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Ponce Financial Group (PDLB) Financials

Ponce Financial Group logo
$20.11 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$20.12 +0.02 (+0.07%)
As of 07/2/2026 05:39 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Ponce Financial Group

Annual Income Statements for Ponce Financial Group

This table shows Ponce Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -5.13 3.85 25 -30 3.35 10 28
Consolidated Net Income / (Loss)		 -5.13 3.85 25 -30 3.35 11 29
Net Income / (Loss) Continuing Operations		 -5.13 3.85 25 -30 3.35 11 29
Total Pre-Tax Income 		-6.05 5.24 34 -37 5.85 16 38
Total Revenue		 41 55 93 73 75 84 109
Net Interest Income / (Expense)		 38 42 59 67 65 76 100
Total Interest Income		 50 53 67 83 126 163 186
Loans and Leases Interest Income		 49 52 66 70 96 131 163
Investment Securities Interest Income		 0.57 0.87 1.55 12 25 23 18
Deposits and Money Market Investments Interest Income		 0.62 0.08 0.02 0.71 4.97 8.67 4.66
Total Interest Expense		 12 11 8.25 16 61 86 86
Deposits Interest Expense		 11 8.75 5.67 9.95 35 59 65
Long-Term Debt Interest Expense		 1.85 2.62 2.58 6.20 25 27 21
Total Non-Interest Income		 2.68 13 35 6.42 10 7.21 9.41
Trust Fees by Commissions		 0.21 0.97 1.32 1.02 0.08 0.06 0.04
Other Service Charges		 2.47 3.98 7.78 5.09 5.39 5.96 7.07
Net Realized & Unrealized Capital Gains on Investments		 0.00 8.30 26 0.31 0.60 1.20 1.03
Other Non-Interest Income		 - - 0.00 0.00 4.16 0.00 1.29
Provision for Credit Losses		 0.26 2.44 2.72 24 3.28 0.55 3.78
Total Non-Interest Expense		 47 48 57 86 66 67 67
Salaries and Employee Benefits		 19 22 23 28 31 31 31
Net Occupancy & Equipment Expense		 9.19 12 14 18 20 19 21
Marketing Expense		 0.16 0.49 0.21 0.59 0.83 0.71 0.63
Property & Liability Insurance Claims		 0.41 0.55 0.59 0.87 1.02 1.10 1.25
Other Operating Expenses		 18 13 19 39 14 15 13
Income Tax Expense		 -0.92 1.38 8.21 -6.85 2.50 4.71 9.73
Preferred Stock Dividends Declared		 - - - 0.00 0.00 0.64 1.13
Basic Earnings per Share		 ($0.29) $0.23 $1.52 ($1.32) $0.15 $0.46 $1.21
Weighted Average Basic Shares Outstanding		 17.43M 16.67M 16.74M 22.69M 22.75M 22.43M 22.75M
Diluted Earnings per Share		 ($0.29) $0.23 $1.51 ($1.32) $0.15 $0.46 $1.20
Weighted Average Diluted Shares Outstanding		 17.43M 16.68M 16.79M 22.69M 22.82M 22.55M 23.06M
Weighted Average Basic & Diluted Shares Outstanding		 - - 24.72M 24.86M 23.79M 23.97M 24.16M

Quarterly Income Statements for Ponce Financial Group

This table shows Ponce Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.59 0.52 2.41 3.12 2.15 2.65 5.68 5.82 6.23 9.86 8.34
Consolidated Net Income / (Loss)		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
Net Income / (Loss) Continuing Operations		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
Total Pre-Tax Income 		4.32 0.96 3.76 4.39 3.07 4.47 7.98 7.99 8.76 14 11
Total Revenue		 22 18 21 20 20 23 25 26 27 31 30
Net Interest Income / (Expense)		 17 17 19 18 19 21 22 24 25 28 28
Total Interest Income		 34 35 40 39 41 43 44 46 47 49 49
Loans and Leases Interest Income		 25 28 31 31 33 36 37 40 41 44 44
Investment Securities Interest Income		 6.26 6.15 6.09 5.97 5.92 5.48 5.19 4.76 4.38 4.01 3.91
Deposits and Money Market Investments Interest Income		 1.97 0.99 2.91 1.54 2.43 1.78 1.67 0.81 0.98 1.21 0.77
Total Interest Expense		 17 18 21 21 22 22 22 21 22 21 20
Deposits Interest Expense		 10 11 13 14 15 17 16 16 17 16 15
Long-Term Debt Interest Expense		 6.96 6.94 7.92 7.14 6.83 5.58 5.49 4.99 5.05 5.08 5.39
Total Non-Interest Income		 5.63 1.29 1.71 2.26 1.15 2.10 2.38 2.06 1.49 3.48 2.04
Trust Fees by Commissions		 0.02 0.01 0.01 0.01 0.00 0.04 0.00 0.00 0.01 0.02 0.00
Other Service Charges		 1.72 0.59 1.40 1.98 0.93 1.65 1.83 1.46 0.89 2.89 1.92
Net Realized & Unrealized Capital Gains on Investments		 0.17 0.24 0.30 0.27 0.22 0.40 0.55 0.17 0.17 0.14 0.12
Provision for Credit Losses		 0.54 -0.38 -0.02 -0.87 0.54 1.10 -0.29 1.63 1.36 1.08 1.66
Total Non-Interest Expense		 17 18 17 17 17 17 17 17 17 17 17
Salaries and Employee Benefits		 7.57 8.26 7.84 7.72 7.67 7.67 7.78 7.63 7.87 8.11 8.66
Net Occupancy & Equipment Expense		 5.17 4.79 4.79 4.58 4.89 5.01 5.07 5.10 5.23 5.26 4.89
Marketing Expense		 0.25 0.15 0.10 0.15 0.18 0.29 0.08 0.27 0.18 0.09 0.23
Property & Liability Insurance Claims		 0.26 0.25 0.25 0.26 0.29 0.29 0.32 0.30 0.32 0.32 0.33
Other Operating Expenses		 4.08 4.45 3.80 3.93 3.54 4.01 3.65 3.58 3.02 2.85 3.13
Income Tax Expense		 1.73 0.44 1.35 1.20 0.64 1.53 2.02 1.89 2.25 3.57 2.75
Preferred Stock Dividends Declared		 0.00 - 0.00 0.08 0.28 - 0.28 0.28 0.28 0.28 0.28
Basic Earnings per Share		 $0.12 $0.02 $0.11 $0.14 $0.10 $0.11 $0.25 $0.26 $0.27 $0.43 $0.36
Weighted Average Basic Shares Outstanding		 22.27M 22.75M 22.35M 22.41M 22.45M 22.43M 22.66M 22.72M 22.77M 22.75M 22.99M
Diluted Earnings per Share		 $0.12 $0.02 $0.11 $0.14 $0.10 $0.11 $0.25 $0.25 $0.27 $0.43 $0.36
Weighted Average Diluted Shares Outstanding		 22.35M 22.82M 22.37M 22.42M 22.61M 22.55M 22.88M 22.95M 23.14M 23.06M 23.33M
Weighted Average Basic & Diluted Shares Outstanding		 23.65M 23.79M 23.81M 23.81M 23.83M 23.97M 23.98M 24.00M 24.00M 24.16M 24.19M

