Saturday 17 October 2026 Export PDLB’s income statement to Excel — free account

Ponce Financial Group, Inc.

Ponce Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $194.9 million, up 14.8% from fiscal 2024. In the quarter to June 2026, revenue grew 11.0%, EPS grew 38.5%, free cash flow grew 35.8% and total debt rose 15.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

20.13 0.05 −0.25%

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Market cap: $488.1M
P/E: 14.2×
Fwd P/E: 1.8×
Dividend yield: —
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.18

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	1	—	—	—	—	—	—	—	—

Insider Ownership 14.76%

Capital & Financial Ratios $m

Market Cap 488.11

Revenue 204.52

Net Income 33.76

Free Cash Flow 57.64

Net Debt 481.09

Current Ratio 1.34

Debt/Equity 1.11

P/E ratio 14.18

Fwd P/E 1.80

P/S ratio 2.27

P/B ratio 1.38

Past 5Y EPS Growth 39.15%

This Y EPS Growth 37.50%

Next Y EPS Growth 7.27%

Next Y revenue growth (13.87%)

Next 5Y EPS Growth 45.61%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 26.10%

10-year low 10-year high

P/S against its own 10 years 70.45%

10-year low 10-year high

P/B against its own 10 years 97.53%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	139	140	126	140
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,063	2,455	2,747	3,043

	2023	2024	2025	Q'26
Payables	1,508	1,895	2,047	2,272
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,520	1,899	2,050	2,276

Compound Annual Growth %

	10y	5y	3y
Sales	18.38%	23.97%	29.78%
Cash Flow	26.66%	0.00%	78.35%
Earnings	27.04%	48.24%	0.00%
Book Value	19.52%	27.69%	3.20%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	51	53	—	—	—
’25	46	48	48	52	195
’24	41	41	42	45	170
’23	28	33	39	36	136
’22	21	19	23	25	89
’21	19	24	21	38	102
’20	14	13	21	19	67

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	14	8	—	—	—
’25	13	6	1	35	56
’24	1	(3)	(15)	23	7
’23	6	(6)	7	(1)	6
’22	12	15	(12)	(4)	10
’21	23	6	0	(9)	19
’20	1	(5)	1	(25)	(27)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	14	8	—	—	—
’25	13	6	1	35	55
’24	0	(3)	(15)	22	4
’23	6	(6)	7	(1)	6
’22	12	14	(12)	(4)	9
’21	21	9	(1)	23	52
’20	1	(5)	5	(25)	(25)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.36	0.35	—	—	—
’25	0.25	0.25	0.27	0.42	1.20
’24	0.11	0.14	0.10	0.12	0.46
’23	0.01	0.00	0.12	0.02	0.15
’22	(0.31)	0.03	(0.64)	(0.40)	(1.32)
’21	0.15	0.35	0.12	0.89	1.51
’20	(0.07)	(0.03)	0.24	0.10	0.23

