20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Ponce Financial Group Inc (PDLB) operates in the BANKS - REGIONAL industry and is headquartered in Bronx, United States with about 236 employees. Its market capitalization is roughly $529 million. In the fiscal year ended 2025-12-31, PDLB reported $194M in revenue and $29M in net income.
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services.
Interactive charts & full statements → Open the PDLB valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $205M | $194M | $167M | $134M | $87M | $78M | $61M | $52M | $48M | $41M | $35M | $35M | — |
| Gross Profit | $115M | $106M | $80M | $73M | $47M | $67M | $47M | $40M | $38M | $33M | $29M | $29M | — |
| Gross Margin % | 56.1% | 54.5% | 47.7% | 54.2% | 53.9% | 85.9% | 77.3% | 76.0% | 77.8% | 79.5% | 83.4% | 83.0% | — |
| Operating Income (EBIT) | $46M | $40M | $16M | $6M | ($37M) | $34M | $5M | ($6M) | $4M | ($3M) | $2M | $4M | — |
| Operating Margin % | 22.6% | 20.3% | 9.4% | 4.3% | -42.3% | 43.3% | 8.6% | -11.5% | 7.9% | -7.2% | 6.9% | 10.8% | — |
| Net Income | $34M | $29M | $11M | $3M | ($30M) | $25M | $4M | ($5M) | $3M | ($4M) | $1M | $3M | $3M |
| Net Margin % | 16.5% | 14.8% | 6.6% | 2.5% | -34.4% | 32.8% | 6.3% | -9.8% | 5.5% | -10.6% | 4.0% | 7.1% | — |
| EBITDA | $51M | $43M | $20M | $10M | ($33M) | $36M | $8M | ($4M) | $6M | ($1M) | $4M | $6M | — |
| Earnings Per Share (EPS) | $1.45 | $1.23 | $0.49 | $0.15 | $-1.32 | $1.51 | $0.23 | $-0.29 | $0.15 | $-0.24 | $0.17 | $0.30 | — |
| Shares Outstanding (M) | 24M | 23M | 23M | 23M | 23M | 17M | 17M | 17M | 18M | 18M | 8M | 8M | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $53M | $51M | $52M | $48M | $48M | $46M | $44M | $42M |
| Gross Profit | $29M | $29M | $31M | $25M | $25M | $24M | $21M | $19M |
| Gross Margin % | 55.4% | 56.4% | 60.1% | 52.5% | 51.6% | 53.2% | 46.3% | 45.5% |
| Operating Income (EBIT) | $11M | $11M | $15M | $9M | $8M | $8M | $4M | $3M |
| Operating Margin % | 21.3% | 22.4% | 28.3% | 18.1% | 16.8% | 17.3% | 10.1% | 7.3% |
| Net Income | $8M | $9M | $10M | $7M | $6M | $6M | $3M | $2M |
| Net Margin % | 16.0% | 17.0% | 19.4% | 13.5% | 12.8% | 13.0% | 6.6% | 5.8% |
| EBITDA | $13M | $13M | $16M | $10M | $9M | $9M | $6M | $4M |
| Earnings Per Share (EPS) | $0.36 | $0.37 | $0.44 | $0.28 | $0.27 | $0.26 | $0.13 | $0.11 |
| Shares Outstanding (M) | 24M | 23M | 23M | 23M | 23M | 23M | 23M | 23M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $58M | $56M | $7M | $6M | $10M | $19M | ($28M) | $5M | $8M | $9M | $4M | $5M |
| Capital Expenditures (CapEx) | $0M | $1M | $3M | $0M | $0M | $4M | $2M | $4M | $6M | $3M | $1M | $0M |
| Free Cash Flow (FCF) | $58M | $55M | $4M | $6M | $9M | $14M | ($29M) | $1M | $2M | $6M | $4M | $5M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $1M | $1M | $1M | $156M | $0M | $187M | — | — | — | $0M | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $8M | $14M | $35M | $1M | $6M | $13M | $23M | ($15M) |
| Capital Expenditures (CapEx) | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M |
| Free Cash Flow (FCF) | $8M | $14M | $35M | $1M | $6M | $13M | $22M | ($15M) |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $0M | $0M | $0M | $0M | $0M | $0M | $0M | $0M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.5B | $3.2B | $3.0B | $2.8B | $2.3B | $1.7B | $1.4B | $1.1B | $1.1B | $926M | $745M | $703M |
| Cash & Cash Equivalents | $140M | $126M | $140M | $139M | $56M | $156M | $75M | $28M | $70M | $60M | $12M | $13M |
| Total Liabilities | $2.9B | $2.7B | $2.5B | $2.3B | $1.8B | $1.5B | $1.2B | $895M | $891M | $761M | $652M | $612M |
| Total Debt (Short + Long-Term) | $1.2B | $825M | $596M | $1.1B | $706M | $43M | $238M | $115M | $69M | $36M | $6M | $8M |
| Total Shareholders' Equity | $561M | $542M | $506M | $491M | $493M | $189M | $160M | $158M | $169M | $165M | $93M | $91M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive PDLB viewer.
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