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Ponce Financial Group (PDLB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Ponce Financial Group (PDLB) Q3 2026 earnings results →
Q3 2026 Revenue up 30% year over year to $34.8M · 52¢ of every $1 of revenue kept as net profit · operating margin 35.5%
Ponce Financial Group made $34.8M in Q3 2026 (+30% Y/Y): Net interest income $34.0M, Noninterest income $850K. Operating margin 35.5%, net earnings $18.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
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What changed this quarter
Revenue was $34.8M in Q3 2026, up 30% year over year and up 10% from the previous quarter. Net interest income was the largest line at 98% of revenue. Net interest income added $8.7M year over year (up 35%), 108% of the total change. Noninterest income declined 43%.
Operating profit was $12.4M, a 35.5% margin (up 2.8 points year over year). Of the extra revenue versus a year earlier, 45% reached operating profit, above the 33% margin then. Total costs grew 25% against revenue growth of 30%. The fastest-growing cost line was Credit loss provision (+136%). Net earnings were $18.2M, up 180% year over year. The effective tax rate was -47.4%.
Operating cash flow was $13.4M (up 865% year over year), 74% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $602K of share-based compensation. Working capital and other items used $6.6M. Capital expenditures of $45K left free cash flow of $13.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $34.8M | +30% | 35.5% | $18.2M | $13.4M |
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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📈Investments: gains and what it boughtinteractive
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About Ponce Financial Group
Ponce Financial Group, Inc. (hereafter referred to as “we,” “our,” “us,” “Ponce Financial Group, Inc.,” or the “Company”), is a financial holding company and the holding company of Ponce Bank, National Association (“Ponce Bank” or the “Bank”), a national bank. The Company is authorized to pursue other business activities permitted by applicable laws and regulations for financial holding companies, which may include the acquisition of banking and financial services companies. The Company’s cash flow is dependent on earnings from investments and any dividends received from Ponce Bank. Ponce Financial Group, Inc. does not own nor lease any property, but instead uses the premises, equipment and furniture of Ponce Bank. At the present time, the Company employs only persons who are officers of Ponce Bank to serve as officers of Ponce Financial Group, Inc.
In its own words, from its 10-K, filed Mar 13, 2026.
Ponce Financial Group against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +30% against the peers' median +8%. Operating margin: 35.5% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| FMAO Farmers & Merchants Bancorp | Q3 2026 | $34.8M | +11% | 40.8% |
Source: Ponce Financial Group 10-Q on SEC EDGAR · CIK 1874071 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns PDLB and who is buying
More on PDLB
History
Every quarter: Q3 2026 results