For the quarter ending 2026-03-31, PDLB had -$8,908K decrease in cash & cash equivalents over the period. $13,834K in free cash flow.
| 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 | - |
Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. (PDLB)