Ponce Financial Group Inc (PDLB)

Name: Ponce Financial Group Inc Financial Statements
Creator: Quarter Results

Financial Services | Banks Regional

Latest reporting period: 2026-03-31

Latest Quarter

2026-03-31

Revenue

$50.7M

Net Income

$8.6M

Operating Margin

22.4%

Free Cash Flow

$42.0M

Debt / Assets

83.2%

Values are in USD and rounded to the nearest whole number unless noted.

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Income statement quarterly history for Ponce Financial Group Inc (PDLB).
Income Statement (Quarterly)	2026-03-31	2025-03-31	2024-12-31	2024-09-30
Revenue	50,704,000	46,378,000	42,886,000	41,293,000
Cost of Revenue	22,092,000	46,378,000	0	1,265,000
Gross Profit	28,612,000	0	42,886,000	40,028,000
Operating Expenses
R&D Expenses	0	0	0	0
SG&A Expenses	1,574,000	1,447,000	1,992,000	1,531,000
Operating Expenses	17,240,000	1,447,000	1,992,000	1,531,000
Operating Income	11,372,000	7,981,000	4,465,000	38,497,000
Interest Expense	20,436,000	0	22,156,000	22,270,000
Income Before Tax	11,372,000	7,981,000	4,465,000	3,071,000
Income Tax Expense	2,749,000	2,022,000	1,532,000	638,000
Net Income	8,623,000	5,959,000	2,933,000	2,433,000
Per Share
EPS	0.36	0.25	0.14	0.10
EPS Diluted	0.00	0.00	0.00	0.00

Income statement annual history for Ponce Financial Group Inc (PDLB).
Income Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue	194,308,000	81,138,000	134,467,000	70,971,000	67,098,000
Cost of Revenue	88,419,000	0	61,574,000	5,112,000	0
Gross Profit	105,889,000	81,138,000	72,893,000	65,859,000	0
Operating Expenses
R&D Expenses	0	0	0	0	0
SG&A Expenses	40,273,000	6,860,000	34,014,000	29,745,000	7,835,000
Operating Expenses	66,380,000	6,860,000	67,040,000	6,497,000	7,835,000
Operating Income	39,509,000	15,685,000	5,853,000	-24,963,000	0
Interest Expense	85,714,000	86,157,000	60,601,000	16,149,000	8,252,000
Income Before Tax	38,431,000	15,685,000	5,853,000	-36,846,000	33,624,000
Income Tax Expense	9,728,000	4,713,000	2,501,000	-6,845,000	8,209,000
Net Income	28,703,000	10,972,000	3,352,000	-30,001,000	25,415,000
Per Share
EPS	1.21	0.46	0.15	-1.32	1.52
EPS Diluted	0.00	0.00	0.00	0.00	0.00

Balance sheet quarterly history for Ponce Financial Group Inc (PDLB).
Balance Sheet (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Assets
Cash and Cash Equivalents	28,511,000	140,088,000	139,439,000	55,854,000
Short Term Investments	92,196,000	104,970,000	119,902,000	129,505,000
Net Receivables	2,617,163,000	17,771,000	0	15,049,000
Inventory	0	0	-1,884,966,000	-70,903,000
Total Current Assets	2,737,870,000	262,829,000	157,449,000	200,408,000
Property Plant Equipment	43,221,000	45,887,000	47,325,000	50,869,000
Goodwill and Intangibles	0	0	0	0
Total Assets	3,223,970,000	3,039,938,000	2,771,907,000	2,311,989,000
Liabilities
Account Payables	0	3,712,000	11,965,000	1,390,000
Short Term Debt	229,027,000	0	0	188,160,000
Total Current Liabilities	1,075,582,000	1,888,576,000	1,524,417,000	1,390,000
Long Term Debt	654,806,000	626,796,000	353,784,000	551,907,000
Total Liabilities	2,682,421,000	2,534,438,000	2,280,512,000	1,819,289,000
Shareholders Equity
Retained Earnings	135,332,000	107,754,000	97,420,000	92,955,000
Total Shareholders Equity	541,549,000	505,500,000	491,395,000	492,700,000