Annual Cash Flow Statements for Ponce Financial Group

This table details how cash moves in and out of Ponce Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -42 44 82 -100 85 0.65 -14
Net Cash From Operating Activities		 5.05 -28 19 9.80 6.49 7.21 56
Net Cash From Continuing Operating Activities		 5.05 -28 -19 9.80 6.49 7.21 56
Net Income / (Loss) Continuing Operations		 -5.13 3.85 25 -30 3.35 11 29
Consolidated Net Income / (Loss)		 -5.13 3.85 25 -30 3.35 11 29
Provision For Loan Losses		 0.26 2.44 2.72 24 0.97 1.33 3.78
Depreciation Expense		 2.22 2.52 2.47 4.27 4.53 4.74 4.82
Amortization Expense		 0.04 0.01 0.12 0.34 -0.12 -0.12 -0.06
Non-Cash Adjustments to Reconcile Net Income		 9.96 -3.27 -16 13 2.25 4.32 2.49
Changes in Operating Assets and Liabilities, net		 -2.31 -33 -33 -2.02 -4.49 -14 16
Net Cash From Investing Activities		 -39 -205 -211 -777 -333 -295 -220
Net Cash From Continuing Investing Activities		 -39 -205 -211 -777 -333 -295 -220
Purchase of Property, Leasehold Improvements and Equipment		 -3.82 -1.90 -4.17 -0.49 -0.41 -2.72 -0.98
Purchase of Investment Securities		 -90 -231 -273 -809 -397 -404 -340
Sale and/or Maturity of Investments		 55 31 66 31 64 112 121
Other Investing Activities, net		 0.00 -2.74 0.25 1.00 1.25 0.00 0.00
Net Cash From Financing Activities		 -8.48 277 274 668 411 288 150
Net Cash From Continuing Financing Activities		 -8.48 277 274 668 411 288 150
Net Change in Deposits		 -28 248 175 48 255 377 151
Issuance of Debt		 699 13 -11 - 167 -88 0.00
Issuance of Preferred Equity		 - 0.00 0.00 225 0.00 0.00 0.00
Issuance of Common Equity		 0.00 0.00 4.74 0.00 0.00 0.00 0.14
Repayment of Debt		 -664 21 -15 396 0.00 0.00 0.00
Repurchase of Common Equity		 -16 -4.71 -1.61 0.00 -11 0.00 0.00
Payment of Dividends		 - - - 0.00 0.00 -0.59 -1.13
Other Financing Activities, Net		 0.00 0.00 122 -1.00 0.00 0.00 0.00
Cash Interest Paid		 12 11 8.08 15 50 94 86
Cash Income Taxes Paid		 1.18 0.53 5.97 0.17 1.01 2.18 8.46