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	10.39	8.97	8.90	5.24	6.73	9.04	6.51	7.89	10.88	Analyst estimates 2026–2028 Powerpack
	High	—	12.15	11.63	10.65	10.58	11.29	11.16	10.19	13.43	18.01
People
People	Employees	177	177	181	183	227	217	253	237	218	216
	Revenue/emp, $m	0.20	0.24	0.27	0.29	0.29	0.47	0.35	0.57	0.78	0.90
Income, $m
Income, $m	Revenue	36	42	49	53	67	102	89	136	170	195
	Gross margin, %	83.59	83.89	80.67	76.76	82.93	91.89	81.89	55.47	49.27	56.03
	EBT	2	(3)	4	(6)	5	34	(37)	6	16	38
	EBT margin, %	6.72	(7.04)	7.74	(11.38)	7.86	33.05	(41.32)	4.30	9.23	19.71
	Net income	1	(4)	3	(5)	4	25	(30)	3	11	29
	Depreciation	2	2	2	2	3	3	5	4	5	5
Per share, $
Per share, $	Revenue	1.40	2.37	2.76	3.05	3.99	6.08	3.93	5.98	7.57	8.57
	Earnings	0.06	(0.24)	0.15	(0.29)	0.23	1.52	(1.32)	0.15	0.46	1.21
	Cash flow	0.17	0.49	0.44	0.29	(1.65)	1.11	0.43	0.29	0.32	2.44
	Capex	(0.02)	(0.16)	(0.32)	(0.22)	0.17	2.00	(0.02)	(0.02)	(0.12)	(0.04)
	Free cash flow	0.15	0.33	0.12	0.07	(1.48)	3.11	0.41	0.27	0.20	2.40
	Book value	3.61	9.29	9.50	9.09	9.57	11.30	21.71	21.60	22.53	23.81
	Shares, m	26	18	18	17	17	17	23	23	22	23
Valuation, ×
Valuation, ×	P/E	186.25	0.00	60.87	0.00	31.38	6.84	0.00	63.12	27.66	13.51
	P/S	0.00	0.00	3.31	3.46	1.89	1.71	2.42	1.59	1.72	1.91
	P/B	0.00	0.00	0.96	1.16	0.79	0.92	0.81	0.81	1.04	1.17
	EV/Sales	(1.03)	(0.55)	3.30	4.90	2.56	1.24	7.61	5.59	4.40	4.32
	EV/FCF	(6.80)	(3.97)	76.36	211.76	(6.92)	2.43	72.93	125.17	166.42	15.41
Cash, $m
Cash, $m	Operating cash flow	4	9	8	5	(27)	19	10	6	7	56
	Capex	(1)	(3)	(6)	(4)	3	33	0	0	(3)	(1)
	Free cash flow	4	6	2	1	(25)	52	9	6	4	55
Balance, $m
Balance, $m	Working capital	16	148	182	206	218	267	311	543	556	696
	Total debt	3	36	69	104	117	106	517	684	596	596
	Net debt	(9)	(23)	0	77	45	(48)	463	545	456	470
	Shareholders’ equity	93	165	169	158	160	189	493	491	506	542
Returns, %
Returns, %	ROA	0.20	(0.53)	0.27	(0.48)	0.32	1.69	(1.51)	0.13	0.36	0.88
	ROIC	1.80	(1.31)	1.41	(1.61)	1.60	14.84	(2.41)	0.35	1.02	2.37
	ROE	1.55	(3.40)	1.60	(3.13)	2.42	14.57	(13.13)	1.26	3.78	9.24

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BWFG Bankwell Financial Group, Inc.	$519.5M	12.1×	9.9×	+9.58% (above 0%: growing)	+33.62% (above 0%: growing)	+64.68% (above 0%: growing)	59.05%	0.00%	Compare
HBCP Home Bancorp, Inc.	$518.5M	10.9×	11.0×	+1.51% (above 0%: growing)	+1.36% (above 0%: growing)	+15.46% (above 0%: growing)	74.76%	0.00%	Compare
BSRR Sierra Bancorp	$507.5M	11.6×	10.5×	−3.43% (below 0%: shrinking)	−1.28% (below 0%: shrinking)	+114.97% (above 0%: growing)	78.74%	0.00%	Compare
WTBA West Bancorporation, Inc.	$493.3M	12.9×	9.3×	+1.39% (above 0%: growing)	+38.30% (above 0%: growing)	+10.26% (above 0%: growing)	55.06%	0.00%	Compare
OBT Orange County Bancorp, Inc.	$492.5M	10.5×	10.3×	−16.27% (below 0%: shrinking)	+17.24% (above 0%: growing)	+491.65% (above 0%: growing)	81.95%	0.00%	Compare
COFS ChoiceOne Financial Services, Inc.	$492.3M	9.1×	8.8×	−2.56% (below 0%: shrinking)	−7.78% (below 0%: shrinking)	+165.17% (above 0%: growing)	70.71%	0.00%	Compare
PDLB Ponce Financial Group, Inc.	$488.1M	14.2×	1.8×	+10.97% (above 0%: growing)	+38.46% (above 0%: growing)	+35.79% (above 0%: growing)	59.40%	0.00%
FMAO Farmers & Merchants Bancorp Inc.	$483.7M	12.2×	10.0×	+7.70% (above 0%: growing)	+53.57% (above 0%: growing)	+2,792.25% (above 0%: growing)	67.25%	0.00%	Compare
CZNC Citizens & Northern Corp	$454.8M	17.3×	10.8×	+26.53% (above 0%: growing)	+97.50% (above 0%: growing)	+90.26% (above 0%: growing)	76.74%	0.00%	Compare
Median of peers	$492.9M	11.9×	10.1×	+1.45%	+25.43%	+102.62%	72.73%	0.00%

All 323 Banks Regional stocks →

Ponce Financial Group, Inc. (PDLB) key facts

Strength: Ponce Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $194.9 million, up 14.8% from fiscal 2024.
Ponce Financial Group, Inc. (PDLB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PDLB traded at $20.13, a market capitalization of $488.1 million.
Return on equity was 9.24% and debt-to-equity 1.11.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.