Ponce Financial Group, Inc. (PDLB) Income Statement
PDLB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsPDLB revenue and net income
Where PDLB's revenue goes
2025Each bar shows an amount and its share of revenue. PDLB kept 14.8% of revenue as net income.
PDLB profit margins
PDLB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +16.1% | +30.7% | +26.1% | +18.6% |
| Gross profit | +32.7% | +31.2% | +17.6% | +13.7% |
| Operating income | +151.9% | — | +49.8% | +26.3% |
| Net income | +161.6% | — | +49.4% | +27.6% |
| EPS (diluted) | +153.2% | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
PDLB quarterly EPS vs estimates
Ponce Financial beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 23, 2026 (estimate $9.40).
PDLB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $194.3M | $167.3M | $134.5M | $87.1M | $77.6M | $61.0M | $52.5M | $48.3M | $41.4M | $35.3M |
| Cost of revenue | $88.4M | $87.5M | $61.6M | $40.2M | $11.0M | $13.8M | $12.6M | $10.7M | $8.5M | $5.9M |
| Gross profit | $105.9M | $79.8M | $72.9M | $46.9M | $66.6M | $47.1M | $39.9M | $37.6M | $32.9M | $29.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | — |
| Sales, general & admin | $40.3M | $34.4M | $34.0M | $30.1M | $24.7M | $23.4M | $19.7M | $18.8M | $18.0M | $16.5M |
| Total operating expenses | $66.4M | $64.1M | $67.0M | $83.8M | $33.0M | $41.9M | $45.9M | $33.8M | $35.8M | $27.0M |
| Operating income | $39.5M | $15.7M | $5.9M | −$36.8M | $33.6M | $5.2M | −$6.0M | $3.8M | −$3.0M | $2.4M |
| Interest income | $185.5M | $162.6M | $115.8M | $82.8M | $67.1M | $53.3M | $50.5M | $46.2M | $39.0M | $33.7M |
| Interest expense | $85.7M | $86.2M | $60.6M | $16.1M | $8.3M | $11.4M | $12.4M | $9.5M | $6.8M | $5.9M |
| Income before taxes | $38.4M | $15.7M | $5.9M | −$36.8M | $33.6M | $5.2M | −$6.0M | $3.8M | −$3.0M | $2.4M |
| Income taxes | $9.7M | $4.7M | $2.5M | −$6.8M | $8.2M | $1.4M | −$924,000 | $1.1M | $1.4M | $1.0M |
| Net income | $28.7M | $11.0M | $3.4M | −$30.0M | $25.4M | $3.9M | −$5.1M | $2.7M | −$4.4M | $1.4M |
| EBITDA | $44.3M | $20.4M | $10.4M | −$32.6M | $36.1M | $7.8M | −$3.8M | $5.6M | −$1.3M | $4.2M |
| EPS (diluted) | $1.19 | $0.47 | $0.14 | −$1.29 | $1.09 | −$0.03 | $0.11 | $0.19 | −$0.24 | $0.17 |
| Gross margin | 54.5% | 47.7% | 54.2% | 53.9% | 85.9% | 77.3% | 76.0% | 77.8% | 79.4% | 83.4% |
| Operating margin | 20.3% | 9.4% | 4.4% | −42.3% | 43.3% | 8.6% | −11.5% | 7.9% | −7.2% | 6.9% |
| Net margin | 14.8% | 6.6% | 2.5% | −34.4% | 32.8% | 6.3% | −9.8% | 5.5% | −10.6% | 4.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53.2M | $50.7M | $52.3M | $48.3M | $47.7M | $46.0M | $44.4M | $41.9M | $40.4M | $40.6M | $35.7M | $38.8M |
| Cost of revenue | $23.7M | $22.1M | $20.9M | $23.0M | $23.1M | $21.5M | $23.8M | $22.8M | $20.0M | $20.8M | $15.5M | $17.9M |
| Gross profit | $29.4M | $28.6M | $31.4M | $25.4M | $24.6M | $24.5M | $20.5M | $19.1M | $20.5M | $19.8M | $20.3M | $20.9M |
| Sales, general & admin | $16.4M | $1.6M | $8.2M | $14.7M | $8.7M | $8.6M | $9.3M | $8.3M | $8.6M | $8.6M | $8.8M | $8.2M |
