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Ponce Financial Group, Inc. PDLB Net Interest Income (After Provisions)

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Other financials

Income statement

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Revenue$31.6M+19.3%
Net income$8.5M+39.3%
EPS (diluted)$0.35+40.0%

Balance sheet

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Cash & equivalents$25.6M-28.5%
Total debt$862.0M+12.4%
Total equity$561.0M+7.7%
Total assets$3.5B+10.8%

Cash flow

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Operating cash flow$8.0M+30.3%
CapEx$3.0K-98.8%
Free cash flow$8.0M+35.8%

Valuation

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Market cap$485.45M+50.4%
Enterprise value$1.32B+25.5%
P/E14.4×-4.1×
P/S4.1×+0.6×

Profitability

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Net margin28.1%+9.6pp
FCF margin48%+20.1pp

Returns & leverage

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Return on equity6.2%+2.8pp
Debt / equity1.5×+0.1×

Where this comes from

Reported directly by Ponce Financial Group, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Ponce Financial Group, Inc.’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 10:53 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-334218
Line itemFor the Three Months Ended June 30, 2026For the Three Months Ended June 30, 2025For the Six Months Ended June 30, 2026For the Six Months Ended June 30, 2025
Total interest expense21,59121,43442,02743,228
Net interest income30,06124,42658,28746,629
Provision for credit losses (Note 3) (Note 5)2,1481,6263,8041,341
Net interest income after provision for credit losses27,91322,80054,48345,288
Non-interest income:
Service charges and fees6005111,1391,036
Brokerage commissions4
Late and prepayment charges1385308641,227

Item 1. Consolidated Financial Statements.

FAQ

What is Ponce Financial Group, Inc.'s net interest income (after provisions)?
Ponce Financial Group, Inc. (PDLB) reported net interest income (after provisions) of $27.91M in Q2 2026.
How has Ponce Financial Group, Inc.'s net interest income (after provisions) changed year-over-year?
Ponce Financial Group, Inc.'s net interest income (after provisions) increased by 22.4% year-over-year, from $22.8M to $27.91M.
What is the long-term trend for Ponce Financial Group, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Ponce Financial Group, Inc.'s net interest income (after provisions) has grown at a 14.4% compound annual growth rate (CAGR), from $56.13M to $96.03M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which is the expense set aside to cover expected future loan defaults. It provides a more accurate view of the bank's profitability after accounting for the inherent risk in its loan portfolio. It is a critical indicator of the bank's ability to maintain earnings while managing credit quality.

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