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Ponce Financial Group, Inc. (PDLB)
Financial Services · Banks - Regional · NasdaqGM
Ponce Financial Group, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $70.97M | $73.87M | $81.14M | $108.32M |
| Gross profit | — | — | — | — | — | — | — |
| Net income | $-5.13M | $3.85M | $25.41M | $-30.00M | $3.35M | $10.97M | $28.70M |
| Net margin | — | — | — | -42.3% | 4.5% | 13.5% | 26.5% |
Source: Ponce Financial Group, Inc. SEC filings (10-K).
What growth is priced into PDLB stock?
At today's market cap of $462.96M, Ponce Financial Group, Inc. is priced for free-cash-flow growth of about -4.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $54.62M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of Ponce Financial Group, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Ponce Financial Group, Inc. financial history by metric
About Ponce Financial Group, Inc.
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It provides various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also offers real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
Ponce Financial Group, Inc. — frequently asked questions
What is Ponce Financial Group, Inc.'s revenue?
Ponce Financial Group, Inc. (PDLB) reported revenue of $108.32M for fiscal year 2025, up 33.5% from the prior year, according to its SEC filings.
Is Ponce Financial Group, Inc. profitable?
Yes. PDLB earned net income of $28.70M in fiscal 2025, a net margin of 26.5%.
What is PDLB's P/E ratio?
Ponce Financial Group, Inc. trades at a price-to-earnings ratio of about 14.6 based on the latest data in our nightly-refreshed cache.
How much debt does Ponce Financial Group, Inc. have?
As of fiscal year 2025, PDLB carried roughly $596.10M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Ponce Financial Group, Inc.'s market cap?
Ponce Financial Group, Inc. (PDLB) has a market capitalization of about $462.96M, based on the latest data in our nightly-refreshed cache.
When does Ponce Financial Group, Inc.'s fiscal year end?
PDLB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into PDLB stock?
At today's market cap of $462.96M, Ponce Financial Group, Inc. is priced for free-cash-flow growth of about -4.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $54.62M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Ponce Financial Group, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.