What is PONCE FINANCIAL GROUP INC's earnings per share (EPS)?

PONCE FINANCIAL GROUP INC (PDLB) reported diluted earnings per share of $1.20 for fiscal year 2025. This represents a 160.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

PONCE FINANCIAL GROUP INC Financials

PDLB

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows PONCE FINANCIAL GROUP INC (PDLB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PDLB FY2025 2026-05-07

Profit recovery came from better earnings extraction off a still-leveraged balance sheet, with cash generation finally catching accounting income.

Across the last two valid years, operating cash flow climbed from $6.5M to $55.6M. Because net income also moved from $3.4M to $27.6M, the turnaround looks less like a bookkeeping swing and more like a genuine improvement in how the balance sheet is converting assets into both earnings and cash.

Selling and admin expense was nearly flat at $30.7M and $31.4M across the same span. That means part of the profit expansion came from fixed-cost absorption: a larger earning base was supporting almost the same overhead, so growth had more room to reach the bottom line.

Long-term debt stayed at $596.1M while equity rose to $541.5M in FY2025. That is a quieter improvement than the income rebound, but it shows capital is being rebuilt through retained earnings instead of needing still more leverage to support the asset base.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of PONCE FINANCIAL GROUP INC's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

6/7

PONCE FINANCIAL GROUP INC passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.02x

For every $1 of reported earnings, PONCE FINANCIAL GROUP INC generates $2.02 in operating cash flow ($55.6M OCF vs $27.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$185.5M

YoY+14.1%

5Y CAGR+28.3%

PONCE FINANCIAL GROUP INC generated $185.5M in revenue in fiscal year 2025. This represents an increase of 14.1% from the prior year.

EBITDA

N/A

Net Income

$27.6M

YoY+166.9%

5Y CAGR+48.2%

PONCE FINANCIAL GROUP INC reported $27.6M in net income in fiscal year 2025. This represents an increase of 166.9% from the prior year.

EPS (Diluted)

$1.20

YoY+160.9%

5Y CAGR+39.2%

PONCE FINANCIAL GROUP INC earned $1.20 per diluted share (EPS) in fiscal year 2025. This represents an increase of 160.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$54.6M

YoY+1115.3%

PONCE FINANCIAL GROUP INC generated $54.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 1115.3% from the prior year.

Cash & Debt

$126.2M

YoY-9.8%

5Y CAGR+11.8%

PONCE FINANCIAL GROUP INC held $126.2M in cash against $596.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

24M

YoY+0.7%

5Y CAGR+7.1%

PONCE FINANCIAL GROUP INC had 24M shares outstanding in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

14.9%

YoY+8.5pp

5Y CAGR+7.6pp

PONCE FINANCIAL GROUP INC's net profit margin was 14.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 8.5 percentage points from the prior year.

Return on Equity

5.1%

YoY+3.0pp

5Y CAGR+2.7pp

PONCE FINANCIAL GROUP INC's ROE was 5.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$978K

YoY-64.0%

5Y CAGR-12.5%

PONCE FINANCIAL GROUP INC invested $978K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 64.0% from the prior year.

PDLB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$185.5M+14.1%	$162.6M+29.2%	$125.9M+52.1%	$82.8M+23.3%	$67.1M+25.8%	$53.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$31.4M+1.5%	$30.9M+0.7%	$30.7M+10.0%	$27.9M+20.0%	$23.3M+5.5%	$22.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$85.7M-0.6%	$86.2M+42.2%	$60.6M+275.3%	$16.1M+95.7%	$8.3M-27.4%	$11.4M
Income Tax	$9.7M+106.4%	$4.7M+88.4%	$2.5M+136.5%	-$6.8M-183.4%	$8.2M+494.0%	$1.4M
Net Income	$27.6M+166.9%	$10.3M+208.3%	$3.4M+111.2%	-$30.0M-218.0%	$25.4M+559.6%	$3.9M
EPS (Diluted)	$1.20+160.9%	$0.46+206.7%	$0.15+111.4%	$-1.32-187.4%	$1.51+556.5%	$0.23

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$48.7M-0.3%	$48.8M+4.2%	$46.8M+2.2%	$45.9M+4.2%	$44.0M+2.6%	$42.9M+3.9%	$41.3M+6.4%	$38.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$8.7M+6.8%	$8.1M+3.1%	$7.9M+3.2%	$7.6M-2.0%	$7.8M+1.5%	$7.7M-0.1%	$7.7M-0.6%	$7.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$20.4M-2.1%	$20.9M-3.4%	$21.6M+0.8%	$21.4M-1.7%	$21.8M-1.8%	$22.2M-0.3%	$22.3M+6.6%	$20.9M
Income Tax	$2.7M-22.9%	$3.6M+58.4%	$2.3M+19.0%	$1.9M-6.5%	$2.0M+32.0%	$1.5M+140.1%	$638K-46.7%	$1.2M
Net Income	$8.6M-4.3%	$9.0M+38.5%	$6.5M+6.7%	$6.1M+2.4%	$6.0M+159.6%	$2.3M-5.7%	$2.4M-23.8%	$3.2M
EPS (Diluted)	$0.36	N/A	$0.27+8.0%	$0.250.0%	$0.25	N/A	$0.10-28.6%	$0.14

