<span item_type="fundamental" item_id="13ae9cc3191008f19ba4703e6a5fda2c" counter_id="ST/US/PDLB" env="prod"></span><span item_type="announcement" item_id="579550840632055041" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 48.34 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.27, beating the estimate of USD 0.23.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -16.49 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest and Dividend Income</strong>: Total interest and dividend income for the nine months ended September 30, 2025, was $136,704,000, compared to $119,751,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: Net income for the nine months ended September 30, 2025, was $18,567,000, compared to $8,039,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li><li><strong>Operating Margin</strong>: Net interest income after provision for credit losses was $69,172,000 for the nine months ended September 30, 2025, compared to $56,096,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li><li><strong>Non-Interest Expense</strong>: Total non-interest expense for the nine months ended September 30, 2025, was $50,375,000, compared to $49,992,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: Net cash provided by operating activities for the nine months ended September 30, 2025, was $20,653,000, compared to net cash used in operating activities of - $15,655,000 for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li><li><strong>Free Cash Flow</strong>: Not explicitly detailed in the provided data.</li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses</strong>: The allowance for credit losses on loans was $24,764,000 as of September 30, 2025, compared to $22,502,000 as of December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company continues to focus on maintaining a strong balance sheet and improving net interest income through strategic loan growth and effective management of interest expenses.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The company is not currently meeting the Threshold Conditions to exercise the purchase option for its Preferred Stock under the ECIP, but it continues to work towards meeting these conditions.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1874071/000119312525267220/pdlb-20250930.htm"></span></li></ul>

PDL Community Bancorp | 10-Q: FY2025 Q3 Revenue: USD 48.34 M