Quarterly Cash Flow Statements for Ponce Financial Group

This table details how cash moves in and out of Ponce Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -127 22 -4.47 -32 53 -16 -9.95 -3.25 20 -20 -8.91
Net Cash From Operating Activities		 7.06 -0.86 1.46 -2.55 -15 23 13 6.17 1.39 35 14
Net Cash From Continuing Operating Activities		 7.06 -0.86 1.46 -2.55 -15 23 13 6.17 1.39 35 14
Net Income / (Loss) Continuing Operations		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
Consolidated Net Income / (Loss)		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
Provision For Loan Losses		 0.54 -0.38 -0.18 -0.38 0.79 1.10 -0.29 1.63 1.36 1.08 1.66
Depreciation Expense		 0.97 1.28 0.67 1.59 1.22 1.25 1.21 1.22 1.15 1.24 1.23
Amortization Expense		 -0.03 -0.03 -0.04 -0.03 -0.01 -0.04 -0.02 -0.02 -0.02 -0.00 -0.00
Non-Cash Adjustments to Reconcile Net Income		 1.09 -0.41 1.15 1.34 0.99 0.84 0.47 0.14 0.16 1.72 0.75
Changes in Operating Assets and Liabilities, net		 1.91 -1.84 -2.56 -8.26 -20 17 5.75 -2.89 -7.78 21 1.62
Net Cash From Investing Activities		 -80 -93 -80 -49 -97 -69 -68 -61 23 -114 -85
Net Cash From Continuing Investing Activities		 -80 -93 -80 -49 -97 -69 -68 -61 23 -114 -85
Purchase of Property, Leasehold Improvements and Equipment		 -0.04 -0.04 -1.78 -0.07 -0.40 -0.48 -0.15 -0.25 -0.61 0.04 -0.05
Purchase of Investment Securities		 -93 -109 -90 -63 -142 -109 -87 -90 -32 -131 -101
Sale and/or Maturity of Investments		 13 15 11 14 45 41 19 29 56 17 16
Net Cash From Financing Activities		 -54 116 74 20 164 30 45 52 -4.65 58 62
Net Cash From Continuing Financing Activities		 -54 116 74 20 164 30 45 52 -4.65 58 62
Net Change in Deposits		 -41 106 78 20 264 15 120 37 11 -16 87
Repayment of Debt		 -7.00 9.32 - - - - -75 - - - -25
Payment of Dividends		 - - 0.00 - -0.28 -0.28 -0.28 -0.28 -0.28 -0.28 -0.28
Other Financing Activities, Net		 - - - - - - 0.00 - - -0.11 0.22
Cash Interest Paid		 13 14 29 18 26 21 21 22 21 21 20
Cash Income Taxes Paid		 0.08 0.52 0.29 0.02 1.06 0.82 0.41 2.93 3.05 2.07 0.52

Annual Balance Sheets for Ponce Financial Group

This table presents Ponce Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,355 1,654 2,312 2,751 3,040 3,224
Cash and Due from Banks		 27 99 32 29 35 29
Interest Bearing Deposits at Other Banks		 45 55 22 110 104 98
Trading Account Securities		 19 114 640 120 473 92
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 1,194 1,321 1.98 9.98 11 3.39
Premises and Equipment, Net		 32 20 17 16 17 16
Other Assets		 38 45 1,598 2,466 2,400 2,976
Total Liabilities & Shareholders' Equity		 1,355 1,654 2,312 2,751 3,040 3,224
Total Liabilities		 1,196 1,464 1,819 2,259 2,534 2,682
Non-Interest Bearing Deposits		 1,030 1,205 1,252 1,508 1,895 2,047
Accrued Interest Payable		 0.06 0.23 1.39 12 3.71 3.79
Long-Term Debt		 149 121 517 684 596 596
Other Long-Term Liabilities		 10 130 38 45 39 36
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 160 189 493 491 506 542
Total Preferred & Common Equity		 160 189 493 491 506 542
Preferred Stock		 0.00 0.00 225 225 225 225
Total Common Equity		 160 189 268 266 281 317
Common Stock		 85 86 207 207 208 209
Retained Earnings		 98 123 93 97 108 135
Treasury Stock		 -18 -14 -0.00 -9.75 -7.71 -6.16
Accumulated Other Comprehensive Income / (Loss)		 0.14 -1.46 -18 -16 -15 -11
Other Equity Adjustments		 -5.31 -4.34 -14 -13 -12 -11

Quarterly Balance Sheets for Ponce Financial Group

This table presents Ponce Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,158 2,540 2,672 2,624 2,819 2,842 3,016 3,090 3,154 3,157 3,301
Cash and Due from Banks		 37 84 31 26 30 23 32 32 36 29 27
Interest Bearing Deposits at Other Banks		 25 101 213 91 105 80 124 98 91 117 90
Trading Account Securities		 626 620 606 588 569 113 111 104 433 380 87
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 1,396 2.99 10 1,802 1,989 38 9.57 8.57 5.70 5.79 2.13
Premises and Equipment, Net		 18 17 17 16 17 17 17 16 16 16 15
Other Assets		 56 1,715 1,796 101 108 2,571 2,722 2,831 2,572 2,609 3,068
Total Liabilities & Shareholders' Equity		 2,158 2,540 2,672 2,624 2,819 2,842 3,016 3,090 3,154 3,157 3,301
Total Liabilities		 1,658 2,043 2,181 2,139 2,325 2,344 2,511 2,576 2,633 2,627 2,749
Non-Interest Bearing Deposits		 1,351 1,337 1,442 1,401 1,586 1,606 1,870 2,005 2,042 2,063 2,134
Accrued Interest Payable		 0.85 1.77 4.70 8.39 4.22 6.82 2.92 4.63 4.16 4.37 4.34
Long-Term Debt		 286 648 682 675 680 680 580 521 536 521 571
Other Long-Term Liabilities		 8.59 42 40 40 41 40 44 32 39 39 40
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 501 496 490 485 494 498 505 514 521 530 551
Total Preferred & Common Equity		 501 496 490 485 494 498 505 514 521 530 551
Preferred Stock		 225 225 225 225 225 225 225 225 225 225 225
Total Common Equity		 276 271 265 260 269 273 280 289 296 305 326
Common Stock		 206 207 208 208 208 208 209 208 209 209 209
Retained Earnings		 102 94 94 97 100 103 105 113 119 125 144
Treasury Stock		 0.00 -0.00 -5.20 -11 -9.70 -9.52 -9.45 -7.64 -7.40 -7.27 -5.74
Accumulated Other Comprehensive Income / (Loss)		 -18 -17 -18 -20 -17 -17 -13 -14 -13 -12 -11
Other Equity Adjustments		 -14 -14 -14 -13 -13 -12 -12 -12 -11 -11 -10

