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Cash Flow Overview

Change in Cash
-$8,908K
Free Cash flow
$13,834K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Proceeds from maturities, calls ...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans
    • Net repayment from borrowings
    • (increase) decrease in other ass...
    • Others
Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net income
8,623
10,136
6,508
12,059
Amortization of premiums/discounts on securities, net
3
2
15
39
Gain on sale of loans
120
139
166
721
Microloans (recoveries) write-off
-
0
-
-
Provision (benefit) for credit losses
1,656
1,078
1,364
1,341
Depreciation and amortization
1,232
1,240
1,151
2,427
Esop compensation expense
587
653
520
1,053
Share-based compensation expense
552
515
458
955
Deferred income taxes
-266
694
-650
-678
Decrease in mortgage loans held for sale, fair value
-1,381
-7,186
-75
-5,350
Increase in accrued interest receivable
1,369
-998
-223
1,355
(increase) decrease in other assets
2,032
-15,681
6,427
1,670
Increase in accrued interest payable
550
-584
211
449
Decrease in operating lease liabilities
-684
-675
-660
-1,355
Increase in advance payments by borrowers
-
-
-
593
Increase (decrease) in other liabilities
3,774
-1,840
-607
852
Net cash provided by operating activities
13,881
34,941
1,392
19,261
Net redemption and (purchase) of fhlbny stock
-1,129
3,364
-675
-2,562
Purchase of frbny stock
-
10,698
-
-
Net redemption and (purchase) of frbny stock
8
-
-
-
Proceeds from maturities, calls and principal repayments on securities
14,720
15,736
55,332
42,382
Placements with banks
-
0
-
-
Proceeds from sale of loans
1,067
1,159
915
5,738
Net increase in loans
101,751
116,539
33,120
179,518
Purchases of premises and equipment
47
-35
606
407
Net cash used in investing activities
-84,890
-113,671
23,196
-129,243
Net increase in deposits
87,160
-16,446
10,523
157,345
Net repayment from borrowings
-25,000
75,000
-15,000
-60,000
Stock options exercised
222
32
110
-
Dividends paid on preferred stock
281
281
281
563
Net cash provided by financing activities
62,101
58,305
-4,648
96,782
Net decrease in cash and cash equivalents
-8,908
-20,425
19,940
-13,200
Cash and cash equivalents at beginning of period
126,154
146,579
139,839
-
Cash and cash equivalents at end of period
117,246
126,154
146,579
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$87,160K Net income$8,623K Increase (decrease) inother liabilities$3,774K Provision (benefit) forcredit losses$1,656K Stock optionsexercised$222K Decrease in mortgageloans held for sale,...-$1,381K Depreciation andamortization$1,232K Esop compensationexpense$587K Share-based compensationexpense$552K Increase in accruedinterest payable$550K Net cash provided byfinancing activities$62,101K Net cash provided byoperating activities$13,881K Canceled cashflow$25,281K Canceled cashflow$4,474K Net decrease in cashand cash...-$8,908K Canceled cashflow$75,982K Proceeds frommaturities, calls and...$14,720K Net redemption and(purchase) of fhlbny stock-$1,129K Proceeds from sale ofloans$1,067K Net repayment fromborrowings-$25,000K Dividends paid onpreferred stock$281K (increase) decrease inother assets$2,032K Increase in accruedinterest receivable$1,369K Decrease in operatinglease liabilities-$684K Deferred income taxes-$266K Gain on sale of loans$120K Amortization ofpremiums/discounts on securities,...$3K Net cash used ininvesting activities-$84,890K Canceled cashflow$16,916K Net increase inloans$101,751K Purchases of premises andequipment$47K Net redemption and(purchase) of frbny stock$8K

Ponce Financial Group, Inc. (PDLB)

Ponce Financial Group, Inc. (PDLB)