NASDAQ$PDLB

Ponce Financial Group Inc · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Ponce Financial Group reported Q3 2025, revenue of $45M, net income of $12M, diluted EPS of $0.35.

For Q3 2025, Ponce Financial Group reported revenue of $45M, net income of $12M, diluted EPS was $0.35. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $45M.
  • Net income $12M.
  • Diluted EPS $0.35.

Headline financials

Total Revenue

$26.7M

Previous: $20.2M+32.5%
EPS (adj)

$0.35

Previous: $0.10+250.0%
Capital Expenditures

-$1.01M

Previous: -$2.24M+54.8%
Net Income

$6.51M

Previous: $2.43M+167.5%
Operating Income

$8.76M

Previous: -$12.7M+169.2%

Revenue & EPS history

Ponce Financial · Revenue · Quarterly

$26.7M

Q3 2025+32.5%vs Q3 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

The release discusses Ponce Financial Group's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Ponce Financial Group cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 2025

Historical avgQ3 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

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