Balance sheet annual history for Ponce Financial Group Inc (PDLB).
Balance Sheet (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Cash and Cash Equivalents	28,511,000	140,088,000	139,439,000	55,854,000	98,954,000
Short Term Investments	92,196,000	104,970,000	119,902,000	129,505,000	113,346,000
Net Receivables	2,617,163,000	17,771,000	0	15,049,000	1,305,078,000
Inventory	0	0	-1,884,966,000	-70,903,000	0
Total Current Assets	2,737,870,000	262,829,000	157,449,000	200,408,000	1,517,378,000
Property Plant Equipment	43,221,000	45,887,000	47,325,000	50,869,000	0
Goodwill and Intangibles	0	0	0	0	0
Total Assets	3,223,970,000	3,039,938,000	2,771,907,000	2,311,989,000	1,653,510,000
Liabilities
Account Payables	0	3,712,000	11,965,000	1,390,000	0
Short Term Debt	229,027,000	0	0	188,160,000	0
Total Current Liabilities	1,075,582,000	1,888,576,000	1,524,417,000	1,390,000	0
Long Term Debt	654,806,000	626,796,000	353,784,000	551,907,000	15,090,000
Total Liabilities	2,682,421,000	2,534,438,000	2,280,512,000	1,819,289,000	1,464,254,000
Shareholders Equity
Retained Earnings	135,332,000	107,754,000	97,420,000	92,955,000	122,956,000
Total Shareholders Equity	541,549,000	505,500,000	491,395,000	492,700,000	189,256,000

Cash flow quarterly history for Ponce Financial Group Inc (PDLB).
Cash Flow Statement (Quarterly)	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Operating Activities
Net Income	28,703,000	10,972,000	3,352,000	-30,001,000
Depreciation & Amortization	0	4,737,000	4,526,000	4,266,000
Stock Based Compensation	0	3,548,000	3,028,000	2,939,000
Change in Working Capital	3,241,000	-14,025,000	2,916,000	-2,024,000
Operating Cash Flow	42,983,000	7,212,000	13,896,000	9,799,000
Investing Activities
Capital Expenditure	-978,000	-2,718,000	-411,000	-492,000
Investments	-978,000	-2,718,000	-411,000	-492,000
Investing Cash Flow	-207,107,000	-294,898,000	-340,311,000	-777,061,000
Financing Activities
Debt Repayment	0	-88,321,000	-167,046,000	-15,090,000
Common Stock Issued/Repurchased	142,000	0	230,809,000	2,000
Dividends Paid	-1,125,000	-588,000	0	0
Financing Cash Flow	150,439,000	288,335,000	411,245,000	667,728,000
Summary
Free Cash Flow	42,005,000	4,494,000	13,485,000	9,307,000
Net Change in Cash	0	649,000	84,830,000	-99,534,000

Cash flow annual history for Ponce Financial Group Inc (PDLB).
Cash Flow Statement (Annual)	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Operating Activities
Net Income	28,703,000	10,972,000	3,352,000	-30,001,000	25,415,000
Depreciation & Amortization	0	4,737,000	4,526,000	4,266,000	120,000
Stock Based Compensation	0	3,548,000	3,028,000	2,939,000	1,395,000
Change in Working Capital	3,241,000	-14,025,000	2,916,000	-2,024,000	1,558,399,000
Operating Cash Flow	42,983,000	7,212,000	13,896,000	9,799,000	18,553,000
Investing Activities
Capital Expenditure	-978,000	-2,718,000	-411,000	-492,000	0
Investments	-978,000	-2,718,000	-411,000	-492,000	0
Investing Cash Flow	-207,107,000	-294,898,000	-340,311,000	-777,061,000	-211,139,000
Financing Activities
Debt Repayment	0	-88,321,000	-167,046,000	-15,090,000	638,000
Common Stock Issued/Repurchased	142,000	0	230,809,000	2,000	-496,000
Dividends Paid	-1,125,000	-588,000	0	0	0
Financing Cash Flow	150,439,000	288,335,000	411,245,000	667,728,000	274,402,000
Summary
Free Cash Flow	42,005,000	4,494,000	13,485,000	9,307,000	18,553,000
Net Change in Cash	0	649,000	84,830,000	-99,534,000	81,816,000