Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	33.76	28.7	10.97	3.35	-30	25.42
Depreciation & Amortization	4.86	4.82	4.74	4.53	4.27	2.47
Gain (Loss) on Sale of Assets	-	-	-	-	0.44	-20.27
Gain (Loss) on Sale of Investments	-0.04	-0.06	-0.12	-0.12	0.32	-0.05
Provision for Credit Losses	6.25	3.78	1.13	-0.51	41.99	2.72
Accrued Interest Receivable	-0.81	-0.13	0.24	-2.96	-2.69	-0.97
Change in Other Net Operating Assets	11.89	15.91	-6.01	-12.1	-0.5	5.08
Other Operating Activities	-1.47	-0.63	2.17	1.26	-7.94	1.26
Operating Cash Flow	58.26	55.59	7.21	6.49	9.8	18.55
Operating Cash Flow Growth	111.34%	670.85%	11.07%	-33.74%	-47.18%	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.62	-0.98	-2.72	-0.41	-0.49	-4.17
Investment in Securities	98.06	113.45	109.49	62.2	-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	-9.79	5.27	-18.66	0.43
Investing Cash Flow	-348.38	-219.72	-294.9	-332.91	-777.06	-211.14

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	-	-	167.05	411.12	-
Total Debt Issued	25	-	-	167.05	411.12	-
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	-	-88.32	167.05	396.03	-25.87
Issuance of Common Stock	0.36	0.14	-	-	0	4.74
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	219.25	151.42	377.24	255.21	47.7	175.14
Other Financing Activities	-	-	-	-	-1	122
Financing Cash Flow	303.49	150.44	288.34	411.25	667.73	274.4

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	13.37	-13.69	0.65	84.83	-99.53	81.82

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	57.64	54.62	4.49	6.08	9.31	14.38
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	2.47	2.37	0.20	0.27	0.41	0.86

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	85.22	85.64	94.41	50.03	14.99	8.08
Cash Income Tax Paid	11.67	8.46	2.18	1.01	0.17	5.97

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 7, 2026

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