PDLB

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Ponce Financial Group, Inc.

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Key Metrics

Previous Close: $20.12
52-Week Range: $13.91 – $21.10
Market Cap: $491.26M
P/E (TTM): 14.40
EPS (TTM): 1.41
Dividend Yield: —

Advanced Metrics

Price/Book: 1.46
PEG Ratio: —
Return on Equity: 6.24%
Return on Assets: 1.02%
Gross Margin: 0.00%
Operating Margin: 39.79%
Profit Margin: 29.68%
Current Ratio: —
Debt/Equity: —
Total Debt: $649.97M
Free Cash Flow: —
Revenue Growth: 18.40%
Earnings Growth: 40.00%
Enterprise Value: $1.22B

PDLB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$70.97M	$73.87M	$81.14M	$108.32M
Selling, General & Admin	$30.08M	$34.01M	$34.35M	$34.64M
Pretax Income	-$36.85M	$5.85M	$15.69M	$38.43M
Income Tax	-$6.84M	$2.50M	$4.71M	$9.73M
Net Income	-$30.00M	$3.35M	$10.97M	$28.70M
Diluted EPS	-1.32	0.15	0.46	1.20
Diluted Shares	22.69M	22.82M	22.55M	23.06M

PDLB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$55.85M	$139.44M	$140.09M	$126.40M
Receivables	$15.05M	$18.01M	$17.77M	$17.91M
Total Assets	$2.31B	$2.75B	$3.04B	$3.22B
Long-Term Debt	$517.38M	$684.42M	$596.10M	$596.10M
Total Debt	$551.91M	$717.11M	$626.80M	$625.45M
Total Liabilities	$1.82B	$2.26B	$2.53B	$2.68B
Retained Earnings	$92.95M	$97.42M	$107.75M	$135.33M
Shareholders' Equity	$492.70M	$491.39M	$505.50M	$541.55M
Net Debt	$461.52M	$544.98M	$456.01M	$469.70M

PDLB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$9.80M	$6.49M	$7.21M	$55.59M
Capital Expenditure	-$492.00K	-$411.00K	-$2.72M	-$978.00K
Free Cash Flow	$9.31M	$6.08M	$4.49M	$54.62M
Depreciation & Amortisation	$4.27M	$4.53M	$4.74M	$4.82M
Stock-Based Compensation	$2.94M	$3.03M	$3.55M	$4.15M
Investing Cash Flow	-$777.06M	-$332.91M	-$294.90M	-$219.72M
Financing Cash Flow	$667.73M	$411.25M	$288.33M	$150.44M
Dividends Paid	$0.00	$0.00	-$588.00K	-$1.13M
Share Repurchases	$0.00	-$11.01M	$0.00	$0.00
Net Change in Cash	-$99.53M	$84.83M	$649.00K	-$13.69M

PDLB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$26.25M	$26.59M	$31.30M	$30.15M	—
Selling, General & Admin	$8.74M	$8.64M	$8.63M	$9.63M	—
Pretax Income	$7.99M	$8.76M	$13.70M	$11.37M	—
Income Tax	$1.89M	$2.25M	$3.56M	$2.75M	—
Net Income	$6.10M	$6.51M	$10.14M	$8.62M	—
Diluted EPS	0.25	0.27	0.42	0.36	0.35
Diluted Shares	22.95M	23.14M	23.26M	23.33M	23.51M

PDLB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$130.14M	$126.89M	$146.83M	$126.40M	$117.50M
Receivables	$19.01M	$19.13M	$18.90M	$17.91M	$19.27M
Total Assets	$3.09B	$3.15B	$3.16B	$3.22B	$3.30B
Long-Term Debt	$521.10M	$521.10M	$521.10M	$596.10M	$571.10M
Total Debt	$552.23M	$566.60M	$551.13M	$625.45M	$600.53M
Total Liabilities	$2.58B	$2.63B	$2.63B	$2.68B	$2.75B
Retained Earnings	$113.43M	$119.25M	$125.48M	$135.33M	$143.67M
Shareholders' Equity	$513.89M	$521.09M	$529.84M	$541.55M	$551.36M
Net Debt	$390.96M	$409.21M	$374.27M	$469.70M	$453.61M

PDLB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$13.09M	$6.17M	$1.39M	$34.94M	$13.88M
Capital Expenditure	-$154.00K	-$253.00K	-$606.00K	—	-$47.00K
Free Cash Flow	$12.93M	$5.92M	$786.00K	$34.98M	$13.83M
Depreciation & Amortisation	$1.21M	$1.22M	$1.15M	$1.24M	$1.23M
Stock-Based Compensation	$1.06M	$945.00K	$978.00K	$1.17M	$1.14M
Investing Cash Flow	-$67.83M	-$61.41M	$23.20M	-$113.67M	-$84.89M
Financing Cash Flow	$44.80M	$51.98M	-$4.65M	$58.30M	$62.10M
Dividends Paid	-$281.00K	-$282.00K	-$281.00K	-$281.00K	-$281.00K
Net Change in Cash	-$9.95M	-$3.25M	$19.94M	-$20.43M	-$8.91M

Market Snapshot

About

Ponce Financial Group is the holding company for Ponce Bank, a federally chartered savings bank serving the Bronx and greater New York metro area. As a minority depository institution and Community Development Financial Institution, the bank focuses on serving low-to-moderate income and immigrant communities with traditional banking services and affordable housing lending.