Ponce Financial Group Inc (PDLB)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 28,703 | 10,972 | 3,352 | -30,001 | 25,415 |
| Depreciation Amortization | 4,762 | 4,616 | 4,408 | 4,608 | 2,593 |
| Income taxes - deferred | -634 | 2,169 | 1,258 | -7,939 | 1,260 |
| Other Working Capital | 14,826 | -15,226 | -5,045 | -2,208 | 4,210 |
| Loans | 11,585 | -909 | -7,961 | 13,673 | 18,690 |
| Other Operating Activity | -3,648 | 5,590 | 10,481 | 31,666 | -33,615 |
| Operating Cash Flow | $55,594 | $7,212 | $6,493 | $9,799 | $18,553 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -978 | -2,718 | -411 | -492 | 33,448 |
| Purchase Of Investment | -10,825 | -9,791 | 5,273 | -605,972 | -110,564 |
| Sale Of Investment | 113,450 | 109,486 | 60,954 | 40,318 | 14,003 |
| Net Loans | -321,365 | -391,875 | -399,969 | -211,911 | -148,275 |
| Other Investing Activity | 0 | 0 | 1,245 | 996 | 249 |
| Investing Cash Flow | $-219,718 | $-294,898 | $-332,908 | $-777,061 | $-211,139 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | N/A | -88,321 | 167,046 | 411,120 | -11,000 |
| Common Stock Issued | 142 | N/A | N/A | 2 | 4,743 |
| Common Stock Repurchased | N/A | N/A | -11,009 | N/A | -1,607 |
| Dividend Paid | -1,125 | -588 | N/A | N/A | N/A |
| Other Financing Activity | 0 | 0 | 0 | 208,910 | 107,129 |
| Financing Cash Flow | $150,439 | $288,335 | $411,245 | $667,728 | $274,402 |
| Beginning Cash Position | 139,839 | 139,190 | 54,360 | 153,894 | 72,078 |
| End Cash Position | 126,154 | 139,839 | 139,190 | 54,360 | 153,894 |
| Net Cash Flow | $-13,685 | $649 | $84,830 | $-99,534 | $81,816 |
| Free Cash Flow | |||||
| Operating Cash Flow | 55,594 | 7,212 | 6,493 | 9,799 | 18,553 |
| Capital Expenditure | -978 | -2,718 | -411 | -492 | -4,171 |
| Free Cash Flow | 54,616 | 4,494 | 6,082 | 9,307 | 14,382 |