Ponce Financial Group (PDLB) releases Q4 2025 results and investor deck

Rhea-AI Filing Summary

Ponce Financial Group, Inc. filed a current report describing two investor-focused updates. The company issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, and furnished this release as Exhibit 99.1.

Ponce Financial also prepared an investor presentation for use with current and prospective investors after January 27, 2026. This presentation, furnished as Exhibit 99.2, will be made available at investor meetings and posted on the company’s website.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 27, 2026

Ponce Financial Group, Inc.

(Exact name of Registrant as Specified in Its Charter)

Maryland			001-41255	87-1893965
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
2244 Westchester Avenue
Bronx, New York				10462
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (718) 931-9000

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		PDLB		The Nasdaq Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 27, 2026, Ponce Financial Group, Inc. (the "Company"), the holding company for Ponce Bank, N.A. ("Ponce Bank" or the "Bank"), issued a press release announcing its financial results with respect to its fourth quarter ended December 31, 2025. The Company’s press release is included as Exhibit 99.1 to this report.

The information set forth in this Item 2.02 and in the attached Exhibit 99.1 is deemed to be “furnished” and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section.

Item 7.01 Regulation FD Disclosure.

The Company is scheduled to make presentations to current and prospective investors after January 27, 2026. Attached as Exhibit 99.2 of this Form 8-K is a copy of the presentation which Ponce Financial Group, Inc. will make available at these presentations and will post on its website at www.poncebank.com. This report is being furnished to the SEC and shall not be deemed "filed" for any purpose.

Item 9.01 Financial Statements and Exhibits.

(d)Exhibits.

Exhibit Number		Description
99.1		Press release dated January 27, 2026
99.2		Presentation of Ponce Financial Group
104		Cover Page Interactive Data File (embedded within the Inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			Ponce Financial Group, Inc.
Date:	January 27, 2026	By:	/s/ Carlos P. Naudon
			Carlos P. Naudon President and Chief Executive Officer

FAQ

What did Ponce Financial Group (PDLB) disclose in this 8-K?

Ponce Financial Group disclosed its fourth-quarter 2025 results via a press release and an investor presentation. Both documents are furnished as exhibits, giving investors access to updated financial performance information and management’s discussion materials.

Which period’s results does Ponce Financial Group (PDLB) address?

The company addresses its financial results for the fourth quarter ended December 31, 2025. These results are described in a press release furnished as Exhibit 99.1, allowing investors to review the most recent quarterly performance information.

How is Ponce Financial Group (PDLB) sharing information with investors?

The company is sharing information through a press release and an investor presentation. The press release covers fourth-quarter 2025 results, while the presentation, furnished as Exhibit 99.2, is used in meetings with current and prospective investors and posted on its website.

Are the Ponce Financial Group (PDLB) exhibits considered filed with the SEC?

The press release and investor presentation are furnished, not filed, with the SEC. This means they are provided for informational purposes and are not subject to certain liability provisions that apply to documents formally filed under the Exchange Act.

Where can investors find Ponce Financial Group’s (PDLB) new presentation?

Investors can access the presentation through meetings and the company’s website. The 8-K states that the Exhibit 99.2 presentation will be used in investor presentations after January 27, 2026 and posted at www.poncebank.com.

What exhibits are included in Ponce Financial Group’s (PDLB) 8-K?

The 8-K includes three exhibits: a press release, an investor presentation, and an interactive data file. Exhibit 99.1 is the press release, Exhibit 99.2 is the presentation, and Exhibit 104 is the cover page Inline XBRL data.