Filing Flows › Ponce Financial Group (PDLB) › Q3 2026
Ponce Financial Group (PDLB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Ponce Financial Group (PDLB) reported revenue of $34.8M for the third quarter 2026 (Q3 2026), +30% from a year earlier and +10% from the quarter before. Operating margin was 35.5%, net earnings $18.2M (52.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $34.8M | +10% | +30% |
| Operating profit | $12.4M | +10% | +41% |
| Net earnings | $18.2M | +115% | +180% |
| Operating cash flow | $13.4M | +67% | +865% |
| Free cash flow | $13.4M | +67% | 17× |
What changed
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.
Questions
What was Ponce Financial Group's revenue in the third quarter 2026?
Ponce Financial Group (PDLB) reported revenue of $34.8M for the third quarter 2026 (Q3 2026), +30% from a year earlier and +10% from the quarter before.
Was Ponce Financial Group profitable in the third quarter 2026?
Operating profit was $12.4M (35.5% of revenue) and net earnings $18.2M.