Ponce Financial Group (PDLB) Financial Statements & Analysis

Ponce Financial Group (PDLB) Income Statement

Ponce Financial Group reported revenue of $105.44M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 37.0% from $167.29M a year earlier. Net income was $27.58M, up 151.3% year over year, a net margin of 26.2%. Gross margin was 100.0% and operating margin 36.4%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $53.18M, up 11.5% from the same quarter a year earlier.

Ponce Financial Group Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Ponce Financial Group, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	105.44	167.30	73.87	48.98	77.58	60.96	52.48	48.31	41.35
Cost of Revenue	3.78	87.49	3.28	24.05	10.97	13.81	12.62	10.74	8.50
Gross Profit	105.44	79.80	72.21	48.98	66.61	47.15	39.87	37.57	32.86
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	61.52	34.35	34.01	55.29	24.66	23.37	19.75	18.80	17.98
Operating Expenses	66.38	64.12	67.04	83.77	32.98	41.92	45.92	33.77	35.82
Operating Income	38.43	15.69	5.85	-36.85	33.62	5.24	-6.05	3.80	-2.96
Other Income/Expense
Interest Income	185.53	162.64	125.87	82.75	67.10	53.34	50.49	46.16	38.99
Interest Expense	85.71	86.16	60.60	16.15	8.25	11.37	12.36	9.49	6.78
Other Income/Expense	-1.08	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	38.43	15.69	5.85	-36.85	33.62	5.24	-6.05	3.80	-2.96
Income Tax Expense	9.73	4.71	2.50	-6.85	8.21	1.38	-0.92	1.12	1.42
Net Income	27.58	10.97	3.35	-30.00	25.42	3.85	-5.13	2.68	-4.39
Net Income - Continuous Operations	28.70	10.97	3.35	-30.00	25.42	3.85	-5.13	2.68	-4.39
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	43.25	20.42	10.38	-32.58	36.10	7.75	-3.83	5.60	-1.34
EBIT	38.43	15.69	5.85	-36.85	33.62	-	-	-	-
Depreciation & Amortization	4.82	4.74	4.53	4.27	2.47	2.52	2.22	1.80	1.63
Earnings Per Share
Basic EPS	1.00	-	-	-1.00	2.00	-	-	-	-
Diluted EPS	1.00	-	-	-1.00	2.00	-	-	-	-
Basic Shares Outstanding	22.75	22.44	22.75	22.69	16.75	16.67	17.43	17.81	18.46
Diluted Shares Outstanding	23.06	22.55	22.82	22.69	16.79	16.68	17.43	17.81	18.46

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Ponce Financial Group Financial Statements

What was Ponce Financial Group's revenue in fiscal 2025?

Ponce Financial Group reported revenue of $105.44M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 37.0% from $167.29M a year earlier.

Is Ponce Financial Group profitable?

Yes. Ponce Financial Group earned net income of $27.58M in fiscal 2025, a net margin of 26.2%. In fiscal 2024 it earned $10.97M.

What is Ponce Financial Group's operating margin?

Ponce Financial Group's operating income was $38.43M on revenue of $105.44M in fiscal 2025, an operating margin of 36.4%, compared with 9.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition