Ponce Financial Group, Inc. (PDLB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 28.23M | 27.93M | 25.25M | 24.43M | 22.2M | 20.73M | 19.02M | 17.9M | 18.82M | 17.2M | 16.54M | 16.28M | 15.24M | 16.17M | 17.61M | 15.49M | 17.34M | 16.78M | 15.44M | 13.73M |
| NII Growth % | 27.13% | 34.75% | 32.72% | 36.43% | 17.96% | 20.54% | 15% | 9.96% | 23.47% | 6.38% | -6.07% | 5.13% | -12.07% | -3.67% | 14.06% | 12.79% | 34.49% | 43.76% | 42.29% | 44.23% |
| Net Interest Margin % | 0.86% | 0.87% | 0.8% | 0.77% | 0.72% | 0.68% | 0.63% | 0.63% | 0.67% | 0.63% | 0.63% | 0.61% | 0.6% | 0.7% | 0.82% | 0.76% | 1.09% | 1.01% | 0.99% | 0.89% |
| Interest Income | 48.66M | 48.82M | 46.85M | 45.86M | 44M | 42.89M | 41.29M | 38.79M | 39.67M | 34.95M | 33.51M | 31.05M | 26.36M | 24.93M | 21.63M | 17.17M | 19.02M | 18.65M | 17.43M | 15.84M |
| Interest Expense | 20.44M | 20.89M | 21.6M | 21.43M | 21.79M | 22.16M | 22.27M | 20.89M | 20.84M | 17.75M | 16.96M | 14.77M | 11.11M | 8.77M | 4.02M | 1.68M | 1.68M | 1.87M | 1.99M | 2.11M |
| Loan Loss Provision | 1.66M | 0 | 1.36M | 1.63M | -285K | 1.68M | 537K | -932K | -16K | -2.27M | 926K | 987K | 811K | 12.64M | 9.85M | 817K | 1.27M | 873K | 572K | 586K |
| Non-Interest Income | 2.04M | 3.48M | 1.49M | 1.82M | 1.99M | 1.48M | 578K | 1.63M | 975K | 788K | 5.26M | 1.15M | 1.41M | -17K | 1.36M | 1.67M | 1.35M | 2.68M | 2.54M | 3.01M |
| Non-Interest Income % | 4.03% | 6.65% | 3.09% | 3.82% | 4.33% | 3.34% | 1.38% | 4.02% | 2.4% | 2.2% | 13.56% | 3.56% | 5.07% | -0.07% | 5.91% | 8.88% | 6.64% | 12.56% | 12.71% | 15.98% |
| Total Revenue | 50.7M | 52.3M | 48.34M | 47.68M | 45.99M | 44.37M | 41.87M | 40.42M | 40.64M | 35.74M | 38.76M | 32.2M | 27.76M | 24.92M | 22.99M | 18.84M | 20.37M | 21.33M | 19.96M | 18.86M |
| Revenue Growth % | 10.25% | 17.88% | 15.45% | 17.97% | 13.16% | 24.14% | 8.02% | 25.51% | 46.39% | 43.43% | 68.59% | 70.91% | 36.29% | 16.81% | 15.18% | -0.09% | 17.08% | 13.78% | 24.72% | 47.7% |
| Non-Interest Expense | 17.24M | 16.63M | 16.62M | 16.63M | 16.5M | 16.07M | 15.99M | 16.07M | 16.05M | 19.29M | 16.56M | 16.74M | 14.96M | 15.31M | 24.68M | 16.06M | 27.18M | -636K | 14.04M | 8.31M |
| Efficiency Ratio | 34% | 31.8% | 34.38% | 34.87% | 35.88% | 36.21% | 38.2% | 39.77% | 39.5% | 53.98% | 42.71% | 52% | 53.9% | 61.45% | 107.33% | 85.25% | 133.45% | -2.98% | 70.31% | 44.09% |
| Operating Income | 11.37M | 14.78M | 8.76M | 7.99M | 7.98M | 4.46M | 3.07M | 4.39M | 3.76M | 960K | 4.32M | -302K | 877K | -11.8M | -15.56M | 283K | -9.77M | 19.22M | 3.37M | 7.85M |
