Financial health
- Total debt ($596M) exceeds cash ($126M); net debt is $470M.
PDLB Financials Ponce Financial Group, Inc.
7 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $28M | — | — | 5.1% | 0.9% | $55M | $596M | $126M |
| 2024 | — | $10M | — | — | 2.0% | 0.3% | $4M | $596M | $140M |
| 2023 | — | $3M | — | — | 0.7% | 0.1% | $6M | $684M | $139M |
| 2022 | — | -$30M | — | — | -6.1% | -1.3% | $9M | $517M | $54M |
| 2021 | — | $25M | — | — | 13.4% | 1.5% | $14M | — | $154M |
| 2020 | — | $4M | — | — | 2.4% | 0.3% | -$29M | — | $72M |
| 2019 | — | -$5M | — | — | -3.2% | — | $1M | — | — |
Net income
ROEROA
Equity
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Mar '26 | — | $9M | — | — | 1.6% | 0.3% | $14M | $571M | $117M |
| Dec '25 | — | $10M | — | — | 1.9% | 0.3% | $35M | $596M | $126M |
| Sep '25 | — | $7M | — | — | 1.2% | 0.2% | $786000 | $521M | $147M |
| Jun '25 | — | $6M | — | — | 1.2% | 0.2% | $6M | $536M | $127M |
| Mar '25 | — | $6M | — | — | 1.2% | 0.2% | $13M | $521M | $130M |
| Dec '24 | — | $3M | — | — | 0.6% | 0.1% | $22M | $596M | $140M |
| Sep '24 | — | $2M | — | — | 0.5% | 0.1% | -$15M | $580M | $156M |
| Jun '24 | — | $3M | — | — | 0.6% | 0.1% | -$3M | $680M | $103M |
| Mar '24 | — | $2M | — | — | 0.5% | 0.1% | -$315000 | $680M | $135M |
| Dec '23 | — | $518000 | — | — | 0.1% | 0.0% | -$897000 | $684M | $139M |
| Sep '23 | — | $3M | — | — | 0.5% | 0.1% | $7M | $675M | $117M |
| Jun '23 | — | -$87000 | — | — | -0.0% | -0.0% | -$6M | $682M | $244M |
| Mar '23 | — | $331000 | — | — | 0.1% | 0.0% | $6M | $648M | $185M |
| Dec '22 | — | -$9M | — | — | -1.9% | -0.4% | -$4M | $517M | $54M |
| Sep '22 | — | -$15M | — | — | -2.9% | -0.7% | -$12M | — | $63M |
| Jun '22 | — | $771000 | — | — | 0.1% | 0.0% | $14M | — | $275M |
| Mar '22 | — | -$7M | — | — | -2.3% | -0.4% | $12M | — | $69M |
| Dec '21 | — | $15M | — | — | 7.9% | 0.9% | -$6M | — | $154M |
| Sep '21 | — | $2M | — | — | 1.2% | — | -$1M | — | — |
| Jun '21 | — | $6M | — | — | 3.5% | — | $3M | — | — |
Valuation over time
How the market has priced PDLB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 66.4× (Jan '24) to 18.0× (Sep '26).
P/E
Frequently asked questions
Is PDLB growing its revenue and profit?
See the revenue and net-income charts above for Ponce Financial Group, Inc.'s multi-year trend.
How much debt does PDLB have?
As of FY2025, Ponce Financial Group, Inc. reported $596M of total debt against $126M of cash.
What is PDLB's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is PDLB's P/E ratio?
As of Sep '26, Ponce Financial Group, Inc. traded at a price-to-earnings ratio of about 18.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.