Annual Metrics And Ratios for Ponce Financial Group

This table displays calculated financial ratios and metrics derived from Ponce Financial Group's official financial filings.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 0.00 - - - 24,001,125.00
DEI Adjusted Shares Outstanding		 0.00 0.00 0.00 - - - 24,001,125.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.00 - - - 1.20
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% 35.28% 69.30% -21.89% 3.38% 10.87% 30.50%
EBITDA Growth		 0.00% 305.05% 366.65% -189.01% 131.83% 97.85% 112.76%
EBIT Growth		 0.00% 186.54% 542.29% -209.58% 115.89% 167.98% 145.02%
NOPAT Growth		 0.00% 191.00% 559.62% -201.48% 113.00% 227.33% 161.60%
Net Income Growth		 0.00% 175.18% 559.62% -218.04% 111.17% 227.33% 161.60%
EPS Growth		 0.00% 179.31% 556.52% -187.42% 111.36% 206.67% 160.87%
Operating Cash Flow Growth		 0.00% -644.99% 167.47% -47.18% -33.74% 11.07% 670.85%
Free Cash Flow Firm Growth		 0.00% 0.00% 107.57% -3,245.54% 77.61% 152.46% -108.62%
Invested Capital Growth		 0.00% 0.00% 0.77% 225.20% 16.41% -6.31% 3.27%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% -20.95% 2.55% 5.48% 8.53%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -800.25% 1,505.62% 20.62% 27.29%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% -533.20% 184.70% 28.78% 31.64%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% -533.20% 169.30% 28.22% 33.50%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% -416.55% 152.54% 28.22% 33.50%
EPS Q/Q Growth		 0.00% 0.00% 0.00% -4,300.00% 155.56% 24.32% 36.36%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 106.16% 122.52% 143.68% 27.74%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 57.03% 1.77% -113.22%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 28.34% 1.35% 1.53% 8.25%
Profitability Metrics		 - - - - - - -
EBITDA Margin		 -9.27% 14.06% 38.74% -44.15% 13.59% 24.26% 39.55%
EBIT Margin		 -14.82% 9.48% 35.97% -50.46% 7.75% 18.74% 35.19%
Profit (Net Income) Margin		 -12.56% 6.98% 27.19% -41.08% 4.44% 13.11% 26.28%
Tax Burden Percent		 84.72% 73.60% 75.59% 81.42% 57.27% 69.95% 74.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 26.40% 24.41% 0.00% 42.73% 30.05% 25.31%
Return on Invested Capital (ROIC)		 0.00% 2.50% 8.21% -3.91% 0.31% 0.96% 2.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 2.50% 8.21% -5.22% 0.31% 0.96% 2.56%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.33% 6.36% -4.89% 0.37% 1.24% 2.92%
Return on Equity (ROE)		 0.00% 4.83% 14.57% -8.80% 0.68% 2.20% 5.48%
Cash Return on Invested Capital (CROIC)		 0.00% -197.50% 7.45% -109.83% -14.86% 7.48% -0.66%
Operating Return on Assets (OROA)		 0.00% 0.39% 2.24% -1.86% 0.23% 0.54% 1.23%
Return on Assets (ROA)		 0.00% 0.28% 1.69% -1.51% 0.13% 0.38% 0.92%
Return on Common Equity (ROCE)		 0.00% 4.83% 14.57% -5.90% 0.37% 1.21% 3.13%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 2.42% 13.43% -6.09% 0.68% 2.17% 5.30%
Net Operating Profit after Tax (NOPAT)		 -4.23 3.85 25 -26 3.35 11 29
NOPAT Margin		 -10.37% 6.98% 27.19% -35.32% 4.44% 13.11% 26.28%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 1.32% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 69.16% 62.01% 40.45% 63.34% 67.79% 60.80% 48.21%
Operating Expenses to Revenue		 114.19% 86.09% 61.13% 117.53% 90.96% 79.67% 61.35%
Earnings before Interest and Taxes (EBIT)		 -6.05 5.24 34 -37 5.85 16 38
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -3.79 7.76 36 -32 10 20 43
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.86 0.87 1.10 1.24
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.86 0.87 1.10 1.24
Price to Revenue (P/Rev)		 0.00 0.00 0.00 3.16 3.06 3.70 3.59
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 68.87 29.98 14.23
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 1.45% 3.34% 7.03%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.91 0.85 0.90 0.96
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 12.58 13.26 11.84 9.96
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 97.56 48.82 25.17
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 171.04 63.18 28.29
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 298.65 90.32 37.88
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 93.73 154.18 137.42 19.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 11.63 0.00
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 0.93 0.64 1.05 1.39 1.18 1.10
Long-Term Debt to Equity		 0.00 0.93 0.64 1.05 1.39 1.18 1.10
Financial Leverage		 0.00 0.93 0.77 0.94 1.22 1.28 1.14
Leverage Ratio		 0.00 8.49 8.63 5.81 5.14 5.81 5.98
Compound Leverage Factor		 0.00 8.49 8.63 5.81 5.14 5.81 5.98
Debt to Total Capital		 0.00% 48.24% 39.07% 51.22% 58.21% 54.11% 52.40%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 48.24% 39.07% 51.22% 58.21% 54.11% 52.40%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 22.28% 19.14% 20.42% 19.78%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 51.76% 60.93% 26.50% 22.66% 25.46% 27.82%
Debt to EBITDA		 0.00 19.16 3.35 -16.05 66.70 29.36 13.80
Net Debt to EBITDA		 0.00 9.87 -0.90 -14.36 53.14 22.47 10.88
Long-Term Debt to EBITDA		 0.00 19.16 3.35 -16.05 66.70 29.36 13.80
Debt to NOPAT		 0.00 38.59 4.77 -20.06 204.18 54.33 20.77
Net Debt to NOPAT		 0.00 19.89 -1.28 -17.95 162.66 41.58 16.37
Long-Term Debt to NOPAT		 0.00 38.59 4.77 -20.06 204.18 54.33 20.77
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 32.99% 45.73% 45.14% 42.98%
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -304 23 -725 -162 85 -7.35
Operating Cash Flow to CapEx		 132.23% -1,445.85% 444.81% 1,991.67% 1,579.81% 265.34% 5,684.46%
Free Cash Flow to Firm to Interest Expense		 0.00 -26.77 2.79 -44.91 -2.68 0.99 -0.09
Operating Cash Flow to Interest Expense		 0.41 -2.42 2.25 0.61 0.11 0.08 0.65
Operating Cash Flow Less CapEx to Interest Expense		 0.10 -2.59 1.74 0.58 0.10 0.05 0.64
Efficiency Ratios		 - - - - - - -
Asset Turnover		 0.00 0.04 0.06 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 0.00 1.72 3.62 3.94 4.51 5.10 6.74
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 308 311 1,010 1,176 1,102 1,138
Invested Capital Turnover		 0.00 0.36 0.30 0.11 0.07 0.07 0.10
Increase / (Decrease) in Invested Capital		 0.00 308 2.36 699 166 -74 36
Enterprise Value (EV)		 0.00 0.00 0.00 918 1,001 991 1,087
Market Capitalization		 0.00 0.00 0.00 230 231 310 392
Book Value per Share		 $0.00 $9.57 $11.30 $10.83 $11.26 $11.77 $13.19
Tangible Book Value per Share		 $0.00 $9.57 $11.30 $10.83 $11.26 $11.77 $13.19
Total Capital		 0.00 308 311 1,010 1,176 1,102 1,138
Total Debt		 0.00 149 121 517 684 596 596
Total Long-Term Debt		 0.00 149 121 517 684 596 596
Net Debt		 0.00 77 -33 463 545 456 470
Capital Expenditures (CapEx)		 3.82 1.90 4.17 0.49 0.41 2.72 0.98
Net Nonoperating Expense (NNE)		 0.89 0.00 0.00 4.21 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 149 121 517 684 596 596
Total Depreciation and Amortization (D&A)		 2.26 2.53 2.59 4.61 4.41 4.62 4.76
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $1.52 ($1.32) $0.15 $0.46 $1.21
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 16.74M 22.69M 22.75M 22.43M 22.75M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $1.51 ($1.32) $0.15 $0.46 $1.20
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 16.79M 22.69M 22.82M 22.55M 23.06M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 24.72M 24.86M 23.79M 23.97M 24.16M
Normalized Net Operating Profit after Tax (NOPAT)		 -4.23 3.85 25 -26 3.35 11 29
Normalized NOPAT Margin		 -10.37% 6.98% 27.19% -35.32% 4.44% 13.11% 26.28%
Pre Tax Income Margin		 -14.82% 9.48% 35.97% -50.46% 7.75% 18.74% 35.19%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 -0.49 0.46 4.07 -2.28 0.10 0.18 0.45
NOPAT to Interest Expense		 -0.34 0.34 3.08 -1.60 0.06 0.13 0.33
EBIT Less CapEx to Interest Expense		 -0.80 0.29 3.57 -2.31 0.09 0.15 0.44
NOPAT Less CapEx to Interest Expense		 -0.65 0.17 2.57 -1.63 0.05 0.10 0.32
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 5.36% 3.92%
Augmented Payout Ratio		 -307.57% 122.27% 6.32% 0.00% 328.43% 5.36% 3.92%

