NASDAQ$PDLB

Ponce Financial Group Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported a net loss due to pre-tax charges related to Grain Technologies, Inc.

Ponce Financial Group, Inc. reported a net loss of ($14.7) million, or ($0.64) per diluted share, for the third quarter of 2022, impacted by $17.5 million of pre-tax charges related to Grain Technologies, Inc. Net interest income increased by $2.1 million from the prior quarter and $2.2 million from the same quarter last year, driven by growth in the securities portfolio.

  • Net loss of ($14.7) million or ($0.64) per diluted share, for the three months ended September 30, 2022.
  • Included in the ($14.7) million 2022 third quarter results are $17.5 million of pre-tax charges related to Grain Technologies, Inc.
  • Net interest income of $17.6 million for the 2022 third quarter increased $2.1 million, or 13.71%, from the prior quarter and $2.2 million, or 14.06%, from the same quarter last year, largely due to increases in the Company's securities portfolio.
  • Net interest margin was 3.62% for the 2022 third quarter, a decrease from 4.10% for the prior quarter and from 4.13% for the same quarter last year.

Headline financials

Total Revenue

$19.2M

Previous: $18.7M+2.8%
EPS (adj)

$0.08

Previous: $0.12-33.3%
Net interest margin

3.6%

Previous: 4.1%-12.3%
Efficiency ratio

132.5%

No prior period
Capital Expenditures

-$433K

Previous: $698K-162.0%
Free Cash Flow

-$15.2M

Previous: -$1.03M-1371.5%
Net Income

-$14.7M

Previous: $2.05M-818.2%
Operating Income

-$522K

No prior period
Gross Profit

$9.86M

No prior period
Cash & Equivalents

$62.5M

Previous: $63M-0.8%
Total Assets

$2.16B

No prior period
Stock-Based Comp

$405K

Previous: $351K+15.4%

Revenue & EPS history

Ponce Financial · Revenue · Quarterly

$19.2M

Q3 2022+2.8%vs Q3 2021
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

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 Q3 2022

Historical avgQ3 2022

+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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