Ponce Financial Group, Inc. (PDLB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	204.5M	194.3M	167.3M	134.5M	87.1M
Cost of Revenue	89.7M	88.4M	87.5M	61.6M	40.2M
Gross Profit	114.8M	105.9M	79.8M	72.9M	46.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	40.9M	40.3M	34.4M	34.0M	30.1M
General & Admin Expense	40.2M	39.6M	33.6M	33.2M	29.5M
Selling & Marketing Expense	696.0K	627.0K	714.0K	825.0K	593.0K
Other Expenses	27.7M	26.1M	29.8M	33.0M	53.7M
Total Operating Expenses	68.6M	66.4M	64.1M	67.0M	83.8M
Cost and Expenses	158.3M	154.8M	151.6M	128.6M	124.0M
Operating Income (EBIT)	46.2M	39.5M	15.7M	5.9M	(36.8M)
Non-Operating
Interest Income	196.0M	185.5M	162.6M	125.9M	82.8M
Interest Expense	84.5M	85.7M	86.2M	60.6M	16.1M
Net Interest Income	111.5M	99.8M	76.5M	65.3M	66.6M
Other Non-Op Income/Expense	(1.1M)	(1.1M)	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	45.1M	38.4M	15.7M	5.9M	(36.8M)
Income Tax Expense	11.4M	9.7M	4.7M	2.5M	(6.8M)
Bottom Line
Net Income	33.8M	28.7M	11.0M	3.4M	(30.0M)
Earnings from Cont. Ops	33.8M	28.7M	11.0M	3.4M	(30.0M)
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	32.6M	27.6M	10.3M	3.4M	(30.0M)
Per Share
Basic EPS	$1.42	$1.21	$0.46	$0.15	($1.32)
Diluted EPS	$1.40	$1.19	$0.46	$0.15	($1.32)
Revenue Per Share	$8.87	$8.51	$7.46	$5.91	$3.84
Shares
Basic Shares Outstanding	23.1M	22.8M	22.4M	22.7M	22.7M
Diluted Shares Outstanding	23.5M	23.3M	22.6M	22.8M	22.7M
Profitability Metrics
EBITDA	51.0M	43.0M	20.4M	10.4M	(32.6M)
D&A	4.8M	3.5M	4.7M	4.5M	4.3M
EBIT	46.2M	39.5M	15.7M	5.9M	(36.8M)

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026