For the year ending 2025-12-31, PDLB had -$13,685K decrease in cash & cash equivalents over the period. $54,616K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 28,703 |
| Amortization of premiums/discounts on securities, net | 56 |
| Gain on sale of loans | 1,026 |
| Microloans (recoveries) write-off | 0 |
| Provision for credit losses | 3,783 |
| Depreciation and amortization | 4,818 |
| Esop compensation expense | 2,226 |
| Share-based compensation expense | 1,928 |
| Deferred income taxes (benefit) | -634 |
| Decrease (increase) in mortgage loans held for sale, at fair value | -12,611 |
| Increase (decrease) in accrued interest receivable | 134 |
| Decrease (increase) in other assets | -7,584 |
| (decrease) increase in accrued interest payable | 76 |
| Decrease in operating lease liabilities | -2,690 |
| Net (decrease) increase in other liabilities | -1,595 |
| Net cash provided by operating activities | 55,594 |
| Net (purchase) redemption of fhlbny stock | 127 |
| Purchase of frbny stock | 10,698 |
| Proceeds from maturities, calls and principal repayments on securities | 113,450 |
| Placements with banks | 0 |
| Proceeds from sales of loans | 7,812 |
| Net increase in loans | 329,177 |
| Purchases of premises and equipment | 978 |
| Net cash used in investing activities | -219,718 |
| Net increase in deposits | 151,422 |
| Stock options exercised | 142 |
| Dividends paid on preferred stock | 1,125 |
| Net (repayments) proceeds from borrowings | 0 |
| Net cash provided by financing activities | 150,439 |
| Net decrease (increase) in cash and cash equivalents | -13,685 |
| Cash and cash equivalents at beginning of year | 139,839 |
| Cash and cash equivalents at end of year | 126,154 |
Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. (PDLB)