# Ponce Financial Group Inc. (PDLB)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $442M  
**Price:** $19.18 (-0.98%)

> Ponce Financial Group Inc. is a bank holding company that provides a comprehensive range of financial services through Ponce Bank, its subsidiary. Established with a focus on serving the needs of its communities, Ponce Financial Group plays a significant role in the regional banking sector. The institution offers personal and commercial banking services, including savings accounts, checking accounts, mortgages, and business loans. Its operations are primarily concentrated in and around the New York metropolitan area, targeting a diverse clientele ranging from individuals to small-to-medium-sized enterprises. The group's emphasis on community banking enables it to deliver personalized financial solutions tailored to the distinct needs of its local client base. Ponce Financial Group is significant in that it underscores the importance of community-driven banking services in ensuring economic development at the local level. As a participant in the financial markets, Ponce Financial Group provides investors with exposure to the banking sector and by extension, the economic activities within its operational footprint.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $186M | — | — | $29M | — |
| 2024 | $163M | — | — | $11M | — |
| 2023 | $126M | — | — | $3M | — |
| 2022 | $83M | — | — | -$30M | — |
| 2021 | $67M | — | — | $25M | — |
| 2020 | $53M | — | — | $4M | — |
| 2019 | $50M | — | — | -$5M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $3.22B | $2.68B | $542M | $126M | $596M |
| 2024 | $3.04B | $2.53B | $506M | $140M | $596M |
| 2023 | $2.75B | $2.26B | $491M | $139M | $684M |
| 2022 | $2.31B | $1.82B | $493M | $54M | $517M |
| 2021 | $1.65B | $1.46B | $189M | $154M | — |
| 2020 | $1.36B | $1.20B | $160M | $72M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $56M | $978,000 | $55M |
| 2024 | $7M | $3M | $4M |
| 2023 | $6M | $411,000 | $6M |
| 2022 | $10M | $492,000 | $9M |
| 2021 | $19M | $4M | $14M |
| 2020 | -$28M | $2M | -$29M |
| 2019 | $5M | $4M | $1M |

Source: [CompaniesByCap](https://companiesbycap.com/company/PDLB)