Ponce Financial Group, Inc. financial data

Symbol
PDLB on Nasdaq
Location
2244 Westchester Ave, Bronx, NY
Fiscal year end
December 31
Latest financial report
10-Q - Q3 2025 - Nov 5, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 501 % +5.45%
Return On Equity 4.15 % +141%
Return On Assets 0.69 % +130%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 24M shares +0.72%
Common Stock, Shares, Outstanding 24M shares +0.76%
Entity Public Float 195B USD +5.56%
Common Stock, Value, Issued 249K USD 0%
Weighted Average Number of Shares Outstanding, Basic 22.8M shares +1.43%
Weighted Average Number of Shares Outstanding, Diluted 23.1M shares +2.32%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 29.2M USD +140%
Income Tax Expense (Benefit) 7.7M USD +112%
Net Income (Loss) Attributable to Parent 21.5M USD +151%
Earnings Per Share, Basic 0 USD/shares +141%
Earnings Per Share, Diluted 0 USD/shares +138%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value 147M USD -5.93%
Deferred Income Tax Assets, Net 12.4M USD +4.7%
Property, Plant and Equipment, Net 16.1M USD -4.24%
Operating Lease, Right-of-Use Asset 28.3M USD -5%
Assets 3.16B USD +4.68%
Liabilities 2.63B USD +4.61%
Accumulated Other Comprehensive Income (Loss), Net of Tax -11.6M USD +8.67%
Retained Earnings (Accumulated Deficit) 125M USD +19.4%
Stockholders' Equity Attributable to Parent 530M USD +5%
Liabilities and Equity 3.16B USD +4.68%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities 13.1M USD +796%
Net Cash Provided by (Used in) Financing Activities 44.8M USD -39.6%
Net Cash Provided by (Used in) Investing Activities -67.8M USD +15.3%
Common Stock, Shares Authorized 200M shares 0%
Common Stock, Shares, Issued 24.9M shares 0%
Common Stock, Par or Stated Value Per Share 0.01 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect -9.95M USD -123%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 147M USD -5.93%
Interest Paid, Excluding Capitalized Interest, Operating Activities 20.9M USD -27%
Deferred Tax Assets, Valuation Allowance 10.2M USD -1.95%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 0.21 pure 0%
Deferred Tax Assets, Gross 32.5M USD -8.59%
Operating Lease, Liability 30M USD -4.2%
Payments to Acquire Property, Plant, and Equipment 154K USD -91.3%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent 22.6M USD +38.3%
Lessee, Operating Lease, Liability, to be Paid 39.7M USD -3.69%
Property, Plant and Equipment, Gross 32.2M USD +6.55%
Lessee, Operating Lease, Liability, to be Paid, Year Two 3.61M USD -2.93%
Lessee, Operating Lease, Liability, to be Paid, Year One 3.86M USD -0.13%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 pure 0%
Deferred Income Tax Expense (Benefit) -37K USD -106%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 9.64M USD -2.09%
Lessee, Operating Lease, Liability, to be Paid, Year Three 3.63M USD +1.91%
Deferred Tax Assets, Operating Loss Carryforwards 6.66M USD -18.1%
Preferred Stock, Shares Issued 225K shares 0%
Deferred Federal Income Tax Expense (Benefit) 773K USD
Preferred Stock, Shares Authorized 100M shares 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four 3.18M USD -11.6%
Preferred Stock, Shares Outstanding 225K shares 0%
Current State and Local Tax Expense (Benefit) 1.45M USD +32.7%
Current Federal Tax Expense (Benefit) 105K USD
Deferred State and Local Income Tax Expense (Benefit) 696K USD +80.1%
Interest Expense 76.4M USD +97.7%
Preferred Stock, Par or Stated Value Per Share 0.01 USD/shares 0%