# Ponce Financial Group, Inc.: financial statements, quarterly

PDLB · Nasdaq · CIK 1874071 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/pdlb.md) · [Financials](/companies/pdlb/financials.md) · [Filings](/companies/pdlb/filings.md) · [Insiders](/companies/pdlb/insiders.md)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/pdlb/financials.md?period=annual).

## Income statement

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Interest expense | $m | [17.0](/filings/0000950170-23-061983.md) | [17.8 d](/filings/0000950170-25-038826.md) | [20.8](/filings/0000950170-24-057132.md) | [20.9](/filings/0000950170-24-094045.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [1.7](/filings/0000950170-24-123404.md) | [0.4](/filings/0000950170-24-033436.md) | [1.3](/filings/0000950170-25-064503.md) | [1.2](/filings/0000950170-25-103249.md) | [0.6](/filings/0001193125-25-267220.md) | [1.5 d](/filings/0001193125-26-104610.md) | [2.0](/filings/0001193125-26-209832.md) | [1.9](/filings/0001193125-26-334218.md) | [2.3](/filings/0001193125-25-267220.md) | [3.6 d](/filings/0001193125-26-104610.md) | [2.7](/filings/0001193125-26-209832.md) | [2.8](/filings/0001193125-26-334218.md) |
| Net income | $m | [2.6](/filings/0000950170-24-123404.md) | [0.5](/filings/0000950170-24-033436.md) | [2.4](/filings/0001193125-25-267220.md) | [3.2](/filings/0001193125-25-267220.md) | [2.4](/filings/0001193125-25-267220.md) | [2.9 d](/filings/0001193125-26-104610.md) | [6.0](/filings/0001193125-26-334218.md) | [6.1](/filings/0001193125-26-334218.md) | [6.5](/filings/0001193125-25-267220.md) | [10.1 d](/filings/0001193125-26-104610.md) | [8.6](/filings/0001193125-26-334218.md) | [8.5](/filings/0001193125-26-334218.md) |
| Diluted EPS | $ per share | [0.12](/filings/0000950170-24-123404.md) | [0.02](/filings/0000950170-24-033436.md) | [0.11](/filings/0000950170-25-064503.md) | [0.14](/filings/0000950170-25-103249.md) | [0.10](/filings/0001193125-25-267220.md) | not reported | [0.25](/filings/0001193125-26-209832.md) | [0.25](/filings/0001193125-26-334218.md) | [0.27](/filings/0001193125-25-267220.md) | not reported | [0.36](/filings/0001193125-26-209832.md) | [0.35](/filings/0001193125-26-334218.md) |
| Basic EPS | $ per share | [0.12](/filings/0000950170-24-123404.md) | [0.02](/filings/0000950170-24-033436.md) | [0.11](/filings/0000950170-25-064503.md) | [0.14](/filings/0000950170-25-103249.md) | [0.10](/filings/0001193125-25-267220.md) | not reported | [0.25](/filings/0001193125-26-209832.md) | [0.26](/filings/0001193125-26-334218.md) | [0.27](/filings/0001193125-25-267220.md) | not reported | [0.36](/filings/0001193125-26-209832.md) | [0.36](/filings/0001193125-26-334218.md) |

- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | Q3 FY2023 (2023-09-30) | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $m | [117](/filings/0000950170-23-061983.md) | [139](/filings/0000950170-25-038826.md) | [135](/filings/0000950170-24-057132.md) | [103](/filings/0000950170-24-094045.md) | [156](/filings/0000950170-24-123404.md) | [140](/filings/0001193125-26-104610.md) | [130](/filings/0000950170-25-064503.md) | [127](/filings/0000950170-25-103249.md) | [147](/filings/0001193125-25-267220.md) | [126](/filings/0001193125-26-334218.md) | [117](/filings/0001193125-26-209832.md) | [140](/filings/0001193125-26-334218.md) |
| Total assets | $m | [2,624](/filings/0000950170-23-061983.md) | [2,751](/filings/0000950170-25-038826.md) | [2,819](/filings/0000950170-24-057132.md) | [2,842](/filings/0000950170-24-094045.md) | [3,016](/filings/0000950170-24-123404.md) | [3,040](/filings/0001193125-26-104610.md) | [3,090](/filings/0000950170-25-064503.md) | [3,154](/filings/0000950170-25-103249.md) | [3,157](/filings/0001193125-25-267220.md) | [3,224](/filings/0001193125-26-334218.md) | [3,301](/filings/0001193125-26-209832.md) | [3,495](/filings/0001193125-26-334218.md) |
| Total liabilities | $m | [2,139](/filings/0000950170-23-061983.md) | [2,259](/filings/0000950170-25-038826.md) | [2,325](/filings/0000950170-24-057132.md) | [2,344](/filings/0000950170-24-094045.md) | [2,511](/filings/0000950170-24-123404.md) | [2,534](/filings/0001193125-26-104610.md) | [2,576](/filings/0000950170-25-064503.md) | [2,633](/filings/0000950170-25-103249.md) | [2,627](/filings/0001193125-25-267220.md) | [2,682](/filings/0001193125-26-334218.md) | [2,749](/filings/0001193125-26-209832.md) | [2,934](/filings/0001193125-26-334218.md) |
| Long-term debt | $m | [675](/filings/0000950170-23-061983.md) | [684](/filings/0000950170-25-038826.md) | [680](/filings/0000950170-24-057132.md) | [680](/filings/0000950170-24-094045.md) | [580](/filings/0000950170-24-123404.md) | [596](/filings/0001193125-26-104610.md) | [521](/filings/0000950170-25-064503.md) | [536](/filings/0000950170-25-103249.md) | [521](/filings/0001193125-25-267220.md) | [596](/filings/0001193125-26-334218.md) | [571](/filings/0001193125-26-209832.md) | [621](/filings/0001193125-26-334218.md) |
| Shareholders' equity | $m | [485](/filings/0000950170-24-123404.md) | [491](/filings/0001193125-26-104610.md) | [494](/filings/0001193125-25-267220.md) | [498](/filings/0001193125-25-267220.md) | [505](/filings/0001193125-25-267220.md) | [506](/filings/0001193125-26-334218.md) | [514](/filings/0001193125-26-334218.md) | [521](/filings/0001193125-26-334218.md) | [530](/filings/0001193125-25-267220.md) | [542](/filings/0001193125-26-334218.md) | [551](/filings/0001193125-26-334218.md) | [561](/filings/0001193125-26-334218.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Long-term debt: us-gaap:LongTermDebt
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [7.1 d](/filings/0000950170-24-123404.md) | [(0.9) d](/filings/0001193125-26-104610.md) | [1.5](/filings/0000950170-25-064503.md) | [(2.6) d](/filings/0000950170-25-103249.md) | [(14.6) d](/filings/0001193125-25-267220.md) | [22.9 d](/filings/0001193125-26-104610.md) | [13.1](/filings/0001193125-26-209832.md) | [6.2 d](/filings/0001193125-26-334218.md) | [1.4 d](/filings/0001193125-25-267220.md) | [34.9 d](/filings/0001193125-26-104610.md) | [13.9](/filings/0001193125-26-209832.md) | [8.0 d](/filings/0001193125-26-334218.md) |
| Capital expenditure | $m | [0.0 d](/filings/0000950170-24-123404.md) | [0.0 d](/filings/0001193125-26-104610.md) | [1.8](/filings/0000950170-25-064503.md) | [0.1 d](/filings/0000950170-25-103249.md) | [0.4 d](/filings/0001193125-25-267220.md) | [0.5 d](/filings/0001193125-26-104610.md) | [0.2](/filings/0001193125-26-209832.md) | [0.3 d](/filings/0001193125-26-334218.md) | [0.6 d](/filings/0001193125-25-267220.md) | [(0.0) d](/filings/0001193125-26-104610.md) | [0.0](/filings/0001193125-26-209832.md) | [0.0 d](/filings/0001193125-26-334218.md) |
| Share repurchases | $m | [5.8 d](/filings/0000950170-24-123404.md) | [0.0 d](/filings/0001193125-26-104610.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [23.3](/filings/0000950170-24-057132.md) | [23.2](/filings/0000950170-24-094045.md) | [22.3](/filings/0000950170-24-123404.md) | [22.4](/filings/0000950170-24-033436.md) | [22.4](/filings/0000950170-25-064503.md) | [22.4](/filings/0000950170-25-103249.md) | [22.6](/filings/0001193125-25-267220.md) | [22.9](/filings/0001193125-26-209832.md) | [22.9](/filings/0001193125-26-334218.md) | [23.1](/filings/0001193125-25-267220.md) | [23.3](/filings/0001193125-26-209832.md) | [23.5](/filings/0001193125-26-334218.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 24,187,901 at 2026-08-04, from the cover of the [10-Q filed 2026-08-05](/filings/0001193125-26-334218.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 24, 2026, 15:49 ET. No prices; not investment advice.