PDLB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.2B+6.1%	$3.0B+10.5%	$2.8B+19.0%	$2.3B+39.8%	$1.7B+22.0%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$126.2M-9.8%	$139.8M+0.5%	$139.2M+156.1%	$54.4M-64.7%	$153.9M+113.5%	$72.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.7B+5.8%	$2.5B+12.2%	$2.3B+24.2%	$1.8B+24.2%	$1.5B+22.5%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$596.1M0.0%	$596.1M-12.9%	$684.4M+32.3%	$517.4M	N/A	N/A
Total Equity	$541.5M+7.1%	$505.5M+2.9%	$491.4M-0.3%	$492.7M+160.3%	$189.3M+18.6%	$159.5M
Retained Earnings	$135.3M+25.6%	$107.8M+10.6%	$97.4M+4.8%	$93.0M-24.4%	$123.0M+26.1%	$97.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$3.3B+2.4%	$3.2B+2.1%	$3.2B+0.1%	$3.2B+2.1%	$3.1B+1.6%	$3.0B+0.8%	$3.0B+6.1%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$117.2M-7.1%	$126.2M-13.9%	$146.6M+15.7%	$126.6M-2.5%	$129.9M-7.1%	$139.8M-10.3%	$155.8M+51.0%	$103.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.7B+2.5%	$2.7B+2.1%	$2.6B-0.2%	$2.6B+2.2%	$2.6B+1.6%	$2.5B+0.9%	$2.5B+7.1%	$2.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$571.1M-4.2%	$596.1M+14.4%	$521.1M-2.8%	$536.1M+2.9%	$521.1M-12.6%	$596.1M+2.7%	$580.4M-14.7%	$680.4M
Total Equity	$551.4M+1.8%	$541.5M+2.2%	$529.8M+1.7%	$521.1M+1.4%	$513.9M+1.7%	$505.5M+0.2%	$504.6M+1.4%	$497.7M
Retained Earnings	$143.7M+6.2%	$135.3M+7.9%	$125.5M+5.2%	$119.3M+5.1%	$113.4M+5.3%	$107.8M+2.5%	$105.1M+2.1%	$103.0M

PDLB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$55.6M+670.9%	$7.2M+11.1%	$6.5M-33.7%	$9.8M-47.2%	$18.6M+167.5%	-$27.5M
Capital Expenditures	$978K-64.0%	$2.7M+561.3%	$411K-16.5%	$492K-88.2%	$4.2M+119.3%	$1.9M
Free Cash Flow	$54.6M+1115.3%	$4.5M-26.1%	$6.1M-34.7%	$9.3M-35.3%	$14.4M+148.9%	-$29.4M
Investing Cash Flow	-$219.7M+25.5%	-$294.9M+11.4%	-$332.9M+57.2%	-$777.1M-268.0%	-$211.1M-3.2%	-$204.6M
Financing Cash Flow	$150.4M-47.8%	$288.3M-29.9%	$411.2M-38.4%	$667.7M+143.3%	$274.4M-0.8%	$276.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$11.0M	N/A	$1.6M-65.9%	$4.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$13.9M-60.3%	$34.9M+2410.1%	$1.4M-77.5%	$6.2M-52.8%	$13.1M-42.8%	$22.9M+257.0%	-$14.6M-470.4%	-$2.6M
Capital Expenditures	$47K+234.3%	-$35K-105.8%	$606K+139.5%	$253K+64.3%	$154K-67.6%	$476K+20.2%	$396K+465.7%	$70K
Free Cash Flow	$13.8M-60.4%	$34.9M+4341.0%	$786K-86.7%	$5.9M-54.2%	$12.9M-42.2%	$22.4M+249.7%	-$15.0M-470.3%	-$2.6M
Investing Cash Flow	-$84.9M+25.3%	-$113.7M-590.0%	$23.2M+137.8%	-$61.4M+9.5%	-$67.8M+1.4%	-$68.8M+28.9%	-$96.7M-96.2%	-$49.3M
Financing Cash Flow	$62.1M+6.5%	$58.3M+1354.4%	-$4.6M-108.9%	$52.0M+16.0%	$44.8M+49.6%	$29.9M-81.7%	$163.9M+708.1%	$20.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PDLB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	14.9%+8.5pp	6.3%+3.7pp	2.7%+38.9pp	-36.3%-74.1pp	37.9%+30.7pp	7.2%
Return on Equity	5.1%+3.0pp	2.0%+1.4pp	0.7%+6.8pp	-6.1%-19.5pp	13.4%+11.0pp	2.4%
Return on Assets	0.9%+0.5pp	0.3%+0.2pp	0.1%+1.4pp	-1.3%-2.8pp	1.5%+1.3pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.10-0.1	1.18-0.2	1.39+0.3	1.05-6.7	7.74+0.2	7.49
FCF Margin	29.4%+26.7pp	2.8%-2.1pp	4.8%-6.4pp	11.3%-10.2pp	21.4%+76.6pp	-55.1%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.7%-0.7pp	18.5%+4.6pp	13.9%+0.6pp	13.3%-0.2pp	13.5%+8.2pp	5.3%-0.5pp	5.9%-2.3pp	8.2%
Return on Equity	1.6%-0.1pp	1.7%+0.4pp	1.2%+0.1pp	1.2%+0.0pp	1.2%+0.7pp	0.4%-0.0pp	0.5%-0.2pp	0.6%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.2%+0.0pp	0.2%0.0pp	0.2%+0.1pp	0.1%0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.04-0.1	1.10+0.1	0.98-0.0	1.03+0.0	1.01-0.2	1.18+0.0	1.15-0.2	1.37
FCF Margin	28.4%-43.1pp	71.5%+69.8pp	1.7%-11.2pp	12.9%-16.5pp	29.4%-22.8pp	52.2%+88.4pp	-36.2%-29.5pp	-6.8%