Quarterly Metrics And Ratios for Ponce Financial Group

This table displays calculated financial ratios and metrics derived from Ponce Financial Group's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 23,966,191.00 23,984,800.00 24,001,125.00 24,001,125.00 24,156,831.00
DEI Adjusted Shares Outstanding		 - - - - - - 23,966,191.00 23,984,800.00 24,001,125.00 24,001,125.00 24,156,831.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.25 0.25 0.27 0.42 0.36
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 15.54% 11.32% 20.31% 13.44% -9.00% 23.51% 19.75% 31.37% 32.55% 37.61% 23.12%
EBITDA Growth		 134.91% 125.15% 176.53% 392.29% -18.46% 157.08% 108.60% 54.73% 130.84% 163.06% 37.48%
EBIT Growth		 127.75% 108.13% 328.73% 1,553.31% -28.88% 365.10% 112.26% 82.07% 185.18% 206.85% 42.49%
NOPAT Growth		 123.78% 106.27% 629.31% 1,609.93% -6.06% 466.22% 146.85% 91.10% 167.49% 245.58% 44.71%
Net Income Growth		 117.57% 105.62% 629.31% 3,768.97% -6.06% 466.22% 146.85% 91.10% 167.49% 245.58% 44.71%
EPS Growth		 118.75% 105.00% 1,000.00% 0.00% -16.67% 450.00% 127.27% 78.57% 170.00% 290.91% 44.00%
Operating Cash Flow Growth		 157.62% 80.68% -76.23% 56.44% -306.16% 2,771.38% 795.76% 341.83% 109.56% 52.80% 6.07%
Free Cash Flow Firm Growth		 53.57% 76.65% 96.37% 99.28% 120.94% 146.69% 631.94% 5,611.72% -47.69% -133.59% -154.35%
Invested Capital Growth		 47.40% 16.41% 2.59% 0.47% -6.48% -6.31% -11.85% -10.26% -3.14% 3.27% 8.45%
Revenue Q/Q Growth		 24.73% -16.63% 11.08% -1.79% 0.06% 13.15% 7.70% 7.74% 0.96% 17.48% -3.65%
EBITDA Q/Q Growth		 335.46% -57.97% 98.91% 35.23% -27.87% 32.50% 61.40% 0.31% 7.61% 50.99% -15.65%
EBIT Q/Q Growth		 1,529.80% -77.77% 291.67% 16.73% -30.03% 45.39% 78.75% 0.13% 9.60% 56.44% -17.00%
NOPAT Q/Q Growth		 1,325.17% -80.00% 366.02% 32.23% -23.78% 20.55% 103.17% 2.37% 6.69% 55.75% -14.93%
Net Income Q/Q Growth		 3,077.01% -80.00% 366.02% 32.23% -23.78% 20.55% 103.17% 2.37% 6.69% 55.75% -14.93%
EPS Q/Q Growth		 0.00% -83.33% 450.00% 27.27% -28.57% 10.00% 127.27% 0.00% 8.00% 59.26% -16.28%
Operating Cash Flow Q/Q Growth		 220.53% -112.12% -95.43% -274.74% -470.43% 257.02% -42.77% -52.82% -77.45% 2,410.13% -60.27%
Free Cash Flow Firm Q/Q Growth		 -15.66% 55.41% 83.49% 91.55% 3,467.23% -0.56% 88.05% -12.47% -68.04% -163.85% -204.30%
Invested Capital Q/Q Growth		 -1.06% 1.35% -0.15% 0.34% -7.90% 1.53% -6.05% 2.15% -0.59% 8.25% -1.33%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 23.71% 11.95% 21.40% 29.47% 21.25% 24.88% 37.28% 34.71% 37.00% 47.56% 41.63%
EBIT Margin		 19.48% 5.19% 18.31% 21.77% 15.22% 19.56% 32.46% 30.17% 32.75% 43.62% 37.57%
Profit (Net Income) Margin		 11.68% 2.80% 11.76% 15.83% 12.06% 12.85% 24.24% 23.03% 24.34% 32.27% 28.49%
Tax Burden Percent		 59.98% 53.96% 64.20% 72.73% 79.23% 65.69% 74.66% 76.34% 74.31% 73.98% 75.83%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 40.02% 46.04% 35.80% 27.27% 20.78% 34.31% 25.34% 23.66% 25.69% 26.02% 24.17%
Return on Invested Capital (ROIC)		 0.88% 0.19% 0.80% 1.10% 0.85% 0.94% 1.93% 1.94% 2.29% 3.15% 3.03%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.88% 0.19% 0.80% 1.10% 0.85% 0.94% 1.93% 1.94% 2.29% 3.15% 3.03%
Return on Net Nonoperating Assets (RNNOA)		 0.86% 0.24% 1.08% 1.51% 1.08% 1.21% 2.30% 2.31% 2.44% 3.58% 3.11%
Return on Equity (ROE)		 1.74% 0.43% 1.88% 2.61% 1.93% 2.16% 4.22% 4.25% 4.74% 6.73% 6.15%
Cash Return on Invested Capital (CROIC)		 -38.82% -14.86% -2.09% 0.27% 7.46% 7.48% 13.91% 12.38% 5.20% -0.66% -5.20%
Operating Return on Assets (OROA)		 0.60% 0.15% 0.54% 0.64% 0.43% 0.57% 0.96% 0.95% 1.07% 1.52% 1.35%
