Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	21.5	10.97	3.35	-30	25.42	3.85
Depreciation & Amortization	4.83	4.74	4.53	4.27	2.47	2.52
Stock-Based Compensation	3.95	3.55	3.03	2.94	2.8	1.94
Other Adjustments	0.61	1.98	0.07	34.62	-16.41	-2.76
Changes in Accrued Expenses	1.45	-8.25	10.58	1.16	0.17	-0.04
Changes in Other Operating Activities	15.89	-5.77	-15.06	-3.19	4.11	-33.02
Operating Cash Flow	43.52	7.21	6.49	9.8	18.55	-27.5
Operating Cash Flow Growth	-	11.07%	-33.74%	-47.18%	-	-
Capital Expenditures	-1.49	-2.72	-0.41	-0.49	-4.17	-1.9
Sale of Property, Plant & Equipment	-	-	-	-	37.62	4.74
Purchases of Investments	-	-	-	-579.31	-110.56	-20.82
Proceeds from Sale of Investments	138.83	99.7	66.23	21.66	14	22.53
Payments for Business Acquisitions	-	-	-	-	-	-1.01
Other Investing Activities	-309.3	-391.88	-398.72	-210.92	-148.03	-208.15
Investing Cash Flow	-174.83	-294.9	-332.91	-777.06	-211.14	-204.6
Issuance of Common Stock	-	-	-	0	126.74	-
Repurchase of Common Stock	-	-	-11.01	-	-1.61	-4.71
Net Common Stock Issued (Repurchased)	-	-	-11.01	0	125.14	-4.71
Issuance of Preferred Stock	-	-	-	225	-	-
Net Preferred Stock Issued (Repurchased)	-	-	-	225	-	-
Preferred Share Dividends Paid	-1.13	-0.59	-	-	-	-
Other Financing Activities	123.09	288.92	422.25	442.73	149.27	281.21
Financing Cash Flow	122.07	288.34	411.25	667.73	274.4	276.5
Net Cash Flow	-9.23	0.65	84.83	-99.53	81.82	44.4
Free Cash Flow	42.03	4.49	6.08	9.31	14.38	-29.4
Free Cash Flow Growth	835.27%	-26.11%	-34.65%	-35.29%	-	-
FCF Margin	41.93%	5.37%	8.06%	12.75%	15.38%	-53.25%
Free Cash Flow Per Share	0.00	0.20	0.27	0.41	0.86	-1.76
Levered Free Cash Flow	41.06	-1.67	2.98	-28.25	28	-28.58
Unlevered Free Cash Flow	42.39	-1.03	2.98	-28.25	28	-28.58

Updated Nov 5, 2025. Data Source: Fiscal.ai. Capital Markets template. Financial Sources.

SEC Filings: 10-K · 10-Q