PDLBNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Ponce Financial Group, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$20.03−0.10 (-0.50%)
Close on Oct 19, 2026
- Market cap
- $470.87M
- P/E (TTM)
- 14.3
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2018 to 2025
Net margin
26.3%+19.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +30.5% | +14.4% | +14.6% | – | |
| Net income | +161.6% | – | +49.4% | – | |
| EPS, diluted | +160.9% | – | +39.2% | – | |
| Free cash flow | +1115.3% | +80.4% | – | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 2.4% | 5.5% | |
| Return on assets | – | – | 0.9% | |
| Capex to revenue | – | 3.4% | 0.9% | |
| Diluted shares | – | 17M | 23M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Ponce Financial generated $97.65M from operations and spent $21.39M on capital expenditure, dividends and share buybacks. 41% of that went back into the business.
Generated
$97.65M
Used
$21.39M
Capital expenditure$8.77M41%Dividends$00%Share buybacks$12.62M59%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin26.3%
×Asset turnover0.03×
×Equity multiplier5.98×
=Return on equity, FY20255.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 26.3% | 0.03× | 5.98× | 5.5% |
| FY2024 | 13.1% | 0.03× | 5.81× | 2.2% |
| FY2023 | 4.4% | 0.03× | 5.14× | 0.7% |
| FY2022 | -41.1% | 0.04× | 5.81× | -8.8% |
| FY2021 | 27.2% | 0.06× | 8.63× | 14.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$28.70M
- Cash generatingOperating cash flow above zero$55.59M
- Return on assets improvedROA up on the prior year0.4% → 0.9%
- Earnings backed by cashOperating cash flow above net income$55.59M vs $28.70M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise23M → 23M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04