Ponce Financial Group, Inc.
PDLB Nasdaq Savings Institution, Federally Chartered Financials FY2019–FY2025
Last close · Oct 23, 2026
$20.62
0.7%
Revenue
Total sales reported in the income statement.
$109M
30.5%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
61.4%
19.2 pts
Net income
Profit after all expenses, interest and tax.
$28.7M
161.6%
Return on equity
Net income as a share of average shareholders' equity.
5.5%
3.3 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$485M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
14.6x
On $1.41 EPS (TTM)
What Ponce Financial Group, Inc. does
No business description yet.
- Legal name
- Ponce Financial Group, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001193125-26-104610
0001874071
Revenue and margins
Ponce Financial Group, Inc. had $109M of revenue in fiscal 2025, up 30.5% on the year before.
FY19
Revenue $40.8M
FY20
Revenue $55.2M
FY21
Revenue $93.5M
FY22
Revenue $73.0M
FY23
Revenue $75.5M
FY24
Revenue $83.7M
FY25
Revenue $109M
Q3 '23
Revenue $22.2M
Q4 '23
Revenue $18.5M
Q1 '24
Revenue $20.5M
Q2 '24
Revenue $20.2M
Q3 '24
Revenue $20.2M
Q4 '24
Revenue $22.8M
Q1 '25
Revenue $24.6M
Q2 '25
Revenue $26.5M
Q3 '25
Revenue $26.7M
Q4 '25
Revenue $31.4M
Q1 '26
Revenue $30.3M
Q2 '26
Revenue $31.6M
FY19
Net interest share 93.4%
Efficiency ratio 114.2%
FY20
Net interest share 76.0%
Efficiency ratio 86.1%
FY21
Net interest share 62.9%
Efficiency ratio 61.1%
FY22
Net interest share 91.2%
Efficiency ratio 117.5%
FY23
Net interest share 86.5%
Efficiency ratio 87.9%
FY24
Net interest share 91.4%
Efficiency ratio 80.6%
FY25
Net interest share 91.4%
Efficiency ratio 61.4%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 74.6%
Efficiency ratio 78.1%
Q4 '23
Net interest share 93.0%
Efficiency ratio 96.8%
Q1 '24
Net interest share 91.7%
Efficiency ratio 81.8%
Q2 '24
Net interest share 88.8%
Efficiency ratio 82.5%
Q3 '24
Net interest share 94.3%
Efficiency ratio 82.1%
Q4 '24
Net interest share 90.8%
Efficiency ratio 76.5%
Q1 '25
Net interest share 90.3%
Efficiency ratio 68.7%
Q2 '25
Net interest share 92.2%
Efficiency ratio 63.7%
Q3 '25
Net interest share 94.4%
Efficiency ratio 62.1%
Q4 '25
Net interest share 88.9%
Efficiency ratio 53.0%
Q1 '26
Net interest share 93.3%
Efficiency ratio 57.0%
Q2 '26
Net interest share 95.2%
Efficiency ratio 57.4%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY19
Net income −$5.1M
FY20
Net income $3.9M
FY21
Net income $25.4M
FY22
Net income −$30.0M
FY23
Net income $3.4M
FY24
Net income $11.0M
FY25
Net income $28.7M
Q3 '23
Net income $2.6M
Q4 '23
Net income $0.5M
Q1 '24
Net income $2.4M
Q2 '24
Net income $3.2M
Q3 '24
Net income $2.4M
Q4 '24
Net income $2.9M
Q1 '25
Net income $6.0M
Q2 '25
Net income $6.1M
Q3 '25
Net income $6.5M
Q4 '25
Net income $10.1M
Q1 '26
Net income $8.6M
Q2 '26
Net income $8.5M
FY19
Diluted EPS −$0.29
FY20
Diluted EPS $0.23
FY21
Diluted EPS $1.51
FY22
Diluted EPS −$1.32
FY23
Diluted EPS $0.15
FY24
Diluted EPS $0.46
FY25
Diluted EPS $1.20
Q3 '23
Diluted EPS $0.12
Q4 '23
Diluted EPS $0.02
Q1 '24
Diluted EPS $0.11
Q2 '24
Diluted EPS $0.14
Q3 '24
Diluted EPS $0.10
Q4 '24
Diluted EPS $0.11
Q1 '25
Diluted EPS $0.25
Q2 '25
Diluted EPS $0.25
Q3 '25
Diluted EPS $0.27
Q4 '25
Diluted EPS $0.43
Q1 '26
Diluted EPS $0.36
Q2 '26
Diluted EPS $0.35
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY19
ROE −3.2%
ROTE −3.2%
Efficiency ratio 114.2%
FY20
ROE 2.4%
ROTE 2.4%
Efficiency ratio 86.1%
FY21
ROE 14.6%
ROTE 13.4%
Efficiency ratio 61.1%
FY22
ROE −8.8%
ROTE −6.1%
Efficiency ratio 117.5%
FY23
ROE 0.7%
ROTE 0.7%
Efficiency ratio 87.9%
FY24
ROE 2.2%
ROTE 2.0%
Efficiency ratio 80.6%
FY25
ROE 5.5%
ROTE 5.1%
Efficiency ratio 61.4%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Ponce Financial Group, Inc. returned — to shareholders in fiscal 2025. The diluted share count rose 2.3%.
FY19
Dividends —
Buybacks $15.8M
FY20
Dividends —
Buybacks $4.7M
FY21
Dividends —
Buybacks $1.6M
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks $11.0M
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks —
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $5.8M
Q4 '23
Dividends —
Buybacks $0.0M
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks —
Q2 '26
Dividends —
Buybacks —
Dividends
Buybacks
FY19
Diluted shares 0.02B
FY20
Diluted shares 0.02B
FY21
Diluted shares 0.02B
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.02B
FY24
Diluted shares 0.02B
FY25
Diluted shares 0.02B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY19
Loans $966M
Deposits —
FY20
Loans $1.2B
Deposits $1.0B
FY21
Loans $1.3B
Deposits $1.2B
FY22
Loans $1.5B
Deposits $1.3B
FY23
Loans $1.9B
Deposits $1.5B
FY24
Loans —
Deposits $1.9B
FY25
Loans —
Deposits $2.0B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.3B | $1.5B | $1.9B | — | — |
| Deposits | $1.2B | $1.3B | $1.5B | $1.9B | $2.0B |
| Loans / deposits | 108.3% | 119.2% | 125.8% | — | — |
| Total assets | $1.7B | $2.3B | $2.8B | $3.0B | $3.2B |
| Shareholders' equity | $189M | $493M | $491M | $506M | $542M |
| Provision / loans | 0.2% | 1.6% | 0.2% | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
7 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | $40.8M | $55.2M | $93.5M | $73.0M | $75.5M | $83.7M | $109M |
| Net interest income | $38.1M | $42.0M | $58.8M | $66.6M | $65.3M | $76.5M | $99.8M |
| Noninterest income | $2.7M | $13.2M | $34.6M | $6.4M | $10.2M | $7.2M | $9.4M |
| Noninterest expense | $46.6M | $47.5M | $57.1M | $85.8M | $66.4M | $67.5M | $67.0M |
| Provision for credit losses | $0.3M | $2.4M | $2.7M | $24.0M | $3.3M | $0.6M | $3.8M |
| Interest expense | $12.4M | $11.4M | $8.3M | $16.1M | $60.6M | $86.2M | $85.7M |
| Pretax income | −$6.0M | $5.2M | $33.6M | −$36.8M | $5.9M | $15.7M | $38.4M |
| Income tax | −$0.9M | $1.4M | $8.2M | −$6.8M | $2.5M | $4.7M | $9.7M |
| Net income | −$5.1M | $3.9M | $25.4M | −$30.0M | $3.4M | $11.0M | $28.7M |
| Net income to common | — | — | — | −$30.0M | $3.4M | $10.3M | $27.6M |
| Diluted EPS | −$0.29 | $0.23 | $1.51 | −$1.32 | $0.15 | $0.46 | $1.20 |
| Diluted shares | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B |
| Cash flow | |||||||
| Cash from operations | $5.0M | −$27.5M | $18.6M | $9.8M | $6.5M | $7.2M | $55.6M |
| Capital expenditure | $3.8M | $1.9M | $4.2M | $0.5M | $0.4M | $2.7M | $1.0M |
| Free cash flow | $1.2M | −$29.4M | $14.4M | $9.3M | $6.1M | $4.5M | $54.6M |
| Depreciation and amortization | $2.2M | $2.5M | $2.5M | $4.3M | $4.5M | $4.7M | $4.8M |
