Ponce Financial Group, Inc. (PDLB) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Ponce Financial reported revenue of $109.2M, up 30.5% from $83.7M the year before. Net income was $28.7M (a 26.3% net margin), or $1.20 per diluted share. Net interest income was $99.8M, and the efficiency ratio (noninterest expense / revenue) was 61.4%. Operating activities generated $55.6M of cash, leaving $54.6M of free cash flow. At fiscal year end, Ponce Financial held $3.22B in total assets against $2.68B in total liabilities, including $126.2M of cash and equivalents.
Open the full interactive Ponce Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Ponce Financial Key Stats
| Share Price | $20.11 |
|---|---|
| Market Cap | $472.7M |
| P/E Ratio | 16.8 |
| Revenue YoY Growth | +30.5% |
| 52-Week Range | $14.02 – $20.76 |
| Shares Outstanding | 23.1 million (basic, 2026 Q2) |
Ponce Financial Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $58.8M | $66.6M | $65.3M | $76.5M | $99.8M |
| Provision for Credit Losses | $2.7M | $24.0M | $973,000 | $1.3M | $3.8M |
| Noninterest Income | $34.6M | $6.4M | $10.2M | $7.2M | $9.4M |
| Noninterest Expense | $57.1M | $85.8M | $68.7M | $66.7M | $67.0M |
| Revenue | $93.5M | $73.0M | $75.5M | $83.7M | $109.2M |
| Pre-Tax Income | $33.6M | -$36.8M | $5.9M | $15.7M | $38.4M |
| Income Tax | $8.2M | -$6.8M | $2.5M | $4.7M | $9.7M |
| Net Income | $25.4M | -$30.0M | $3.4M | $11.0M | $28.7M |
| Diluted EPS | $1.51 | -$1.32 | $0.15 | $0.46 | $1.20 |
Ponce Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $26.7M | $31.4M | $30.3M | $31.6M |
| Net Income | $6.5M | $10.1M | $8.6M | $8.5M |
| Diluted EPS | $0.27 | $0.44 | $0.36 | $0.35 |
Ponce Financial Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $153.9M | $54.4M | $139.2M | $139.8M | $126.2M |
| Loans (Net) | $1.31B | $1.49B | $1.90B | — | — |
| Total Assets | $1.65B | $2.31B | $2.75B | $3.04B | $3.22B |
| Deposits | $1.20B | $1.25B | $1.51B | $1.88B | $2.05B |
| Total Long-Term Debt | $131.3M | $601.4M | $684.4M | $596.1M | $596.1M |
| Total Liabilities | $1.46B | $1.82B | $2.26B | $2.53B | $2.68B |
| Shareholders' Equity | $189.3M | $492.7M | $491.4M | $505.5M | $541.5M |
Ponce Financial Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Cash From Investing | -$211.1M | -$777.1M | -$332.9M | -$294.9M | -$219.7M |
| Cash From Financing | $274.4M | $667.7M | $411.2M | $288.3M | $150.4M |
| Free Cash Flow | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
Figures from Ponce Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Ponce Financial financials page for every line item.
Ponce Financial Company Profile
| Ticker | PDLB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Bronx, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001874071 |
Frequently Asked Questions
What was Ponce Financial's revenue in fiscal 2025?
Ponce Financial (PDLB) reported revenue of $109.2M for fiscal 2025.
What is Ponce Financial's annual revenue history?
Ponce Financial's annual revenue by fiscal year: 2021: $93.5M; 2022: $73.0M; 2023: $75.5M; 2024: $83.7M; 2025: $109.2M.
What was Ponce Financial's net income in fiscal 2025?
Ponce Financial reported net income of $28.7M for fiscal 2025.
What was Ponce Financial's earnings per share (EPS) in fiscal 2025?
Ponce Financial's diluted EPS was $1.20 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Ponce Financial generate in fiscal 2025?
Ponce Financial generated $54.6M of free cash flow in fiscal 2025.
What was Ponce Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Ponce Financial reported revenue of $31.6M.
How much debt does Ponce Financial have?
Ponce Financial reported $596.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Ponce Financial are outstanding?
Ponce Financial reported a weighted average of 23.1 million basic shares outstanding in 2026 Q2.
What is Ponce Financial's market cap?
Based on its latest closing price, Ponce Financial (PDLB) has a market capitalization of about $472.7M.
When does Ponce Financial's fiscal year end?
Ponce Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Ponce Financial headquartered?
Ponce Financial lists its business address in Bronx, New York in its SEC filings.
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