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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	17.43	10.97	3.35	-30	25.42	3.85
Depreciation & Amortization	4.9	4.74	4.53	4.27	2.47	2.52
Stock-Based Compensation	3.89	3.55	3.03	2.94	2.8	1.94
Other Adjustments	-1.35	1.98	0.07	34.62	-16.41	-2.76
Changes in Trading Assets	10.29	0.29	-7.4	13.86	18.76	-23.83
Change in Receivables	-1.69	0.24	-2.96	-2.69	-0.97	-7.41
Changes in Accrued Expenses	-2.66	-8.25	10.58	1.16	0.17	-0.04
Changes in Unearned Revenue	0.1	-0.43	1.05	2.07	0.64	0.67
Changes in Other Operating Activities	-6.39	-5.87	-5.75	-16.42	-14.32	-2.45
Operating Cash Flow	27.57	7.21	6.49	9.8	18.55	-27.5
Operating Cash Flow Growth	438.80%	11.07%	-33.74%	-47.18%	-	-
Capital Expenditures	-1.28	-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	126.36	109.49	60.95	40.32	14	22.53
Payments for Business Acquisitions	-	-	-	-	-	-1.01
Other Investing Activities	-425.49	-391.88	-398.72	-210.92	-148.03	-208.15
Investing Cash Flow	-294.76	-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	436.11	377.24	255.21	31.61	160.27	268.36
Financing Cash Flow	290.67	288.34	411.25	667.73	274.4	276.5
Net Cash Flow	23.47	0.65	84.83	-99.53	81.82	44.4
Beginning Cash & Cash Equivalents	103.17	139.19	54.36	153.89	72.08	27.68
Ending Cash & Cash Equivalents	126.64	139.84	139.19	54.36	153.89	72.08
Free Cash Flow	26.29	4.49	6.08	9.31	14.38	-29.4
Free Cash Flow Growth	484.91%	-26.11%	-34.65%	-35.29%	-	-
FCF Margin	28.24%	5.37%	8.06%	12.75%	15.38%	-53.25%
Free Cash Flow Per Share	1.15	0.20	0.27	0.41	0.86	-1.76
Levered Free Cash Flow	21.27	-1.91	5.94	-25.56	28.96	-21.17
Unlevered Free Cash Flow	25.29	-1.55	4.24	3.65	28.96	-21.17

Updated Jun 30, 2025. Data Source: Fiscal.ai. Capital Markets template. Financial Sources.

SEC Filings: 10-K · 10-Q