Ponce Financial (PDLB) Net Margin (2020 - 2026)
Ponce Financial's (PDLB) quarterly Net Margin came in at 26.0% in Q2 2026, up 403.0% year-over-year from 5.17% in Q2 2025, and down 5.66% quarter-over-quarter from 27.56% in Q1 2026.
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Analysis
Ponce Financial (PDLB) Net Margin (2020 - 2026) Analysis & Trends
Ponce Financial has disclosed Net Margin across 7 years of filings, most recently posting 26.0% for Q2 2026.
- In Q2 2026, Net Margin rose 403.0% year-over-year to 26.0%; the TTM figure through Jun 2026 stood at 27.2% (up 987.0% YoY), while the FY2025 annual figure was 25.25%, up 1290.0% from the prior year.
- Net Margin came in at 26.0% for Q2 2026 at Ponce Financial, down from 27.56% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 31.37% in Q4 2025 to a low of 76.81% in Q3 2022.
- Average Net Margin over 5 years is 3.11%, with a median of 11.65% recorded in 2023.
- Year-over-year, Net Margin sank 9710 bps in 2022 and surged 8849 bps in 2023.
- Over 5 years, Net Margin stood at 55.44% in 2022, then jumped by 105 bps to 2.8% in 2023, then jumped by 314 bps to 11.61% in 2024, then soared by 170 bps to 31.37% in 2025, then fell by 17 bps to 26.0% in 2026.
- Per Business Quant data, the three most recent Net Margin figures were 26.0% in Q2 2026, 27.56% in Q1 2026, and 31.37% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 23.30% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.18% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 24.27% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 28.79% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 24.18% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 864.86% |
| 10 | Ponce Financial | 491.26 Mn | 351.25 Mn | - | 26.00% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 26.00% |
| Mar 31, 2026 | 27.56% |
| Dec 31, 2025 | 31.37% |
| Sep 30, 2025 | 23.29% |
| Jun 30, 2025 | 21.97% |
| Mar 31, 2025 | 23.10% |
| Dec 31, 2024 | 11.61% |
| Sep 30, 2024 | 10.67% |
| Jun 30, 2024 | 15.46% |
| Mar 31, 2024 | 11.76% |
| Dec 31, 2023 | 2.80% |
| Sep 30, 2023 | 11.68% |
| Jun 30, 2023 | -0.49% |
| Mar 31, 2023 | 1.94% |
| Dec 31, 2022 | -55.44% |
| Sep 30, 2022 | -76.81% |
| Jun 30, 2022 | 4.36% |
| Mar 31, 2022 | -34.86% |
| Dec 31, 2021 | 41.67% |
| Sep 30, 2021 | 10.99% |
API Access
Ponce Financial Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=PDLB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "PDLB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=PDLB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();