Filing Flows › Ponce Financial Group (PDLB) › Q3 2026 › vs Q3 2025
Ponce Financial Group (PDLB) Q3 2026 vs Q3 2025 (year over year)
Ponce Financial Group's revenue rose $8.1M (+30%) from $26.7M in Q3 2025 to $34.8M in Q3 2026. The biggest changes: Net interest income +$8.7M (+35%); Noninterest income −$642K (-43%). Operating margin 35.5% against 32.8% (+2.8 pts).
Ponce Financial Group, Q3 2026: revenue $34.8M (+30% year over year), operating margin 35.5%, net earnings $18.2M, operating cash flow $13.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.5% | 32.8% | +2.8 pts |
| Net margin | 52.4% | 24.3% | +28.0 pts |
| Free cash flow margin | 38.4% | 2.9% | +35.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $34.0M | $25.2M | $8.7M | +35% |
| Noninterest income | $850K | $1.5M | −$642K | -43% |
| Revenue | $34.8M | $26.7M | $8.1M | +30% |
| Operating profit | $12.4M | $8.8M | $3.6M | +41% |
| Costs & expenses | $22.5M | $18.0M | $4.5M | +25% |
| Pre-tax earnings | $12.4M | $8.8M | $3.6M | +41% |
| Credit loss provision | $3.2M | $1.4M | $1.9M | +136% |
| Noninterest expense | $19.2M | $16.6M | $2.6M | +16% |
| Income tax benefit | $5.9M | −$2.2M | $8.1M | — |
| Net earnings | $18.2M | $6.5M | $11.7M | +180% |
| Depreciation & amortization | $1.2M | $1.2M | $10K | +0.9% |
| Share-based compensation | $602K | $458K | $144K | +31% |
| Working capital & other | $6.6M | $6.7M | −$147K | -2% |
| Operating cash flow | $13.4M | $1.4M | $12.0M | +865% |
| Free cash flow (OCF − capex) | $13.4M | $786K | $12.6M | 17× |
| Capital expenditures | $45K | $606K | −$561K | -93% |
Questions
How much did Ponce Financial Group's revenue grow year over year in Q3 2026?
Ponce Financial Group's revenue rose $8.1M (+30%) from $26.7M in Q3 2025 to $34.8M in Q3 2026.
What drove Ponce Financial Group's revenue change in Q3 2026?
Net interest income +$8.7M (+35%); Noninterest income −$642K (-43%).