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  4. PONCE FINANCIAL GROUP INC
Ponce Financial Group Inc
XNAS: PDLB
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19.95-0.16(-0.80%)
43.42% Gain from 52W Low
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XNAS 14 Oct, 2026 5:30 PM (EDT)

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Board Meeting
The next board meeting for Ponce Fin Grp Inc is on 23 Oct 2026 for the purpose of Ponce Financial Group Inc Third Quarter Earnings Results for 2026See details

Ponce Fin Grp Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Ponce Fin Grp Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Ponce Fin Grp Inc Jun-2026 Quarterly Revenue is $31 Million which is growth of 19.6% YoY.

  • POSITIVE

    Quarterly Net Profit Ponce Fin Grp Inc Jun-2026 Quarterly Net Profit is $8 Million which is growth of 39.3% YoY.

Ponce Financial Group Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
31.430.231.326.626.224.222.219.619.519.81821.817.4
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-----------8.28.1
Operating Profit
-----------
⌄
-------------
Profit Before Tax
11.311.413.78.8884.53.14.43.814.3-0.3
Tax
2.82.83.62.31.921.50.61.21.40.41.7-0.2
⌄
8.28.39.96.25.85.72.72.23.12.40.52.6-0.1
Diluted NI Avail to Com Stockholders Ann.
8.28.39.96.25.85.72.72.23.12.40.52.6-0.1
Basic EPS
0.40.40.40.30.30.30.10.10.10.100.1
Diluted EPS After ExtraOrdinary
0.40.40.40.30.30.30.10.10.10.100.1-0
Number Of Shares End
23.12322.822.822.722.722.522.522.422.422.222.323.2
Net Income Continuing Discontinued Operations
8.58.610.16.56.162.92.43.22.40.52.6-0.1
Normalized Income
9.69.5117.26.86.83.63.13.82.90.53.10.2
Interest Income
51.748.748.846.945.94442.941.338.839.73533.531.1
Interest
21.620.420.921.621.421.822.222.320.920.817.81714.8
Net Interest Income
30.128.227.925.324.422.220.71917.918.817.216.516.3
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.21.21.21.21.21.21.31.21.60.71.311.5
Profit From Continuing Operations
8.58.610.16.56.162.92.43.22.40.52.6-0.1
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Ponce Fin Grp Inc competitor comparison and performance snapshot within industry

Ponce Fin Grp Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Ponce Fin Grp Inc Dec-2025 Annual Revenue is $108 Million which is growth of 33.5% YoY.

  • POSITIVE

    Annual Net Profit Ponce Fin Grp Inc Dec-2025 Annual Net Profit is $29 Million which is growth of 161.6% YoY.

Ponce Financial Group Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
15.1%
16.9%
 108.381.173.97169.349.640.138.834.629.429.7
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ----16.2-8.3-11.4-12.4-9.5-6.8-5.9-5.7
Operating Profit Ann.
-
-
 ---87.177.66152.548.341.435.335.3
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-
49.2%
45.138.415.75.9-36.933.65.2-6.13.8-32.43.8
Tax Ann.
-
47.3%
11.49.74.72.5-6.88.21.4-0.91.11.411.3
⌄
-
47.9%
32.627.610.33.4-3025.43.9-5.12.7-4.41.42.5
Diluted NI Avail to Com Stockholders Ann.
-
47.9%
32.627.610.33.4-3025.43.9-5.12.7-4.41.42.5
EPS Ann.
-
43.1%
 1.20.50.2-1.31.50.2-0.30.2-0.20.20.3
Diluted EPS Ann.
-
43.1%
 1.20.50.2-1.31.50.2-0.30.2-0.20.20.3
Number Of Shares End
-0.6%
6.6%
 22.822.522.223.216.916.617.517.98.38.3-
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-
49.1%
33.828.7113.4-3025.43.9-5.12.7-4.41.42.5
Normalized Income Ann.
-
121.2%
37.331.810.33.4-25.79.40.62.73.2-0.21.42.6
Interest Income Ann.
30.8%
28.3%
196185.5162.6125.982.867.153.350.546.23933.733.6
Interest Ann.
74.2%
49.7%
84.585.786.260.616.28.311.412.49.56.85.95.7
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
3.7%
13.9%
4.94.84.74.54.32.52.52.21.81.61.82
Profit From Continuing Operations Ann.
-
49.1%
33.828.7113.4-3025.43.9-5.12.7-4.41.42.5
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
33.5%
2Y CAGR
21.1%
3Y CAGR
15.1%
5Y CAGR
16.9%
7Y CAGR
15.8%
10Y CAGR
13.8%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
160.9%
2Y CAGR
190.5%
5Y CAGR
49.1%
7Y CAGR
40.2%
10Y CAGR
27.6%
Net Profit Annual growth is stable compared to historical averages.

Ponce Fin Grp Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Ponce Fin Grp Inc Dec-2025 Total Shareholders Fund is $317 Million which is growth of 12.9% YoY.

  • POSITIVE

    Total Assets Ponce Fin Grp Inc Dec-2025 Total Assets is $3,224 Million which is growth of 6.1% YoY.