Return on Assets (ROA)		 0.36% 0.08% 0.35% 0.47% 0.34% 0.37% 0.72% 0.72% 0.79% 1.13% 1.02%
Return on Common Equity (ROCE)		 0.95% 0.23% 1.02% 1.42% 1.05% 1.18% 2.34% 2.37% 2.68% 3.84% 3.55%
Return on Equity Simple (ROE_SIMPLE)		 -1.32% 0.00% 1.10% 1.75% 1.70% 0.00% 2.82% 3.34% 4.06% 0.00% 5.69%
Net Operating Profit after Tax (NOPAT)		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
NOPAT Margin		 11.68% 2.80% 11.76% 15.83% 12.06% 12.85% 24.24% 23.03% 24.34% 32.27% 28.49%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.57% 71.39% 62.05% 61.73% 63.15% 56.79% 52.59% 49.04% 49.67% 42.86% 45.53%
Operating Expenses to Revenue		 78.11% 96.83% 82.56% 80.09% 80.87% 75.63% 68.70% 63.69% 62.15% 52.95% 56.96%
Earnings before Interest and Taxes (EBIT)		 4.32 0.96 3.76 4.39 3.07 4.47 7.98 7.99 8.76 14 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.26 2.21 4.39 5.94 4.29 5.68 9.17 9.19 9.89 15 13
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.71 0.87 0.79 0.80 1.00 1.10 1.05 1.12 1.16 1.24 1.24
Price to Tangible Book Value (P/TBV)		 0.71 0.87 0.79 0.80 1.00 1.10 1.05 1.12 1.16 1.24 1.24
Price to Revenue (P/Rev)		 2.51 3.06 2.68 2.68 3.51 3.70 3.46 3.53 3.51 3.59 3.51
Price to Earnings (P/E)		 0.00 68.87 38.96 25.19 33.94 29.98 22.33 20.37 17.32 14.23 13.35
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 1.45% 2.57% 3.97% 2.95% 3.34% 4.48% 4.91% 5.77% 7.03% 7.49%
Enterprise Value to Invested Capital (EV/IC)		 0.83 0.85 0.84 0.87 0.86 0.90 0.89 0.91 0.91 0.96 0.96
Enterprise Value to Revenue (EV/Rev)		 13.15 13.26 12.44 12.54 11.69 11.84 10.48 10.27 9.46 9.96 9.42
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 97.56 75.19 57.29 55.13 48.82 36.69 34.12 28.07 25.17 23.22
Enterprise Value to EBIT (EV/EBIT)		 0.00 171.04 112.46 75.96 76.19 63.18 46.21 41.11 32.62 28.29 25.88
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 298.65 180.76 117.04 108.45 90.32 63.36 55.46 44.29 37.88 34.51
Enterprise Value to Operating Cash Flow (EV/OCF)		 331.75 154.18 543.38 199.35 0.00 137.42 48.83 35.06 21.88 19.56 19.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 316.93 11.09 11.63 5.99 6.99 17.14 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.39 1.39 1.38 1.37 1.15 1.18 1.01 1.03 0.98 1.10 1.04
Long-Term Debt to Equity		 1.39 1.39 1.38 1.37 1.15 1.18 1.01 1.03 0.98 1.10 1.04
Financial Leverage		 0.98 1.22 1.34 1.38 1.27 1.28 1.19 1.19 1.06 1.14 1.03
Leverage Ratio		 4.85 5.14 5.41 5.58 5.70 5.81 5.86 5.89 5.97 5.98 6.00
Compound Leverage Factor		 4.85 5.14 5.41 5.58 5.70 5.81 5.86 5.89 5.97 5.98 6.00
Debt to Total Capital		 58.19% 58.21% 57.95% 57.76% 53.49% 54.11% 50.35% 50.71% 49.58% 52.40% 50.88%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 58.19% 58.21% 57.95% 57.76% 53.49% 54.11% 50.35% 50.71% 49.58% 52.40% 50.88%
Preferred Equity to Total Capital		 19.39% 19.14% 19.16% 19.10% 20.74% 20.42% 21.74% 21.28% 21.41% 19.78% 20.05%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 22.42% 22.66% 22.88% 23.14% 25.77% 25.46% 27.91% 28.01% 29.01% 27.82% 29.08%
Debt to EBITDA		 -924.79 66.70 52.08 38.22 34.49 29.36 20.78 18.93 15.36 13.80 12.25
Net Debt to EBITDA		 -764.50 53.14 41.76 32.43 25.23 22.47 15.60 14.46 11.04 10.88 9.73
Long-Term Debt to EBITDA		 -924.79 66.70 52.08 38.22 34.49 29.36 20.78 18.93 15.36 13.80 12.25
Debt to NOPAT		 -139.57 204.18 125.19 78.08 67.83 54.33 35.90 30.77 24.24 20.77 18.21
Net Debt to NOPAT		 -115.38 162.66 100.40 66.24 49.62 41.58 26.95 23.50 17.42 16.37 14.47
