Ponce Financial Group Inc (PDLB)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 18,567 | 12,059 | 5,959 | 10,972 | 8,039 |
| Depreciation Amortization | 3,524 | 2,388 | 1,185 | 4,616 | 3,402 |
| Income taxes - deferred | -1,328 | -678 | -37 | 2,169 | 1,691 |
| Other Working Capital | -5,801 | 2,143 | 5,202 | -15,226 | -31,605 |
| Loans | 4,538 | 4,629 | 1,765 | -909 | 1,238 |
| Other Operating Activity | 1,153 | -1,280 | -987 | 5,590 | 1,580 |
| Operating Cash Flow | $20,653 | $19,261 | $13,087 | $7,212 | $-15,655 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -1,013 | -407 | -154 | -2,718 | -2,242 |
| Purchase Of Investment | N/A | N/A | N/A | -9,791 | N/A |
| Sale Of Investment | 100,951 | 44,944 | 16,978 | 109,486 | 61,817 |
| Net Loans | -205,985 | -173,780 | -84,659 | -391,875 | -285,695 |
| Investing Cash Flow | $-106,047 | $-129,243 | $-67,835 | $-294,898 | $-226,120 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | -75,000 | -60,000 | -75,000 | -88,321 | -104,000 |
| Debt Repayment | 110 | N/A | N/A | N/A | N/A |
| Dividend Paid | -844 | -563 | -281 | -588 | -306 |
| Financing Cash Flow | $92,134 | $96,782 | $44,802 | $288,335 | $258,397 |
| Beginning Cash Position | 139,839 | 139,839 | 139,839 | 139,190 | 139,190 |
| End Cash Position | 146,579 | 126,639 | 129,893 | 139,839 | 155,812 |
| Net Cash Flow | $6,740 | $-13,200 | $-9,946 | $649 | $16,622 |
| Free Cash Flow | |||||
| Operating Cash Flow | 20,653 | 19,261 | 13,087 | 7,212 | -15,655 |
| Capital Expenditure | -1,013 | -407 | -154 | -2,718 | -2,242 |
| Free Cash Flow | 19,640 | 18,854 | 12,933 | 4,494 | -17,897 |