NASDAQ$PDLB

Ponce Financial Group Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Ponce Financial Group reported Q1 2025, net income of $6M.

For Q1 2025, Ponce Financial Group reported net income of $6M. The filing highlights segment performance, liquidity, and management commentary on the period.

  • Net income $6M.
  • Ponce Financial Group discusses capital allocation and near-term priorities in MD&A.
  • Ponce Financial Group discusses capital allocation and near-term priorities in MD&A.

Headline financials

Total Revenue

$24.6M

Previous: $20.5M+19.7%
EPS (adj)

$9.00

Previous: $0.11+8081.8%
Capital Expenditures

-$154K

Previous: -$1.78M+91.3%
Free Cash Flow

$5.81M

Previous: $638K+809.9%
Net Income

$5.96M

Previous: $2.41M+146.9%
Operating Income

-$4.78M

Previous: -$7.47M+36.0%
Gross Profit

$24.3M

Previous: $20.4M+19.4%

Revenue & EPS history

Ponce Financial · Revenue · Quarterly

$24.6M

Q1 2025+19.7%vs Q1 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

Management discusses operating priorities, capital allocation, and sector risks in the quarterly filing.

Tailwinds

  • Headline results and segment trends anchor the quarter.
  • Liquidity and balance-sheet capacity support operations.
  • Strategic initiatives outlined in MD&A.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items affect year-over-year comparability.
  • Execution risk on growth or restructuring plans.

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 2025

Historical avgQ1 2025

+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

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