| Operating Margin % | 22.43% | 28.26% | 18.12% | 16.76% | 17.35% | 10.06% | 7.33% | 10.86% | 9.25% | 2.69% | 11.14% | -0.94% | 3.16% | -47.37% | -67.66% | 1.5% | -47.95% | 90.12% | 16.88% | 41.61% |
| Operating Income Growth % | 42.49% | 231% | 185.18% | 82.07% | 112.26% | 365.1% | -28.88% | 1553.31% | 328.73% | 108.13% | 127.75% | -206.71% | 108.98% | -161.4% | -561.66% | -96.39% | -406.78% | 810.23% | -34.64% | 1384.12% |
| Pretax Income | 11.37M | 13.7M | 8.76M | 7.99M | 7.98M | 4.46M | 3.07M | 4.39M | 3.76M | 960K | 4.32M | -302K | 877K | -11.8M | -15.56M | 283K | -9.77M | 19.22M | 3.37M | 7.85M |
| Pretax Margin % | 22.43% | 26.2% | 18.12% | 16.76% | 17.35% | 10.06% | 7.33% | 10.86% | 9.25% | 2.69% | 11.14% | -0.94% | 3.16% | -47.37% | -67.66% | 1.5% | -47.95% | 90.12% | 16.88% | 41.61% |
| Income Tax | 2.75M | 3.56M | 2.25M | 1.89M | 2.02M | 1.53M | 638K | 1.2M | 1.35M | 442K | 1.73M | -215K | 546K | -2.59M | -820K | -488K | -2.95M | 4.25M | 1.32M | 1.91M |
| Effective Tax Rate % | 24.17% | 26.02% | 25.69% | 23.66% | 25.34% | 34.31% | 20.77% | 27.27% | 35.8% | 46.04% | 40.02% | 71.19% | 62.26% | 21.94% | 5.27% | -172.44% | 30.18% | 22.08% | 39.11% | 24.39% |
| Net Income | 8.62M | 10.14M | 6.51M | 6.1M | 5.96M | 2.93M | 2.43M | 3.19M | 2.41M | 518K | 2.59M | -87K | 331K | -9.21M | -14.74M | 771K | -6.82M | 14.98M | 2.05M | 5.93M |
| Net Margin % | 17.01% | 19.38% | 13.46% | 12.79% | 12.96% | 6.61% | 5.81% | 7.9% | 5.94% | 1.45% | 6.68% | -0.27% | 1.19% | -36.98% | -64.1% | 4.09% | -33.48% | 70.22% | 10.28% | 31.46% |
| Net Income Growth % | 44.71% | 245.58% | 167.49% | 91.1% | 146.85% | 466.22% | -6.06% | 3768.97% | 629.31% | 105.62% | 117.57% | -111.28% | 104.85% | -161.51% | -818.23% | -87% | -378.14% | 820.09% | -48.82% | 1138.88% |
| Net Income (Continuing) | 8.62M | 10.14M | 6.51M | 6.1M | 5.96M | 2.93M | 2.43M | 3.19M | 2.41M | 518K | 2.59M | -87K | 331K | -9.21M | -14.74M | 771K | -6.82M | 14.98M | 2.05M | 5.93M |
| EPS (Diluted) | 0.36 | 0.42 | 0.27 | 0.25 | 0.25 | 0.12 | 0.10 | 0.14 | 0.11 | 0.02 | 0.12 | -0.00 | 0.01 | -0.40 | -0.64 | 0.03 | -0.31 | 0.89 | 0.12 | 0.35 |
| EPS Growth % | 44% | 250% | 183.61% | 78.57% | 127.27% | 419.48% | -20.67% | - | 674.65% | 105.77% | 118.75% | -111.11% | 104.58% | -144.94% | -633.33% | -90.49% | -306.67% | 790% | -50% | 1266.67% |
| EPS (Basic) | 0.36 | 0.43 | 0.27 | 0.26 | 0.25 | 0.12 | 0.10 | 0.14 | 0.11 | 0.02 | 0.12 | -0.00 | 0.01 | -0.40 | -0.64 | 0.03 | -0.31 | 0.89 | 0.12 | 0.35 |
| Diluted Shares Outstanding | 23.33M | 23.26M | 23.14M | 22.95M | 22.88M | 22.81M | 22.61M | 22.42M | 22.37M | 22.41M | 22.35M | 23.21M | 23.32M | 23.17M | 23.09M | 23.13M | 21.72M | 16.91M | 16.91M | 16.77M |