Ponce Financial Group Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
11.7%
18.9%
3,2243,039.92,750.72,3121,653.51,355.21,053.81,059.9925.5745703.2
⌄
13.8%
17.5%
2,682.42,534.42,259.31,819.31,464.31,195.7895.4890.7760.7652612.1
⌄
5.8%
14.7%
316.6280.5266.4267.7189.3159.5158.4169.2164.89391.1
Total Capitalization Ann.
4%
33.6%
1,137.71,101.61,175.81,010.1217.6267.3262.8213.6181.2-99.1
Tangible Assets Ann.
3.2%
27.7%
541.6505.5491.4492.7189.3159.5158.4169.2164.89390.9
Working Capital Ann.
-
-
---
Invested Capital Ann.
5.1%
24.3%
912.7876.6950.8785.1310.6308.2262.8238.6201.29699.1
Tangible Book Value Ann.
5.8%
14.7%
316.6280.5266.4267.7189.3159.5158.4169.2164.89390.9
Borrowings Ann.
4.3%
33.3%
625.5626.8717.1551.9121.3148.7104.469.436.438
Net Debt Ann.
0.6%
44.8%
469.7456545461.5-73.976.7----
Share Issued Ann.
0%
6.1%
24.924.924.924.918.518.518.518.518.58.38.3
Number Of Shares End
-0.6%
6.6%
22.822.522.223.216.916.617.517.98.38.3-
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
6.1%
2Y CAGR
8.3%
3Y CAGR
11.7%
5Y CAGR
18.9%
7Y CAGR
17.2%
10Y CAGR
16.4%
Total Assets Annual growth is lower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
12.9%
2Y CAGR
9%
3Y CAGR
5.8%
5Y CAGR
14.7%
7Y CAGR
9.4%
10Y CAGR
13.3%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Ponce Fin Grp Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Ponce Fin Grp Inc Book Value Per Share is $14 which is growth of 11.3% YoY.

  • NEUTRAL

    ROE Ponce Fin Grp Inc ROE is 0% which is growth of 0% YoY.

Ponce Financial Group Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.36%0.13%-1.51%1.69%0.32%-0.48%0.27%-0.53%0.20%0.36%
ROE Ann. %
-
-
-3.78%1.26%-13.13%14.57%2.42%-3.13%1.60%-3.40%1.55%2.77%
ROIC %
-
-
-----------
OPM Ann. %
-
-
---122.75%111.90%122.92%130.80%124.45%119.62%120.21%119.04%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0000.1000000
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-2.22.72.10.20.70.70.30.1-0.1
*All financials are in USD Million and price data in USD
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Ponce Fin Grp Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Ponce Fin Grp Inc Dec-2025 Cash From Operating Activity is $56 Million which is growth of 670.9% YoY.

  • NEGATIVE

    Net Cash Flow Ponce Fin Grp Inc Dec-2025 Net Cash Flow is $-14 Million which is growth of -2208.6% YoY.

Ponce Financial Group Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
78.4%
-
55.67.26.59.818.6-27.56.17.98.74.35.2
⌄
-
-
-219.7-294.9-332.9-777.1-211.1-204.6-39.7-126.6-135.9-43.9-6.2
⌄
-39.2%
-11.5%
150.4288.3411.2667.7274.4276.5-8.5128.8175.338.6-2.2
Cash Plus Cash Eqv. End Of Year Ann.
32.4%
11.8%
126.2139.8139.254.4153.972.127.769.859.711.712.7
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-13.70.784.8-99.581.844.4-42.110.148-1-3.2
Cash Plus Cash Eqv. Begin Of Year Ann.
-3.2%
38.2%
139.8139.254.4153.972.127.769.859.711.712.715.9
Income Tax Paid Supplemental Data Ann.
249%
76.2%
8.52.210.260.51.20.61.51.31.6
Interest Paid Supplemental Data Ann.
78.7%
49.7%
85.694.450158.111.412.39.56.85.95.7
Capex Ann.
-
-
-1-2.7-0.4-0.5-4.2-1.9-3.8-5.8-2.8-0.5-0.3
Issuance Of Capital Stock Ann.
-
-
-2254.7-78.2-
Issuance Of Debt Ann.
-
-
--167.1411.111.5213.6699.5271646.42801,989.3
Repayment Of Debt Ann.
-
-
-88.3-15.1-37.4-179.9-664.5-238-613-285-1,991.3
Repurchase Of Capital Stock Ann.
-
-
-11-1.6-4.7-15.8----
Free Cash Flow Ann.
80.4%
-
54.64.56.19.314.4-29.42.32.15.93.85
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
672.2%
2Y CAGR
192.5%
3Y CAGR
78.4%
7Y CAGR
32.1%
10Y CAGR
26.7%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
-47.8%
2Y CAGR
-39.5%
3Y CAGR
-39.2%
5Y CAGR
-11.5%
7Y CAGR
2.2%
Cash from Financing Annual Activity is falling faster than historical averages.
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