PDLB - NASDAQ
Ponce Financial Group, Inc.
$19.09
-3.1%Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
At a Glance
Live SnapshotPonce Financial Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.
Ponce Financial Group, Inc. Income Statement
PDLB • NASDAQ
| Ponce Financial Group, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||
194.3M | 167.3M | 134.5M | 87.1M | 77.6M | 61M | 52.5M | 48.3M | 41.4M | 35.3M | 35.3M | |
GROSS PROFIT | |||||||||||
(88.4M) | (87.5M) | (61.6M) | (40.2M) | (11M) | (13.8M) | (12.6M) | (10.7M) | (8.5M) | (5.9M) | (6M) | |
105.9M | 79.8M | 72.9M | 46.9M | 66.6M | 47.2M | 39.9M | 37.6M | 32.9M | 29.4M | 29.3M | |
OPERATING INCOME | |||||||||||
(66.4M) | (64.1M) | (67M) | (83.8M) | (33M) | (41.9M) | (45.9M) | (33.8M) | (35.8M) | (27M) | (25.5M) | |
(40.3M) | (34.4M) | (34M) | (30.1M) | (24.7M) | (23.4M) | (19.7M) | (18.8M) | (18M) | (16.5M) | (15.1M) | |
39.5M | 15.7M | 5.9M | -36.8M | 33.6M | 5.2M | -6M | 3.8M | -3M | 2.4M | 3.8M | |
PRE-TAX INCOME | |||||||||||
(85.7M) | (86.2M) | (60.6M) | (16.1M) | (8.3M) | (11.4M) | (12.4M) | (9.5M) | (6.8M) | (5.9M) | (5.7M) | |
99.8M | 76.5M | 65.3M | 66.6M | 58.8M | 42M | 38.1M | 36.7M | 32.2M | 27.8M | 27.9M | |
(26.1M) | (29.8M) | (33M) | (53.7M) | (8.3M) | (18.5M) | (26.2M) | (15M) | (17.8M) | (10.5M) | (10.4M) | |
-1.1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
38.4M | 15.7M | 5.9M | -36.8M | 33.6M | 5.2M | -6M | 3.8M | -3M | 2.4M | 3.8M | |
NET INCOME | |||||||||||
(9.7M) | (4.7M) | (2.5M) | -6.8M | (8.2M) | (1.4M) | -924K | (1.1M) | (1.4M) | (1M) | (1.3M) | |
28.7M | 11M | 3.4M | -30M | 25.4M | 3.9M | -5.1M | 2.7M | -4.4M | 1.4M | 2.5M |
SEC Filings
PDLB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 22, 2026 | June 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 05, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 24, 2025 | October 24, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 14, 2025 | October 14, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 06, 2025 | June 30, 2025 | 2025 |
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