Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	10.97	3.35	-30	25.42
Depreciation & Amortization	4.74	4.53	4.27	2.47
Gain (Loss) on Sale of Assets	-	-	0.44	-20.27
Gain (Loss) on Sale of Investments	-0.12	-0.12	0.32	-0.05
Provision for Credit Losses	1.13	-0.51	41.99	2.72
Accrued Interest Receivable	0.24	-2.96	-2.69	-0.97
Change in Other Net Operating Assets	-6.01	-12.1	-0.5	5.08
Other Operating Activities	2.17	1.26	-7.94	1.26
Operating Cash Flow	7.21	6.49	9.8	18.55
Operating Cash Flow Growth	11.07%	-33.74%	-47.18%	-
Capital Expenditures	-2.72	-0.41	-0.49	-4.17
Investment in Securities	109.49	62.2	-546	-96.74
Net Decrease (Increase) in Loans Originated / Sold - Investing	-391.88	-399.97	-211.91	-148.28
Other Investing Activities	-9.79	5.27	-18.66	0.43
Investing Cash Flow	-294.9	-332.91	-777.06	-211.14
Long-Term Debt Issued	-	167.05	411.12	-
Total Debt Issued	-	167.05	411.12	-
Short-Term Debt Repaid	-	-	-15.09	-14.87
Long-Term Debt Repaid	-88.32	-	-	-11
Total Debt Repaid	-88.32	-	-15.09	-25.87
Net Debt Issued (Repaid)	-88.32	167.05	396.03	-25.87
Issuance of Common Stock	-	-	0	4.74
Repurchase of Common Stock	-	-11.01	-	-1.61
Preferred Stock Issued	-	-	225	-
Preferred Dividends Paid	-0.59	-	-	-
Total Dividends Paid	-0.59	-	-	-
Net Increase (Decrease) in Deposit Accounts	377.24	255.21	47.7	175.14
Other Financing Activities	-	-	-1	122
Financing Cash Flow	288.34	411.25	667.73	274.4
Net Cash Flow	0.65	84.83	-99.53	81.82
Free Cash Flow	4.49	6.08	9.31	14.38
Free Cash Flow Growth	-26.11%	-34.65%	-35.29%	-
Free Cash Flow Margin	5.46%	8.59%	19.00%	15.85%
Free Cash Flow Per Share	0.20	0.27	0.41	0.86
Cash Interest Paid	94.41	50.03	14.99	8.08
Cash Income Tax Paid	2.18	1.01	0.17	5.97

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q