Ponce Financial Group (PDLB)
Runs Ponce Bank across deposits, real-estate lending, SBA lending, and securities.
$20.35
At close+0.43 (+2.16%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39 | 36 | 41 | 40 | 42 | 44 | 46 | 48 | 48 | 52 | 51 | 53 |
| Cost of revenue | 18 | 15 | 21 | 20 | 23 | 24 | 22 | 23 | 23 | 21 | 22 | 24 |
| Gross profit | 21 | 20 | 20 | 20 | 19 | 21 | 24 | 25 | 25 | 31 | 29 | 29 |
| 17 | 19 | 16 | 16 | 16 | 16 | 17 | 17 | 17 | 17 | 17 | 18 | |
| 8 | 9 | 9 | 9 | 8 | 9 | 9 | 9 | 15 | 8 | 2 | 16 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 8 | 9 | 8 | 8 | 8 | 9 | 9 | 8 | 15 | 8 | 1 | 16 |
| Other expenses | 8 | 10 | 7 | 8 | 8 | 7 | 8 | 8 | 2 | 8 | 16 | 2 |
| Operating income | 4 | 1 | 4 | 4 | 3 | 4 | 8 | 8 | 9 | 15 | 11 | 11 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −1 | 0 | 0 | |
| Interest income | 34 | 35 | 40 | 39 | 41 | 43 | 44 | 46 | 47 | 49 | 49 | 52 |
| Interest expense | 17 | 18 | 21 | 21 | 22 | 22 | 22 | 21 | 22 | 21 | 20 | 22 |
| Income before tax | 4 | 1 | 4 | 4 | 3 | 4 | 8 | 8 | 9 | 14 | 11 | 11 |
| Income tax expense | 2 | 0 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 4 | 3 | 3 |
| Net income from continuing operations | 3 | 1 | 2 | 3 | 2 | 3 | 6 | 6 | 7 | 10 | 9 | 8 |
| Net income | 3 | 1 | 2 | 3 | 2 | 3 | 6 | 6 | 7 | 10 | 9 | 8 |
| EPS, basic | $0.12 | $0.02 | $0.11 | $0.14 | $0.10 | $0.12 | $0.25 | $0.26 | $0.27 | $0.43 | $0.36 | $0.36 |
| EPS, diluted | $0.12 | $0.02 | $0.11 | $0.14 | $0.10 | $0.12 | $0.25 | $0.25 | $0.27 | $0.42 | $0.36 | $0.35 |
| Weighted average shares, basic | 22 | 22 | 22 | 22 | 22 | 23 | 23 | 23 | 23 | 23 | 23 | 23 |
| Weighted average shares, diluted | 22 | 22 | 22 | 22 | 23 | 23 | 23 | 23 | 23 | 23 | 23 | 24 |
| EBITDA | 5 | 2 | 4 | 6 | 4 | 6 | 9 | 9 | 10 | 16 | 13 | 13 |
| Depreciation & amortization | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| EBIT | 4 | 1 | 4 | 4 | 3 | 4 | 8 | 8 | 9 | 15 | 11 | 11 |