NASDAQ$PDLB

Ponce Financial Group Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Ponce Financial Group reported increased net income and net interest income for Q1 2024.

Ponce Financial Group reported a net income of $2.4 million for the first quarter of 2024, an increase compared to the previous quarter and the same quarter last year. Net interest income also increased, driven by growth in interest and dividend income.

  • Net income was $2.4 million, or $0.11 per diluted share.
  • Net interest income increased to $18.8 million.
  • Non-interest income increased to $1.7 million.
  • Non-interest expense decreased to $17.0 million.

Headline financials

Total Revenue

$20.5M

Previous: $17.1M+20.3%
EPS

$0.11

Previous: $0.01+1000.0%
Net interest margin

2.7%

Previous: 2.8%-1.5%
Efficiency ratio

82.6%

Previous: 95.9%-13.9%
Net interest rate spread

1.8%

Previous: 1.8%+1.7%
Capital Expenditures

-$1.78M

Previous: -$235K-655.7%
Free Cash Flow

$638K

Previous: $96K+564.6%
Net Income

$2.41M

Previous: $331K+629.3%
Operating Income

-$7.47M

Previous: -$1.05M-612.5%
Gross Profit

$20.4M

Previous: $17.1M+19.3%
Cash & Equivalents

$135M

Previous: $185M-27.1%
Total Assets

$2.82B

Previous: $2.54B+11.0%
Stock-Based Comp

$517K

Previous: $404K+28.0%

Revenue & EPS history

Ponce Financial · Revenue · Quarterly

$20.5M

Q1 2024+20.3%vs Q1 2023
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

Ponce Financial Group anticipates that their prudent approach to underwriting practices and balance sheet management may result in lower loan growth in the coming quarters, despite seeing resiliency in their client base.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.2%

Avg return

Earnings day

+0.1%

Avg return

5 days after

+1.8%

Avg return

30 days after

49%

17 / 35 earnings

Positive

+10.9%

Q3 2020

Best reaction

-8.4%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.0%-0.3%+5.9%
Q4 2025+1.0%+1.9%-2.3%
Q3 2025+1.7%-1.3%+6.7%
Q2 2025-1.3%-3.3%-0.9%
Q1 2025+1.1%+2.6%+0.7%
Q4 2024+0.2%-0.1%-2.3%
Q3 2024-1.5%+1.6%+13.2%
Q2 2024+0.6%-4.8%+13.4%
Q1 2024+4.3%+6.8%+12.6%
Q4 2023-3.5%-1.6%-6.1%
Q3 2023-0.9%+2.2%+22.9%
Q2 2023-4.7%-2.5%-18.4%
Q1 2023+4.2%-1.1%+5.8%
Q4 2022-8.4%-6.1%-7.8%
Q3 2022+1.1%+5.8%+7.1%
Q2 2022-0.5%-0.9%+2.5%
Q1 2022-4.2%-3.2%-3.1%
Q4 2021-0.3%+1.9%+1.5%
Q3 2021-0.1%-3.2%-5.2%
Q2 2021+0.9%+5.5%+5.3%
Q1 2021+2.5%+0.8%+26.4%
Q4 2020+8.5%+14.8%-0.8%
Q3 2020+10.9%+5.2%+19.9%
Q2 2020-5.0%-4.9%-14.6%
Q1 2020-0.1%-6.2%-2.9%
Q4 2019+0.9%-2.1%-23.4%
Q3 2019+1.0%+0.1%+5.1%
Q2 2019-0.9%-0.2%+0.1%
Q1 2019-0.3%-2.3%-3.2%
Q4 2018+0.5%+0.6%+3.1%
Q3 2018-0.4%-3.4%-8.2%
Q2 2018-0.1%-0.3%+0.8%
Q1 2018-0.6%-0.6%-3.3%
Q4 2017-1.0%+1.0%+10.6%
Q3 2017+0.1%+1.9%+0.7%
Q2 2017
Q1 2017
Q4 2016
Q3 2016
Q2 2016
Q1 2016

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro