PDLB

MKT CAP:$429M

Ponce Financial Group, Inc.

Market Cap

$429M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$17.57+$1.47 (+9.16%)

Apr 22, 2026

Company Details

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, r...

CEO

Carlos Naudon

IPO Date

Oct 2, 2017

Website

www.poncebank.com

Key Metrics TTM

Revenue

$197M

+14.1% YoY

Net Income

$31M

EPS (Diluted)

$1.30

Free Cash Flow

$48M

Revenue / Share

$8.44

Gross Margin

41.3%

Operating Margin

16.0%

Net Margin

15.9%

FCF Margin

24.6%

P/S

2.2x

P/E

13.7x

Earnings Reports

Q1 2026

Apr 24, 2026

NEW

$49M+5.8%EPS $0.36

FY 2025

Mar 12, 2026

$194M+16.1%EPS $1.19

Q4 2025

Mar 12, 2026

$52M+17.9%EPS $0.42

Q3 2025

Nov 5, 2025

$48M+15.4%EPS $0.27

Q2 2025

Aug 5, 2025

$48M+18.0%EPS $0.25

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$19M	$16M	$283.0K
Q3 22	$23M	$9M	-$16M
Q4 22	$25M	$4M	-$12M
Q1 23	$28M	$16M	$877.0K
Q2 23	$32M	$16M	-$302.0K
Q3 23	$39M	$21M	$4M
Q4 23	$36M	$20M	$960.0K
Q1 24	$41M	$20M	$4M
Q2 24	$40M	$20M	$4M
Q3 24	$42M	$19M	$3M
Q4 24	$44M	$21M	$4M
Q1 25	$46M	$24M	$8M
Q2 25	$48M	$25M	$8M
Q3 25	$48M	$25M	$9M
Q4 25	$52M	$31M	$15M
Q1 26	$49M	$0	$0

Valuation

Quarter	P/S	P/E
Q2 22	2.7x	19.7x
Q3 22	2.5x	—
Q4 22	2.6x	—
Q1 23	1.9x	—
Q2 23	1.8x	—
Q3 23	1.4x	—
Q4 23	1.5x	60.4x
Q1 24	1.3x	35.5x
Q2 24	1.3x	23.5x
Q3 24	1.7x	30.7x
Q4 24	1.7x	26.3x
Q1 25	1.7x	19.7x
Q2 25	1.7x	18.0x
Q3 25	1.8x	15.5x
Q4 25	1.9x	13.2x
Q1 26	1.9x	12.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$12M	$12M
Q2 22	$15M	$14M
Q3 22	-$12M	-$12M
Q4 22	-$4M	-$4M
Q1 23	$6M	$6M
Q2 23	-$6M	-$6M
Q3 23	$7M	$7M
Q4 23	$32M	$32M
Q1 24	$1M	-$315.0K
Q2 24	-$3M	-$3M
Q3 24	-$15M	-$15M
Q4 24	$23M	$22M
Q1 25	$13M	$13M
Q2 25	$6M	$6M
Q3 25	$1M	$2M
Q4 25	$28M	$28M

Capital Expenditures

Quarter	CapEx
Q1 22	$130.0K
Q2 22	$149.0K
Q3 22	$154.0K
Q4 22	$59.0K
Q1 23	$235.0K
Q2 23	$91.0K
Q3 23	$44.0K
Q4 23	$41.0K
Q1 24	$2M
Q2 24	$70.0K
Q3 24	$396.0K
Q4 24	$476.0K
Q1 25	$154.0K
Q2 25	$253.0K
Q3 25	$407.0K
Q4 25	$35.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-0.1%	+68.5%
Q3 22	+15.2%	+132.3%
Q4 22	+16.8%	+1642.7%
Q1 23	+36.3%	-10.8%
Q2 23	+70.9%	+75.1%
Q3 23	+68.6%	-10.6%
Q4 23	+43.4%	-5.3%
Q1 24	+46.4%	+37.2%
Q2 24	+25.5%	+10.8%
Q3 24	+8.0%	+12.6%
Q4 24	+24.1%	+14.7%
Q1 25	+13.2%	+3.1%
Q2 25	+18.0%	+10.2%
Q3 25	+15.4%	+2.0%
Q4 25	+17.9%	-6.0%
Q1 26	+5.8%	+28.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$731.0K	3.6%
Q2 22	$732.0K	3.9%
Q3 22	$736.0K	3.2%
Q4 22	$740.0K	3.0%
Q1 23	$666.0K	2.4%
Q2 23	$696.0K	2.2%
Q3 23	$666.0K	1.7%
Q4 23	$1M	2.8%
Q1 24	$814.0K	2.0%
Q2 24	$848.0K	2.1%
Q3 24	$921.0K	2.2%
Q4 24	$965.0K	2.2%
Q1 25	$1M	2.3%
Q2 25	$945.0K	2.0%
Q3 25	-$435.0K	-0.9%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$7M	$52.0K
Q3 22	$8M	$214.0K
Q4 22	$7M	$256.0K
Q1 23	$8M	$128.0K
Q2 23	$8M	$303.0K
Q3 23	$8M	$248.0K
Q4 23	$9M	$146.0K
Q1 24	$8M	$100.0K
Q2 24	$8M	$145.0K
Q3 24	$8M	$180.0K
Q4 24	$9M	$289.0K
Q1 25	$9M	$83.0K
Q2 25	$8M	$266.0K
Q3 25	$15M	$184.0K
Q4 25	$8M	$94.0K
Q1 26	$1M	$228.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$277M	$140M	$417M
Q3 22	$65M	$132M	$197M
Q4 22	$56M	$130M	$185M
Q1 23	$186M	$128M	$314M
Q2 23	$245M	$124M	$369M
Q3 23	$118M	$117M	$235M
Q4 23	$139M	$120M	$259M
Q1 24	$135M	$116M	$251M
Q2 24	$103M	$113M	$217M
Q3 24	$156M	$111M	$267M
Q4 24	$140M	$105M	$245M
Q1 25	$130M	$104M	$234M
Q2 25	$127M	$97M	$223M
Q3 25	$147M	$95M	$242M
Q4 25	$29M	$92M	$121M
Q1 26	$27M	$87M	$115M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	23M	+6.5%	+37.9%
Q3 22	23M	-0.1%	+36.5%
Q4 22	23M	+0.3%	+37.0%
Q1 23	23M	+0.7%	+7.4%
Q2 23	23M	-0.5%	+0.3%
Q3 23	22M	-3.7%	-3.2%
Q4 23	22M	+0.3%	-3.3%
Q1 24	22M	-0.2%	-4.1%
Q2 24	22M	+0.2%	-3.4%
Q3 24	23M	+0.9%	+1.2%
Q4 24	23M	+0.9%	+1.8%
Q1 25	23M	+0.3%	+2.3%
Q2 25	23M	+0.3%	+2.4%
Q3 25	23M	+0.8%	+2.3%
Q4 25	23M	+0.6%	+2.0%
Q1 26	23M	+0.3%	+2.0%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	—	—
Q3 22	—	—
Q4 22	—	—
Q1 23	—	—
Q2 23	—	—
Q3 23	—	—
Q4 23	—	—
Q1 24	—	—
Q2 24	—	—
Q3 24	—	—
Q4 24	$203.5K	218
Q1 25	$211.0K	218
Q2 25	$218.7K	218
Q3 25	$221.7K	218
Q4 25	$239.9K	218
Q1 26	$223.2K	218

Revenue / Employee