InsiderClue
Stocks · Financials · Savings Institution, Federally Chartered

Ponce Financial Group, Inc.

PDLB Clue Score44
United States Fiscal year ends December CIK 0001874071
$20.15 +0.50% Close, 12 Oct 2026
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Price $20.15 +38.97% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 2 Oct 2017. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2019Net income−5.1EPS, diluted−0.29Fiscal year 2020Net income3.9EPS, diluted0.23Fiscal year 2021Net income25.4 +559.6%EPS, diluted1.51 +556.5%Fiscal year 2022Net income−30.0 −218.0%EPS, diluted−1.32 −187.4%Fiscal year 2023Net income3.4EPS, diluted0.15Fiscal year 2024Net income11.0 +227.3%EPS, diluted0.46 +206.7%Fiscal year 2025Net income28.7 +161.6%EPS, diluted1.20 +160.9%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income −5.1 3.9 25.4 −30.0 3.4 11.0 28.7
Growth +559.6% −218.0% +227.3% +161.6%
EPS, diluted −0.29 0.23 1.51 −1.32 0.15 0.46 1.20
Growth +556.5% −187.4% +206.7% +160.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2019Operating cash flow5.0Capital expenditure−3.8Free cash flow1.2Buybacks−15.8Fiscal year 2020Operating cash flow−27.5Capital expenditure−1.9Free cash flow−29.4 −2,490.4%Buybacks−4.7Fiscal year 2021Operating cash flow18.6Capital expenditure−4.2Free cash flow14.4Buybacks−1.6Fiscal year 2022Operating cash flow9.8Capital expenditure−0.5Free cash flow9.3 −35.3%Fiscal year 2023Operating cash flow6.5Capital expenditure−0.4Free cash flow6.1 −34.7%Buybacks−11.0Fiscal year 2024Operating cash flow7.2Capital expenditure−2.7Free cash flow4.5 −26.1%Fiscal year 2025Operating cash flow55.6Capital expenditure−1.0Free cash flow54.6 +1,115.3%
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 5.0 −27.5 18.6 9.8 6.5 7.2 55.6
Capital expenditure −3.8 −1.9 −4.2 −0.5 −0.4 −2.7 −1.0
Free cash flow 1.2 −29.4 14.4 9.3 6.1 4.5 54.6
Growth −2,490.4% −35.3% −34.7% −26.1% +1,115.3%
Buybacks −15.8 −4.7 −1.6 n/a −11.0 n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2019Cash27.7Shareholders’ equity158.4Fiscal year 2020Cash72.1Shareholders’ equity159.5Fiscal year 2021Cash153.9Shareholders’ equity189.3Fiscal year 2022Cash54.4Total debt517.4Net cash (debt)−463.0Shareholders’ equity492.7Debt to equity1.05Fiscal year 2023Cash139.2Total debt684.4Net cash (debt)−545.2Shareholders’ equity491.4Debt to equity1.39Fiscal year 2024Cash139.8Total debt596.1Net cash (debt)−456.3Shareholders’ equity505.5Debt to equity1.18Fiscal year 2025Cash126.2Total debt596.1Net cash (debt)−469.9Shareholders’ equity541.5Debt to equity1.10
FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 27.7 72.1 153.9 54.4 139.2 139.8 126.2
Total debt n/a n/a n/a 517.4 684.4 596.1 596.1
Net cash (debt) n/a n/a n/a −463.0 −545.2 −456.3 −469.9
Shareholders’ equity 158.4 159.5 189.3 492.7 491.4 505.5 541.5
Debt to equity n/a n/a n/a 1.05 1.39 1.18 1.10

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
n/a 26.4% 24.4% n/a 42.7% 30.0% 25.3%
Returns
−3.2% 2.4% 13.4% −6.1% 0.7% 2.2% 5.3%
n/a 0.3% 1.5% −1.3% 0.1% 0.4% 0.9%
Balance and payout
n/a n/a n/a 1.05 1.39 1.18 1.10
n/a 88.2% 88.6% 78.7% 82.1% 83.4% 83.2%
1,281.5% n/a 11.2% n/a 181.0% n/a n/a