PDL Community Bancorp

Q2 FY2026 EarningsQ2 FY26 results were largely in-line with consensus, reporting GAAP net income of $8.5M vs. the $8.5M expected. Net Interest Margin (NIM) exceeded expectations at 3.66% (+0.08pct vs. 3.58% mean), driven by a 26bps QoQ decline in the cost of interest-bearing liabilities. However, Diluted EPS of $0.35 missed the $0.37 consensus by 5.41% due to increased share counts from restricted stock awards and ESOP releases. Common Book Value Per Share (BPS) was $13.89, slightly beating the $13.79 consensus (+0.73%).