PDLB - NASDAQ
Ponce Financial Group, Inc.
$19.09
-3.1%Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
At a Glance
Live SnapshotPonce Financial Group, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Ponce Financial Group, Inc. Cash Flow Statement
PDLB • NASDAQ
| Ponce Financial Group, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||
28.7M | 11M | 3.4M | -30M | 25.4M | 3.9M | -5.1M | 2.7M | -4.4M | 1.4M | 2.5M | |
0.0 | 4.7M | 4.5M | 4.3M | 2.5M | 2.5M | 2.2M | 1.8M | 1.6M | 1.8M | 2M | |
0.0 | 2.2M | 1.3M | -7.9M | 1.3M | -932K | -2.1M | -184K | -40K | 126K | 1.1M | |
0.0 | 3.5M | 3M | 2.9M | 2.8M | 1.9M | 2M | 713K | 735K | 0.0 | 0.0 | |
-1.6M | -189K | -1.2M | 42.6M | -17.7M | -1.8M | 10.3M | 1.3M | 8M | -37K | 527K | |
(8.5M) | (2.2M) | (1M) | (173K) | (6M) | (531K) | (1.2M) | (549K) | (1.5M) | (1.3M) | (1.6M) | |
15.9M | -14M | -4.5M | -2M | 4.3M | -33.1M | -2.3M | 1.6M | 2.7M | 1M | -862K | |
43M | 7.2M | 6.5M | 9.8M | 18.6M | -27.5M | 5M | 7.9M | 8.6M | 4.3M | 5.2M | |
INVESTING ACTIVITIES | |||||||||||
-978K | -2.7M | -411K | -492K | -4.2M | -1.9M | -3.8M | -5.8M | -2.8M | -530K | -276K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | (0.0) | -587.3M | -109.9M | -15.4M | -34M | -5M | (0.0) | -25.9M | (0.0) | |
113.5M | 109.5M | 61M | 40.3M | 12.9M | 17.8M | 39.6M | 6.7M | 23.7M | 55.6M | 19.4M | |
-319.6M | -401.7M | -393.5M | -229.6M | -110M | -204.1M | -40.4M | -122.5M | -156.8M | -73M | -25.3M | |
-207.1M | -294.9M | -332.9M | -777.1M | -211.1M | -204.6M | -38.7M | -126.6M | -135.9M | -43.9M | -6.2M | |
FINANCING ACTIVITIES | |||||||||||
142K | 0.0 | -11M | 2K | 3.1M | -4.7M | -15.8M | 0.0 | 78.2M | 0.0 | 0.0 | |
0.0 | -88.3M | 167M | 396M | -25.9M | 33.7M | 35M | 33M | 33.4M | -5M | -2M | |
-1.1M | -588K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | (0.0) | -11M | (0.0) | -1.6M | -4.7M | -15.8M | (0.0) | (0.0) | (0.0) | (0.0) | |
151.4M | 377.2M | 255.2M | 46.7M | 297.1M | 247.5M | -27.7M | 95.8M | 63.7M | 43.6M | -191K | |
150.4M | 288.3M | 411.2M | 667.7M | 274.4M | 276.5M | -8.5M | 128.8M | 175.3M | 38.6M | -2.2M | |
CASH FLOW SUMMARY | |||||||||||
13.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-13.7M | 649K | 84.8M | -99.5M | 81.8M | 44.4M | -42.1M | 10.1M | 48M | -978K | -3.2M | |
139.8M | 139.2M | 54.4M | 153.9M | 72.1M | 27.7M | 69.8M | 59.7M | 11.7M | 12.7M | 15.8M | |
126.2M | 139.8M | 139.2M | 54.4M | 153.9M | 72.1M | 27.7M | 69.8M | 59.7M | 11.7M | 12.7M | |
42M | 4.5M | 6.1M | 9.3M | 14.4M | -29.4M | 1.2M | 2.1M | 5.9M | 3.8M | 5M |
SEC Filings
PDLB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 22, 2026 | June 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 05, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 24, 2025 | October 24, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 14, 2025 | October 14, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 06, 2025 | June 30, 2025 | 2025 |
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