| Stock-based compensation | $1.3M | $1.4M | $1.4M | $1.6M | $1.9M | $2.1M | $1.9M |
| Acquisitions | — | $1.0M | — | — | — | — | — |
| Share buybacks | $15.8M | $4.7M | $1.6M | — | $11.0M | — | — |
| Dividends and buybacks | $15.8M | $4.7M | $1.6M | — | $11.0M | — | — |
| Balance sheet | |||||||
| Cash and short-term investments | $27.7M | $72.1M | $154M | $54.4M | $139M | $140M | $126M |
| Total debt | — | — | — | $517M | $684M | $596M | $596M |
| Loans, net | $966M | $1.2B | $1.3B | $1.5B | $1.9B | — | — |
| Deposits | — | $1.0B | $1.2B | $1.3B | $1.5B | $1.9B | $2.0B |
| Property and equipment, net | — | $32.0M | $19.6M | $17.4M | $16.1M | $16.8M | $15.6M |
| Total assets | — | $1.4B | $1.7B | $2.3B | $2.8B | $3.0B | $3.2B |
| Total liabilities | — | $1.2B | $1.5B | $1.8B | $2.3B | $2.5B | $2.7B |
| Preferred stock | — | — | — | $225M | $225M | $225M | $225M |
| Shareholders' equity | $158M | $160M | $189M | $493M | $491M | $506M | $542M |
| Margins | |||||||
| Net margin | −12.6% | 7.0% | 27.2% | −41.1% | 4.4% | 13.1% | 26.3% |
| FCF margin | 3.0% | −53.2% | 15.4% | 12.7% | 8.1% | 5.4% | 50.0% |
| Net interest share of revenue | 93.4% | 76.0% | 62.9% | 91.2% | 86.5% | 91.4% | 91.4% |
| Efficiency ratio | 114.2% | 86.1% | 61.1% | 117.5% | 87.9% | 80.6% | 61.4% |
| Returns | |||||||
| Return on equity | −3.2% | 2.4% | 14.6% | −8.8% | 0.7% | 2.2% | 5.5% |
| Return on assets | — | 0.3% | 1.7% | −1.5% | 0.1% | 0.4% | 0.9% |
| Return on tangible equity | −3.2% | 2.4% | 13.4% | −6.1% | 0.7% | 2.0% | 5.1% |
| Growth | |||||||
| Revenue growth | — | 35.3% | 69.3% | −21.9% | 3.4% | 10.9% | 30.5% |
| Net income growth | — | — | 559.6% | −218.0% | — | 227.3% | 161.6% |
| EPS growth | — | — | 556.5% | −187.4% | — | 206.7% | 160.9% |
| FCF growth | — | −2,490.4% | — | −35.3% | −34.7% | −26.1% | 1,115.3% |
| Share count change | — | −4.3% | 0.7% | 35.1% | 0.6% | −1.2% | 2.3% |
| Financial health | |||||||
| Debt / equity | — | — | — | 1.1x | 1.4x | 1.2x | 1.1x |
| Loans / deposits | — | 112.5% | 108.3% | 119.2% | 125.8% | — | — |
| Provision / loans | 0.0% | 0.2% | 0.2% | 1.6% | 0.2% | — | — |
| Capital allocation | |||||||
| Capex / revenue | 9.3% | 3.4% | 4.5% | 0.7% | 0.5% | 3.2% | 0.9% |
| Stock comp / revenue | 3.1% | 2.5% | 1.5% | 2.1% | 2.5% | 2.5% | 1.8% |
| Payouts / FCF | 1,281.5% | — | 11.2% | — | 181.0% | — | — |
| Quality scores | |||||||
| Piotroski F-score | — | — | — | — | 4.0 | 6.0 | 6.0 |
| Accruals ratio | — | 2.3% | 0.5% | −2.0% | −0.1% | 0.1% | −0.9% |
Source: SEC EDGAR XBRL filings (CIK 0001874071). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.