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Ponce Financial Group, Inc. (PDLB)
NASDAQ: PDLB · Real-Time Price · USD
20.76
+0.04 (0.19%)
At close: Aug 14, 2026, 4:00 PM EDT
20.74
-0.02 (-0.10%)
After-hours: Aug 14, 2026, 7:57 PM EDT

Ponce Financial Group Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
33.7628.710.973.35-3025.42
Depreciation & Amortization
4.864.824.744.534.272.47
Gain (Loss) on Sale of Assets
----0.44-20.27
Gain (Loss) on Sale of Investments
-0.04-0.06-0.12-0.120.32-0.05
Provision for Credit Losses
6.253.781.13-0.5141.992.72
Accrued Interest Receivable
-0.81-0.130.24-2.96-2.69-0.97
Change in Other Net Operating Assets
11.8915.91-6.01-12.1-0.55.08
Other Operating Activities
-1.47-0.632.171.26-7.941.26
Operating Cash Flow
58.2655.597.216.499.818.55
Operating Cash Flow Growth
111.34%670.85%11.07%-33.74%-47.18%-

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-0.62-0.98-2.72-0.41-0.49-4.17
Investment in Securities
98.06113.45109.4962.2-546-96.74
Net Decrease (Increase) in Loans Originated / Sold - Investing
-431.03-321.37-391.88-399.97-211.91-148.28
Other Investing Activities
-14.78-10.83-9.795.27-18.660.43
Investing Cash Flow
-348.38-219.72-294.9-332.91-777.06-211.14

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
---167.05411.12-
Total Debt Issued
25--167.05411.12-
Short-Term Debt Repaid
-----15.09-14.87
Long-Term Debt Repaid
---88.32---11
Total Debt Repaid
60--88.32--15.09-25.87
Net Debt Issued (Repaid)
85--88.32167.05396.03-25.87
Issuance of Common Stock
0.360.14--04.74
Repurchase of Common Stock
----11.01--1.61
Preferred Stock Issued
----225-
Preferred Dividends Paid
-1.13-1.13-0.59---
Total Dividends Paid
-1.13-1.13-0.59---
Net Increase (Decrease) in Deposit Accounts
219.25151.42377.24255.2147.7175.14
Other Financing Activities
-----1122
Financing Cash Flow
303.49150.44288.34411.25667.73274.4

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
13.37-13.690.6584.83-99.5381.82

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
57.6454.624.496.089.3114.38
Free Cash Flow Growth
119.27%1115.31%-26.11%-34.65%-35.29%-
Free Cash Flow Margin
50.66%51.80%5.41%8.42%19.00%15.85%
Free Cash Flow Per Share
2.472.370.200.270.410.86

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
85.2285.6494.4150.0314.998.08
Cash Income Tax Paid
11.678.462.181.010.175.97
SEC Filings: 10-K · 10-Q