| Total operating expenses | $18.1M | $17.2M | $16.6M | $16.6M | $16.6M | $16.5M | $16.1M | $16.0M | $16.1M | $16.1M | $19.3M | $16.6M |
| Operating income | $11.3M | $11.4M | $14.8M | $8.8M | $8.0M | $8.0M | $4.5M | $3.1M | $4.4M | $3.8M | $960,000 | $4.3M |
| Interest income | $51.7M | $48.7M | $48.8M | $46.8M | $45.9M | $44.0M | $42.9M | $41.3M | $38.8M | $39.7M | $35.0M | $33.5M |
| Interest expense | $21.6M | $20.4M | $20.9M | $21.6M | $21.4M | $21.8M | $22.2M | $22.3M | $20.9M | $20.8M | $17.8M | $17.0M |
| Income before taxes | $11.3M | $11.4M | $13.7M | $8.8M | $8.0M | $8.0M | $4.5M | $3.1M | $4.4M | $3.8M | $960,000 | $4.3M |
| Income taxes | $2.8M | $2.7M | $3.6M | $2.2M | $1.9M | $2.0M | $1.5M | $638,000 | $1.2M | $1.3M | $442,000 | $1.7M |
| Net income | $8.5M | $8.6M | $10.1M | $6.5M | $6.1M | $6.0M | $2.9M | $2.4M | $3.2M | $2.4M | $518,000 | $2.6M |
| EBITDA | $12.5M | $12.6M | $16.0M | $9.9M | $9.2M | $9.2M | $5.7M | $4.3M | $6.0M | $4.4M | $2.2M | $5.3M |
| EPS (diluted) | $0.35 | $0.36 | $0.42 | $0.27 | $0.25 | $0.25 | $0.12 | $0.10 | $0.14 | $0.11 | $0.01 | $0.12 |
| Gross margin | 55.4% | 56.4% | 60.1% | 52.5% | 51.6% | 53.2% | 46.3% | 45.5% | 50.6% | 48.8% | 56.7% | 53.8% |
| Operating margin | 21.3% | 22.4% | 28.3% | 18.1% | 16.8% | 17.4% | 10.1% | 7.3% | 10.9% | 9.3% | 2.7% | 11.1% |
| Net margin | 16.0% | 17.0% | 19.4% | 13.5% | 12.8% | 13.0% | 6.6% | 5.8% | 7.9% | 5.9% | 1.4% | 6.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in PDLB's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
PDLB financial results
In fiscal year 2025 (ended December 31, 2025), Ponce Financial reported revenue of $194.3 million, up 16.1% from the year before. It had net income of $28.7 million (up 161.6%), a net profit margin of 14.8%. Diluted earnings per share came to $1.19. Over five years revenue grew at an average rate of 26.1% a year.
See the PDLB stock overview for the latest quote and news, or the PDLB chart for price history and technical indicators.
PDLB income statement FAQ
What is Ponce Financial's annual revenue?
Ponce Financial reported total revenue of $194.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 16.1% from $167.3 million the previous year.
Is Ponce Financial profitable?
Yes. Ponce Financial reported net income of $28.7 million in fiscal 2025, a net profit margin of 14.8%; its operating margin was 20.3%.
What is Ponce Financial's gross margin?
Ponce Financial's gross margin was 54.5% in fiscal 2025: for every $100 of revenue, Ponce Financial kept $54 after the direct cost of its products and services.
How fast is Ponce Financial growing?
Revenue grew 26.1% a year on average over the last five fiscal years, from $61.0 million to $194.3 million.
What are Ponce Financial's earnings per share?
Ponce Financial earned $1.19 per diluted share in fiscal 2025, compared with $0.47 a year earlier.
When will Ponce Financial report its next earnings?
Ponce Financial is expected to report results for the quarter ending September 30, 2026 on October 23, 2026.
When does Ponce Financial's fiscal year end?
Ponce Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.