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Ponce Financial Group, Inc.

PDLB

Ponce Financial Group, Inc. • NASDAQ
$15.94 ▼ -0.19% (-0.03)
Market Cap $363.42 M
52w High $16.08
52w Low $10.88
Dividend Yield 0%
P/E 17.91
Volume 29.23K
Outstanding Shares 22.80M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $48.339M ▲ $16.618M ▼ $6.508M ▲ 13.463% ▲ $0.27 ▲ $9.855M ▲
Q2-2025 $47.679M ▲ $16.628M ▲ $6.1M ▲ 12.794% ▼ $0.26 ▲ $9.211M ▲
Q1-2025 $45.99M ▲ $16.5M ▲ $5.959M ▲ 12.957% ▲ $0.25 ▲ $9.188M ▲
Q4-2024 $44.366M ▲ $16.065M ▲ $2.933M ▲ 6.611% ▲ $0.12 ▲ $5.718M ▲
Q3-2024 $41.871M $15.993M $2.433M 5.811% $0.096 $4.295M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $241.65M ▲ $3.157B ▲ $2.627B ▼ $529.835M ▲
Q2-2025 $223.45M ▼ $3.154B ▲ $2.633B ▲ $521.088M ▲
Q1-2025 $233.712M ▼ $3.09B ▲ $2.576B ▲ $513.886M ▲
Q4-2024 $245.058M ▼ $3.04B ▲ $2.534B ▲ $505.5M ▲
Q3-2024 $267.066M $3.016B $2.511B $504.589M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $6.508M ▲ $1.392M ▼ $23.196M ▲ $-4.648M ▼ $19.94M ▲ $1.799M ▼
Q2-2025 $6.1M ▲ $6.174M ▼ $-61.408M ▲ $51.98M ▲ $-3.254M ▲ $5.921M ▼
Q1-2025 $5.959M ▲ $13.087M ▼ $-67.835M ▲ $44.802M ▲ $-9.946M ▲ $12.933M ▼
Q4-2024 $2.933M ▲ $22.867M ▲ $-68.778M ▲ $29.938M ▼ $-15.973M ▼ $22.391M ▲
Q3-2024 $2.433M $-14.563M $-96.736M $163.945M $52.646M $-14.959M

Revenue by Products

Product Q4-2021Q1-2022Q2-2022Q3-2022
Mortgage World
Mortgage World
 $0 ▲$0 ▲$0 ▲$0 ▲
Ponce Bank
Ponce Bank
 $20.00M ▲$20.00M ▲$20.00M ▲$20.00M ▲
Ponce Financial Group Inc
Ponce Financial Group Inc
 $0 ▲$0 ▲$0 ▲$0 ▲
P D L Community Bancorp
P D L Community Bancorp
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Ponce Financial Group’s revenue has been climbing steadily over the past five years, showing a bank that is gradually building its franchise. Profitability, however, has been uneven. The bank moved from small profits to a noticeable loss in 2022, then back to modest profitability in 2023 and 2024. That swing likely reflects one‑off issues and credit or partnership problems rather than a simple growth story. More recently, operating and net income have improved, but earnings are still relatively thin and can move around from year to year. Overall, the trend is better than it was, but the track record shows that results can be volatile and sensitive to missteps.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with total assets growing over the five‑year period, which signals a larger lending and deposit base. Equity has also risen, giving the bank a stronger capital cushion than it had earlier in the decade. At the same time, debt levels have increased, meaning growth is being supported by more borrowed funds and capital programs, which is common for a growing community bank but does raise sensitivity to funding costs and interest rates. Cash levels are moderate and fairly stable, suggesting no obvious liquidity stress, but also no large unused cash buffer. In short, the bank looks bigger and better capitalized than before, but also more leveraged and more exposed to the broader rate environment.

Cash Flow

Cash Flow Cash generation from operations has generally been positive in recent years, after a weak patch early in the period. Free cash flow has also been consistently positive, though small, reflecting a business that is not heavily dependent on physical investment. For a bank, most of the real “investment” is in loans rather than traditional capital spending, and those flows do not show up neatly in standard capex lines. Overall, the cash figures point to a business that is functioning normally as a bank: using deposits and funding to support lending, with no obvious pattern of chronic cash burn, but also without large excess cash being produced and stockpiled.

Competitive Edge

Competitive Edge Ponce occupies a focused niche as a mission‑driven community bank serving underserved and immigrant communities. Its dual status as a Minority Depository Institution and a Community Development Financial Institution gives it a real edge: access to special government capital programs, attraction of socially minded depositors, and a brand closely tied to community development. These features create customer loyalty and some insulation from pure price competition. On the other hand, Ponce is still a small player in a very crowded regional banking market, facing intense competition from larger banks, digital‑only players, and credit unions for both deposits and loans. Its specialization is a strength, but its size and geographic concentration mean it remains exposed to local economic conditions, regulatory changes, and funding competition.

Innovation and R&D

Innovation and R&D Innovation at Ponce is less about flashy new products and more about using technology to deepen customer relationships. The rollout of Salesforce’s customer platform and the launch of Ponce Bank Direct show a clear push into more personalized, digital banking for both traditional and branchless customers. The planned “sidecar core” with DCI is an important step that could make it easier for the bank to launch new digital services and work with fintech partners. At the same time, the failed partnership with Grain Technology and the fraud issues around that program highlight the risks of moving too fast with experimental credit models and external vendors. Overall, Ponce appears willing to innovate and learn from mistakes, but its track record shows that execution and risk management around fintech partnerships will be critical.

Summary

Ponce Financial Group today looks like a growing, community‑anchored bank that has moved past a difficult year and is trying to translate its mission and niche status into steadier, tech‑enabled growth. Revenue and profits are on an upward path, but the history of a sizable loss and thin margins underscores that results can be bumpy. The balance sheet has scaled up with higher capital and higher leverage, which is typical for a bank in expansion mode but ties performance more closely to interest rates and credit quality. Its clearest advantages are its MDI and CDFI designations, strong community ties, and increasing use of digital tools. Key uncertainties revolve around the consistency of earnings, the quality of the loan book (especially from past experiments), competition for deposits, and the successful rollout of new technology platforms and partnerships. The story is one of a specialized community bank trying to grow and modernize while staying true to its mission, with both meaningful opportunities and execution risks along the way.

NEWS

November 17, 2025 · 2:06 PM UTC

Ponce Bank Awarded $50,000 Through FHLBNY Small Business Recovery Grant Program

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October 24, 2025 · 8:00 AM UTC

Ponce Financial Group, Inc. Reports Third Quarter 2025 Results

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October 14, 2025 · 11:51 AM UTC

Ponce Financial Group announces that Ponce Bank has commenced operations as Ponce Bank, National Association

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