% | 10.87% | 3.38% | -21.89% | 69.30% |
Cost of Revenue | 5.72 | 3.78 | 0.55 | 3.28 | 24.05 | 2.72 |
Gross Profit | 107.9 | 105.44 | 83.14 | 72.21 | 48.98 | 90.77 |
Selling, General & Admin | 61.02 | 61.52 | 60.76 | 62.24 | 55.29 | 48.69 |
Other Operating Expenses | 5.02 | 5.49 | 6.7 | 4.11 | 30.54 | 8.46 |
Operating Income | 41.86 | 38.43 | 15.69 | 5.85 | -36.85 | 33.62 |
Pretax Income | 41.82 | 38.43 | 15.69 | 5.85 | -36.85 | 33.62 |
Provision for Income Taxes | 10.46 | 9.73 | 4.71 | 2.5 | -6.85 | 8.21 |
Net Income | 31.37 | 28.7 | 10.97 | 3.35 | -30 | 25.42 |
Net Income Attributable to Preferred Dividends | 1.13 | 1.13 | 0.64 | - | - | - |
Net Income to Common | 30.24 | 27.58 | 10.33 | 3.35 | -30 | 25.42 |
Net Income Growth | 122.40% | 166.87% | 208.29% | - | - | 559.62% |
Shares Outstanding (Basic) | 23 | 23 | 22 | 23 | 23 | 17 |
Shares Outstanding (Diluted) | 23 | 23 | 23 | 23 | 23 | 17 |
Shares Change | 2.16% | 2.26% | -1.19% | 0.58% | 35.13% | 0.65% |
EPS (Basic) | 1.32 | 1.21 | 0.46 | 0.15 | -1.32 | 1.52 |
EPS (Diluted) | 1.30 | 1.20 | 0.46 | 0.15 | -1.32 | 1.51 |
EPS Growth | 113.12% | 160.87% | 206.67% | - | - | 556.52% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Free Cash Flow | 0.52 | 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 | 0.02 | 2.37 | 0.20 | 0.27 | 0.41 | 0.86 |
Gross Margin | 94.96% | 96.54% | 99.34% | 95.65% | 67.07% | 97.09% |
Operating Margin | 36.84% | 35.19% | 18.74% | 7.75% | -50.46% | 35.97% |
Profit Margin | 27.61% | 26.28% | 13.11% | 4.44% | -41.08% | 27.19% |
FCF Margin | 0.46% | 50.00% | 5.37% | 8.06% | 12.75% | 15.38% |
EBITDA | 46.7 | 43.25 | 20.42 | 10.38 | -32.58 | 36.1 |
EBITDA Margin | 41.10% | 39.60% | 24.40% | 13.75% | -44.62% | 38.61% |
EBIT | 41.86 | 38.43 | 15.69 | 5.85 | -36.85 | 33.62 |
EBIT Margin | 36.84% | 35.19% | 18.74% | 7.75% | -50.46% | 35.97% |
Effective Tax Rate | 25.00% | 25.31% | 30.05% | 42.73% | 18.58% | 24.41% |