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.
PDLB Q4 FY2025 Key Financial Metrics
Revenue
$31.4M
Gross Profit
N/A
Operating Profit
$13.7M
Net Profit
$10.1M
Gross Margin
N/A
Operating Margin
43.6%
Net Margin
36.3%
YoY Growth
37.6%
EPS
$0.43
Ponce Financial Group, Inc. Q4 FY2025 Financial Summary
Ponce Financial Group, Inc. reported revenue of $31.4M (up 37.6% YoY) for Q4 FY2025, with a net profit of $10.1M (up 245.6% YoY) (36.3% margin).
Key Financial Metrics
| Total Revenue | $31.4M |
|---|---|
| Net Profit | $10.1M |
| Gross Margin | N/A |
| Operating Margin | 43.6% |
| Report Period | Q4 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).
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 |