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Ponce Financial Group, Inc. PDLB Off-Balance-Sheet, Credit Loss, Liability

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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$494.88M+54.2%
Enterprise value$1.33B+26.6%
P/E14.7×-3.8×
P/S4.1×+0.7×

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:OffBalanceSheetCreditLossLiability.

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

At June 30, 2026 and December 31, 2025, the allowance for off-balance sheet credit losses was $3.0 million and $2.1 million, respectively, which is included in the "Other liabilities" on the Consolidated Statements of Financial Condition. During the three months ended June 30, 2026 and 2025, the Company had $0.4 million and $0.3 million charged for the provision for credit losses, respectively, and during the six months ending June 30, 2026 and 2025, $0.8 million charged for the provision for credit losses and $0.7 million in benefit for credit losses, respectively, for off-balance items, which are included in "Provision for loan losses" in the Consolidated Statements of Operations.

Item 1. Consolidated Financial Statements.

FAQ

What is Ponce Financial Group, Inc.'s off-balance-sheet, credit loss, liability?
Ponce Financial Group, Inc. (PDLB) reported off-balance-sheet, credit loss, liability of $3M in Q2 2026.
How has Ponce Financial Group, Inc.'s off-balance-sheet, credit loss, liability changed year-over-year?
Ponce Financial Group, Inc.'s off-balance-sheet, credit loss, liability increased by 42.2% year-over-year, from $2.11M to $3M.
What is the long-term trend for Ponce Financial Group, Inc.'s off-balance-sheet, credit loss, liability?
Over 4 years (2021 to 2025), Ponce Financial Group, Inc.'s off-balance-sheet, credit loss, liability has grown at a 74.0% compound annual growth rate (CAGR), from $229K to $2.1M.
What does off-balance-sheet, credit loss, liability mean?
Off-Balance-Sheet, Credit Loss, Liability

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