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Ponce Financial Group, Inc. PDLB Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Valley National BankVLY

31.4%+10.6pp

Greene County BancorpGCBC

44.3%+4.4pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

Citizens & NorthernCZNC

13.2%-11.4pp

CNB FinancialCCNE

26.5%+3.2pp

Other financials

Income statement

Revenue$30.3M+23.1%

Net income$8.6M+44.7%

EPS (diluted)$0.36+44.0%

Balance sheet

Cash & equivalents$27.4M-14.6%

Total debt$812.5M+8.0%

Total equity$551.4M+7.3%

Total assets$3.3B+6.8%

Cash flow

Operating cash flow$13.9M+6.1%

CapEx$47.0K-69.5%

Free cash flow$13.8M+7.0%

Valuation

Market cap$472.87M+49.4%

Enterprise value$1.26B+21.3%

P/E15.1×-6.7×

P/S4.1×+0.5×

Profitability

FCF margin48.3%+28.1pp

Returns & leverage

Return on equity5.9%+3.0pp

Debt / equity1.5×0.0×

Where this comes from

Calculated from Ponce Financial Group, Inc.’s reported figures.

net income/total revenue=27.3%

Based on trailing twelve months.

The official record: Ponce Financial Group, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ponce Financial Group, Inc.'s net margin?: Ponce Financial Group, Inc. (PDLB) reported net margin of 27.3% in Q1 2026.
How has Ponce Financial Group, Inc.'s net margin changed year-over-year?: Ponce Financial Group, Inc.'s net margin increased by 65.0% year-over-year, from 16.5% to 27.3%.
What is the long-term trend for Ponce Financial Group, Inc.'s net margin?: Over 5 years (2020 to 2025), Ponce Financial Group, Inc.'s net margin has grown at a 30.4% compound annual growth rate (CAGR), from 7% to 26.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.