Similar Companies

Bankwell Financi BWFG

$460.6M

$366.0M

$451.8M

$403.1M

$407.5M

Frequently Asked Questions

What is PONCE FINANCIAL GROUP INC's annual revenue?

PONCE FINANCIAL GROUP INC (PDLB) reported $185.5M in total revenue for fiscal year 2025. This represents a 14.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PONCE FINANCIAL GROUP INC's revenue growing?

PONCE FINANCIAL GROUP INC (PDLB) revenue grew by 14.1% year-over-year, from $162.6M to $185.5M in fiscal year 2025.

Is PONCE FINANCIAL GROUP INC profitable?

Yes, PONCE FINANCIAL GROUP INC (PDLB) reported a net income of $27.6M in fiscal year 2025, with a net profit margin of 14.9%.

How much debt does PONCE FINANCIAL GROUP INC have?

As of fiscal year 2025, PONCE FINANCIAL GROUP INC (PDLB) had $126.2M in cash and equivalents against $596.1M in long-term debt.

What is PONCE FINANCIAL GROUP INC's net profit margin?

PONCE FINANCIAL GROUP INC (PDLB) had a net profit margin of 14.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is PONCE FINANCIAL GROUP INC's return on equity (ROE)?

PONCE FINANCIAL GROUP INC (PDLB) has a return on equity of 5.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is PONCE FINANCIAL GROUP INC's free cash flow?

PONCE FINANCIAL GROUP INC (PDLB) generated $54.6M in free cash flow during fiscal year 2025. This represents a 1115.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is PONCE FINANCIAL GROUP INC's operating cash flow?

PONCE FINANCIAL GROUP INC (PDLB) generated $55.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are PONCE FINANCIAL GROUP INC's total assets?

PONCE FINANCIAL GROUP INC (PDLB) had $3.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are PONCE FINANCIAL GROUP INC's capital expenditures?

PONCE FINANCIAL GROUP INC (PDLB) invested $978K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does PONCE FINANCIAL GROUP INC have outstanding?

PONCE FINANCIAL GROUP INC (PDLB) had 24M shares outstanding as of fiscal year 2025.

What is PONCE FINANCIAL GROUP INC's debt-to-equity ratio?

PONCE FINANCIAL GROUP INC (PDLB) had a debt-to-equity ratio of 1.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is PONCE FINANCIAL GROUP INC's return on assets (ROA)?

PONCE FINANCIAL GROUP INC (PDLB) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is PONCE FINANCIAL GROUP INC's Piotroski F-Score?

PONCE FINANCIAL GROUP INC (PDLB) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are PONCE FINANCIAL GROUP INC's earnings high quality?

PONCE FINANCIAL GROUP INC (PDLB) has an earnings quality ratio of 2.02x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is PONCE FINANCIAL GROUP INC?

PONCE FINANCIAL GROUP INC (PDLB) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.