Ponce Financial Group, Inc. (PDLB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	214.5M	194.3M	167.3M	134.5M	87.1M
Cost of Revenue	93.5M	88.4M	87.5M	61.6M	40.2M
Gross Profit	121.1M	105.9M	79.8M	72.9M	46.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	42.1M	40.3M	34.4M	34.0M	30.1M
General & Admin Expense	41.4M	39.6M	33.6M	33.2M	29.5M
Selling & Marketing Expense	656.0K	627.0K	714.0K	825.0K	593.0K
Other Expenses	29.2M	26.1M	29.8M	33.0M	53.7M
Total Operating Expenses	71.2M	66.4M	64.1M	67.0M	83.8M
Cost and Expenses	164.7M	154.8M	151.6M	128.6M	124.0M
Operating Income (EBIT)	49.8M	39.5M	15.7M	5.9M	(36.8M)
Non-Operating
Interest Income	206.6M	185.5M	162.6M	125.9M	82.8M
Interest Expense	86.4M	85.7M	86.2M	60.6M	16.1M
Net Interest Income	120.2M	99.8M	76.5M	65.3M	66.6M
Other Non-Op Income/Expense	(1.1M)	(1.1M)	—	—	—
Non-Operating Income (excl Interest)	(23.5M)	—	—	—	—
EBT (Pre-Tax Income)	48.8M	38.4M	15.7M	5.9M	(36.8M)
Income Tax Expense	3.3M	9.7M	4.7M	2.5M	(6.8M)
Bottom Line
Net Income	45.5M	28.7M	11.0M	3.4M	(30.0M)
Earnings from Cont. Ops	45.5M	28.7M	11.0M	3.4M	(30.0M)
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	44.4M	27.6M	10.3M	3.4M	(30.0M)
Per Share
Basic EPS	$1.93	$1.21	$0.46	$0.15	($1.32)
Diluted EPS	$1.89	$1.19	$0.46	$0.15	($1.32)
Revenue Per Share	$9.29	$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	23.7M	23.3M	22.6M	22.8M	22.7M
Profitability Metrics
EBITDA	77.1M	44.3M	20.4M	10.4M	(32.6M)
D&A	3.7M	4.8M	4.7M	4.5M	4.3M
EBIT	73.4M	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 Sep 1, 2026