Long-Term Debt to NOPAT		 -139.57 204.18 125.19 78.08 67.83 54.33 35.90 30.77 24.24 20.77 18.21
Noncontrolling Interest Sharing Ratio		 45.65% 45.73% 45.47% 45.54% 45.47% 45.14% 44.66% 44.17% 43.50% 42.98% 42.24%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -371 -165 -27 -2.30 78 77 145 127 41 -26 -79
Operating Cash Flow to CapEx		 16,054.55% -2,087.80% 82.26% -3,647.14% -3,677.53% 4,803.99% 8,498.05% 2,440.32% 229.70% 0.00% 29,534.04%
Free Cash Flow to Firm to Interest Expense		 -21.84 -9.31 -1.31 -0.11 3.48 3.48 6.66 5.92 1.88 -1.24 -3.86
Operating Cash Flow to Interest Expense		 0.42 -0.05 0.07 -0.12 -0.65 1.03 0.60 0.29 0.06 1.67 0.68
Operating Cash Flow Less CapEx to Interest Expense		 0.41 -0.05 -0.02 -0.13 -0.67 1.01 0.59 0.28 0.04 1.67 0.68
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 4.30 4.51 4.56 4.81 4.77 5.10 5.19 5.69 6.10 6.74 7.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,160 1,176 1,174 1,178 1,085 1,102 1,035 1,057 1,051 1,138 1,122
Invested Capital Turnover		 0.08 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.10 0.11
Increase / (Decrease) in Invested Capital		 373 166 30 5.50 -75 -74 -139 -121 -34 36 87
Enterprise Value (EV)		 968 1,001 982 1,020 928 991 920 966 952 1,087 1,083
Market Capitalization		 185 231 212 218 278 310 304 332 353 392 404
Book Value per Share		 $10.99 $11.26 $11.29 $11.45 $11.74 $11.77 $12.05 $12.34 $12.70 $13.19 $13.51
Tangible Book Value per Share		 $10.99 $11.26 $11.29 $11.45 $11.74 $11.77 $12.05 $12.34 $12.70 $13.19 $13.51
Total Capital		 1,160 1,176 1,174 1,178 1,085 1,102 1,035 1,057 1,051 1,138 1,122
Total Debt		 675 684 680 680 580 596 521 536 521 596 571
Total Long-Term Debt		 675 684 680 680 580 596 521 536 521 596 571
Net Debt		 558 545 546 577 425 456 391 409 375 470 454
Capital Expenditures (CapEx)		 0.04 0.04 1.78 0.07 0.40 0.48 0.15 0.25 0.61 -0.04 0.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 675 684 680 680 580 596 521 536 521 596 571
Total Depreciation and Amortization (D&A)		 0.94 1.25 0.63 1.55 1.22 1.21 1.19 1.20 1.14 1.24 1.23
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.02 $0.11 $0.14 $0.10 $0.11 $0.25 $0.26 $0.27 $0.43 $0.36
Adjusted Weighted Average Basic Shares Outstanding		 22.27M 22.75M 22.35M 22.41M 22.45M 22.43M 22.66M 22.72M 22.77M 22.75M 22.99M
Adjusted Diluted Earnings per Share		 $0.12 $0.02 $0.11 $0.14 $0.10 $0.11 $0.25 $0.25 $0.27 $0.43 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 22.35M 22.82M 22.37M 22.42M 22.61M 22.55M 22.88M 22.95M 23.14M 23.06M 23.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 23.65M 23.79M 23.81M 23.81M 23.83M 23.97M 23.98M 24.00M 24.00M 24.16M 24.19M
Normalized Net Operating Profit after Tax (NOPAT)		 2.59 0.52 2.41 3.19 2.43 2.93 5.96 6.10 6.51 10 8.62
Normalized NOPAT Margin		 11.68% 2.80% 11.76% 15.83% 12.06% 12.85% 24.24% 23.03% 24.34% 32.27% 28.49%
Pre Tax Income Margin		 19.48% 5.19% 18.31% 21.77% 15.22% 19.56% 32.46% 30.17% 32.75% 43.62% 37.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.25 0.05 0.18 0.21 0.14 0.20 0.37 0.37 0.41 0.66 0.56
NOPAT to Interest Expense		 0.15 0.03 0.12 0.15 0.11 0.13 0.27 0.28 0.30 0.49 0.42
EBIT Less CapEx to Interest Expense		 0.25 0.05 0.10 0.21 0.12 0.18 0.36 0.36 0.38 0.66 0.55
NOPAT Less CapEx to Interest Expense		 0.15 0.03 0.03 0.15 0.09 0.11 0.27 0.27 0.27 0.49 0.42
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 5.36% 5.99% 6.46% 5.24% 3.92% 3.59%
Augmented Payout Ratio		 -172.55% 328.43% 0.00% 66.66% 0.00% 5.36% 5.99% 6.46% 5.24% 3.92% 3.59%

