Ponce Financial Group (PDLB) Cash Flow: Operating & Free Cash Flow

Ponce Financial Group Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Ponce Financial Group, Inc. (PDLB) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	28.70	10.97	3.35	-30.00	25.42	3.85	-5.13	2.68	-4.39
Depreciation & Amortization	4.82	4.74	4.53	4.27	2.47	2.52	2.22	1.80	1.63
Deferred Income Tax	-0.63	2.17	1.26	-7.94	1.26	-0.93	-2.10	-0.18	-0.04
Stock Based Compensation	4.15	3.55	3.03	2.94	2.80	1.94	2.02	0.71	0.74
Change in Working Capital	15.85	-14.03	-4.49	-2.02	4.28	-33.05	-2.31	1.58	2.74
Change in Accounts Receivable	-0.13	0.24	-2.96	-2.69	-0.97	-7.41	-0.19	-0.46	-0.63
Change in Accounts Payable	0.08	-8.25	10.58	1.16	0.17	-0.04	0.03	0.02	0.01
Change in Other Working Capital	15.91	-6.01	-15.06	-3.19	5.08	-25.60	-2.15	2.02	3.35
Other Operating Activities	2.70	-0.19	0.07	34.62	-17.67	-1.83	10.33	1.30	7.97
Net Cash from Operating Activities	55.59	7.21	6.49	9.80	18.55	-27.50	5.05	7.89	8.65
Investing Activities
Capital Expenditures	-0.98	-2.72	-0.41	-0.49	-4.17	-1.90	-3.82	-5.76	-2.77
Acquisitions	0.00	0.00	0.00	0.00	0.00	-1.01	0.00	0.00	0.00
Purchases of Investments	-10.70	0.00	0.00	-587.31	-109.88	-15.37	-34.00	-5.00	0.00
Sales/Maturities of Investments	113.45	109.49	66.23	40.32	12.89	17.77	39.56	6.66	23.65
Other Investing Activities	-321.49	-401.67	-398.72	-210.92	-109.98	-204.10	-40.41	-122.51	-156.78
Net Cash from Investing Activities	-219.72	-294.90	-332.91	-777.06	-211.14	-204.60	-38.67	-126.61	-135.90
Financing Activities
Debt Repayment	0.00	-88.32	167.05	-15.09	-25.87	33.68	35.00	33.00	33.40
Common Stock Issued	0.14	0.00	0.00	0.00	4.74	0.00	0.00	0.00	78.19
Common Stock Repurchased	0.00	0.00	-11.01	0.00	-1.61	-4.71	-15.76	0.00	0.00
Dividends Paid	-1.13	-0.59	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	151.42	377.24	422.25	-1.00	297.14	247.54	-27.72	95.77	63.67
Net Cash from Financing Activities	150.44	288.34	411.25	667.73	274.40	276.50	-8.48	128.78	175.26
Summary
Net Change in Cash	-13.69	0.65	84.83	-99.53	81.82	44.40	-42.10	10.05	48.01
Cash at Beginning of Period	139.84	139.19	54.36	153.89	72.08	27.68	69.78	59.72	11.72
Cash at End of Period	126.15	139.84	139.19	54.36	153.89	72.08	27.68	69.78	59.72
Free Cash Flow	54.62	4.49	6.08	9.31	14.38	-29.40	1.23	2.12	5.88
Supplemental Disclosures
Interest Paid	-	94.41	50.03	14.99	8.08	-	-	-	-
Income Taxes Paid	-	2.18	1.01	0.17	5.97	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Ponce Financial Group Cash Flow

What is Ponce Financial Group's free cash flow?

Ponce Financial Group generated free cash flow of $54.62M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $55.59M minus $978.00K of capital expenditures. That was up 1115.3% from $4.49M a year earlier. Free cash flow equaled 51.8% of revenue.

How much does Ponce Financial Group spend on capital expenditures?

Ponce Financial Group spent $978.00K on capital expenditures in fiscal 2025, compared with $2.72M a year earlier. That equals 1.8% of operating cash flow.

Does Ponce Financial Group pay dividends or buy back shares?

Yes. In fiscal 2025 Ponce Financial Group returned $1.13M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition