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Ponce Financial Group, Inc. PDLB Q3 2025 earnings

Reported October 24, 2025 · Before market open

Revenue$48.3M
EPS$0.27Beat by $0.05
EPS estimate$0.22

Next report

Oct 23, 2026 (in 3 months)
Revenue estimate$31.8M
EPS estimate$9.40

Financials

Q3 2025

Income statement

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Revenue$26.7M+32.5%
Net income$6.5M+167%
EPS (diluted)$0.27+170%

Balance sheet

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Cash & equivalents$29.3M-8.6%
Total debt$751.1M+13.5%
Total equity$529.8M+5.0%
Total assets$3.2B+4.7%

Cash flow

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Operating cash flow$1.4M+110%
CapEx$606.0K+53.0%
Free cash flow$786.0K+105%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$334.66M+27.7%
Enterprise value$1.06B+18.5%
P/E15.6×-15.0×
P/S3.3×0.0×

Profitability

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Net margin21.4%+10.6pp
FCF margin41.8%—

Returns & leverage

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Return on equity4.2%+2.4pp
Debt / equity1.4×+0.1×

FAQ

When did Ponce Financial Group, Inc. report Q3 2025 earnings?
Ponce Financial Group, Inc. (PDLB) reported Q3 2025 earnings on October 24, 2025 before market open.
What were Ponce Financial Group, Inc.'s Q3 2025 revenue and EPS?
Ponce Financial Group, Inc. reported revenue of $48.3M and eps of $0.27 for Q3 2025.
Did Ponce Financial Group, Inc. beat estimates in Q3 2025?
EPS beat the consensus estimate of $0.22 by $0.05.
How did Ponce Financial Group, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 146.6% from $19.6M a year earlier and eps grew 170.0% from $0.10.
Where can I find Ponce Financial Group, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-249382) and the 10-Q periodic report (0001193125-25-267220) directly on SEC EDGAR. The filing index links above go to sec.gov.