Financials Breakdown Chart

Key Financial Trends

Ponce Financial Group (NASDAQ: PDLB) turned in a solid first quarter of 2026, with earnings improving from both the prior quarter and the year-ago period, even as cash flow remained pressured by a large investment portfolio repositioning.

  • Q1 2026 net income attributable to common shareholders rose to $8.3 million, up from $6.2 million in Q3 2025 and $2.7 million in Q4 2024.
  • Diluted EPS held at $0.36, above $0.27 in Q3 2025 and well above $0.11 in Q4 2024.
  • Net interest income improved to $28.2 million, compared with $27.9 million in Q4 2025 and $22.2 million in Q1 2025.
  • Total revenue reached $30.3 million, up modestly from $24.6 million in Q1 2025.
  • Operating cash flow was strong at $13.9 million, versus $1.4 million in Q3 2025 and $23.9 million in Q4 2024.
  • Common equity increased to $326.4 million from $288.9 million a year earlier, supporting book value growth.
  • The company continued to generate income from non-interest sources, with $2.0 million of non-interest income in Q1 2026.
  • Average share count remained relatively stable, suggesting limited dilution in the quarter.
  • Net cash and equivalents fell by $8.9 million in Q1 2026, indicating the quarter was not cash-accretive overall.
  • Investing cash flow was deeply negative at -$84.9 million, driven by $100.6 million of investment securities purchases.
  • AOCI remained negative at -$10.7 million, reflecting some unrealized pressure in equity.
  • The company still relies heavily on funding and balance-sheet management, with deposits and securities activity creating significant cash volatility quarter to quarter.

What stands out is that PDLB’s earnings trend has clearly improved from the weaker periods seen in 2024, when quarterly profit fell to as low as $518,000 in Q4 2023 and $2.4 million in Q1 2024. Since then, profitability has been more consistent, and Q1 2026 continued that recovery.

On the balance sheet, Ponce Financial remains a deposit-funded institution with a large securities portfolio. Total assets were $3.30 billion at the end of Q1 2026, up from $3.09 billion a year earlier, while long-term debt stood at $571.1 million. That mix suggests the company is still managing a fairly levered balance sheet, so investors will want to watch credit quality, deposit trends, and interest expense closely.

Bottom line: PDLB looks to be in a better earnings position than it was a year ago, but the stock’s longer-term story will depend on whether management can keep margins steady, preserve deposit stability, and avoid earnings volatility from investment and balance-sheet repositioning.

07/05/26 07:58 PM ETAI Generated. May Contain Errors.

Ponce Financial Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Ponce Financial Group's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Ponce Financial Group's net income appears to be on an upward trend, with a most recent value of $28.70 million in 2025, falling from -$5.13 million in 2019. The previous period was $10.97 million in 2024. See where experts think Ponce Financial Group is headed by visiting Ponce Financial Group's forecast page.

Over the last 6 years, Ponce Financial Group's total revenue changed from $40.82 million in 2019 to $109.22 million in 2025, a change of 167.6%.

Ponce Financial Group's total liabilities were at $2.68 billion at the end of 2025, a 5.8% increase from 2024, and a 124.3% increase since 2020.

In the past 5 years, Ponce Financial Group's cash and equivalents has ranged from $26.94 million in 2020 to $98.95 million in 2021, and is currently $28.51 million as of their latest financial filing in 2025.

Over the last 6 years, Ponce Financial Group's book value per share changed from 0.00 in 2019 to 13.19 in 2025, a change of 1,318.9%.


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Financial statements for NASDAQ:PDLB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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