Ponce Financial Group, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 7 fiscal years, taken from the XBRL data Ponce Financial Group, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	0.16	0.49	0.21	0.59	0.83	0.71	0.63
Interest expense	12.4	11.4	8.25	16.1	60.6	86.2	85.7
Interest income		53.3	67.1
Pre-tax income	-6.05	5.24	33.6	-36.8	5.85	15.7	38.4
Income tax	-0.92	1.38	8.21	-6.85	2.5	4.71	9.73
Net income	-5.13	3.85	25.4	-30	3.35	11	28.7
EPS, basic	-0.29	0.23	1.52	-1.32	0.15	0.46	1.21
EPS, diluted	-0.29	0.23	1.51	-1.32	0.15	0.46	1.20
Shares, basic (weighted)	17.4	16.7	16.7	22.7	22.7	22.4	22.7
Shares, diluted (weighted)	17.4	16.7	16.8	22.7	22.8	22.6	23.1

Balance sheet

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	27.7	72.1	154	54.4	139	140	126
Property, plant and equipment		32	19.6	17.4	16.1	16.8	15.6
Lease right-of-use assets				33.4	31.3	29.1	27.6
Total assets		1,355	1,654	2,312	2,751	3,040	3,224
Total liabilities		1,196	1,464	1,819	2,259	2,534	2,682
Total debt				517	684	596	596
Paid-in capital		85.1	85.6	207	207	207	209
Retained earnings		97.5	123	93	97.4	108	135
Treasury stock		-18.1	-13.7	-0	-9.75	-7.71	-6.16
Other comprehensive income		0.14	-1.46	-17.9	-15.6	-15.3	-10.8
Shareholders' equity	158	160	189	493	491	506	542
Total equity	158	160	189	493	491	506	542
Total liabilities and equity		1,355	1,654	2,312	2,751	3,040	3,224
Shares outstanding		17.1	17.4	24.9	23.8	24	24.1

Cash flow statement

	FY2019	FY2021	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	-5.13	3.85	25.4	-30	3.35	11	28.7
Depreciation and amortization	2.22	2.52	2.47	4.27	4.53	4.74	4.82
Stock-based compensation	1.26	1.4	1.41	1.57	1.89	2.07	1.93
Deferred income tax	-2.1	-0.93	1.26	-7.94	1.26	2.17	-0.63
Cash from operations	5.05	-27.5	18.6	9.8	6.49	7.21	55.6
Capital expenditures	-3.82	-1.9	-4.17	-0.49	-0.41	-2.72	-0.98
Acquisitions		-1.01
Purchases of investments	-34	-13.6	-110	-58.4			-10.7
Sales and maturities of investments		17.8	9.25	40.3	61	109	113
Cash from investing	-38.7	-205	-211	-777	-333	-295	-220
Stock issued				0			0.14
Share buybacks	-15.8	-4.71	-1.61		-11
Cash from financing	-8.48	277	274	668	411	288	150
Net change in cash	-42.1	44.4	81.8	-99.5	84.8	0.65	-13.7
Free cash flow	1.23	-29.4	14.4	9.31	6.08	4.49	54.6
Interest paid	12.3	11.4	8.08	15	50	94.4	85.6
Income taxes paid	1.18	0.53	5.97	0.17	1.54	2.47	8.46

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $20.34 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	25.2%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	6.0%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.0%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	161.6%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 5y	49.4%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	160.9%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 5y	39.2%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	670.9%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	78.4%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y	1,115.0%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	80.4%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y	7.1%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	3.2%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	27.7%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	6.1%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	11.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	18.9%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	2.3%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	0.5%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	6.7%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	1.11x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	17.8%	Total debt / total assets.
Liabilities / assets	83.9%	Total liabilities / total assets.
Net debt	$481.1M	Total debt - cash - short-term investments. Negative means more cash than debt.
Tangible book value	$561.0M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	170.7%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	1.1%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$1.44	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$2.45	Free cash flow / diluted weighted shares.
Operating cash flow per share	$2.48	Cash from operations / diluted weighted shares.
Book value per share	$23.19	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$23.19	Tangible book value / shares outstanding.
Cash per share	$5.79	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$492.0M	Share price x shares outstanding.
Enterprise value	$973.1M	Market cap + total debt - cash - short-term investments.
P/E	14.6x	Market cap / net income. Only when net income is positive.
P/B	0.88x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.88x	Market cap / tangible book value, when positive.
P/FCF	8.54x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	8.45x	Market cap / cash from operations, when positive.
EV/FCF	16.9x	Enterprise value / free cash flow, when both are positive.
FCF yield	11.7%	Free cash flow / market cap.
Earnings yield	6.9%	Net income / market cap (the inverse of P/E).

Was Ponce Financial Group, Inc. profitable in fiscal 2025?

Yes. Net income was $28.7M, a net margin of -.

How much free cash flow did Ponce Financial Group, Inc. generate in fiscal 2025?

Cash from operations of $55.6M minus capital expenditures of $978.0K left free cash flow of $54.6M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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