Ponce Financial Group, Inc.PDLBEarnings & Financial Report
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
Revenue
$24.6M
Gross Profit
N/A
Operating Profit
$8.0M
Net Profit
$6.0M
Gross Margin
N/A
Operating Margin
32.5%
Net Margin
24.2%
YoY Growth
19.7%
EPS
$0.25
Ponce Financial Group, Inc. Q1 FY2025 Financial Summary
Ponce Financial Group, Inc. reported revenue of $24.6M (up 19.7% YoY) for Q1 FY2025, with a net profit of $6.0M (up 146.9% YoY) (24.2% margin).
Key Financial Metrics
| Total Revenue | $24.6M |
|---|---|
| Net Profit | $6.0M |
| Gross Margin | N/A |
| Operating Margin | 32.5% |
| Report Period | Q1 FY2025 |
Ponce Financial Group, Inc. Annual Revenue by Year
Ponce Financial Group, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $109.2M).
| Year | Annual Revenue |
|---|---|
| 2025 | $109.2M |
| 2024 | $83.7M |
| 2023 | $65.3M |
| 2022 | $66.6M |
Ponce Financial Group, Inc. Quarterly Revenue & Net Profit History
Ponce Financial Group, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $31.4M | +37.6% | $10.1M | 36.3% |
| Q3 FY2025 | $26.7M | +32.5% | $6.5M | 24.3% |
| Q2 FY2025 | $26.5M | +31.4% | $6.1M | 23.0% |
| Q1 FY2025 | $24.6M | +19.7% | $6.0M | 24.2% |
| Q4 FY2024 | $22.8M | +23.5% | $2.9M | 14.1% |
| Q3 FY2024 | $20.2M | -9.0% | $2.4M | 12.1% |
| Q2 FY2024 | $20.2M | +13.4% | $3.2M | 15.8% |
| Q1 FY2024 | $20.5M | +20.3% | $2.4M | 11.8% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.5M | $20.2M | $20.2M | $22.8M | $24.6M | $26.5M | $26.7M | $31.4M |
| YoY Growth | 20.3% | 13.4% | -9.0% | 23.5% | 19.7% | 31.4% | 32.5% | 37.6% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.82B | $2.84B | $3.02B | $3.04B | $3.09B | $3.15B | $3.16B | $3.22B |
| Liabilities | $2.33B | $2.34B | $2.51B | $2.53B | $2.58B | $2.63B | $2.63B | $2.68B |
| Equity | $493.7M | $497.7M | $504.6M | $505.5M | $513.9M | $521.1M | $529.8M | $541.5M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $1.5M | $-2.6M | $-14.6M | $7.2M | $13.1M | $6.2M | $1.4M | $55.6M |