Ponce Financial Group, Inc.

PDLBNASDAQFinancial Services● Active

$19.18

+$0.29(+1.54%)

Market Cap$463923929

P/E Ratio—

52W High$19.42

52W Low$12.81

Avg Volume61K

Open$19.01

Beta0.54

Free Cash Flow Financials Revenue

Ponce Financial Group, Inc. (PDLB) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PDLB · free cash flow · updated Jun 9, 2026

Core FCF metrics

PDLB · FCF · TTM · margin & CAGR

Free cash flow was $54.6M for FY2025 (fiscal year ending 2025-12-31), up 1115.3% year-over-year The FCF margin was 28.1%.

FY2025 Free Cash Flow$54.6M▲ +1115.3% YoY

Trailing 12M (TTM)$56.6Mtrailing 4 quarters sum

FCF Margin28.1%$54.6M ÷ revenue

3-Year CAGR+80.4%FY2022 → FY2025

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PDLB · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$55.6M(1M)$54.6M▲ +1115.3%28.1%

FY2024$7.2M(3M)$4.5M▼ 26.1%2.7%

FY2023$6.5M(0M)$6.1M▼ 34.7%4.5%

FY2022$9.8M(0M)$9.3M▼ 35.3%10.7%

FY2021$18.6M(4M)$14.4M▲ +148.9%18.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PDLB · P/FCF · FCF yield · FCF per share

Ponce Financial Group, Inc. (PDLB) trades at a FCF yield of 12.38% and a price-to-free-cash-flow ratio of 7.7x. FCF per share stands at $2.48, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

12.38%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.48

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x18.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

PDLB · cash flow statement · operating / investing / financing

For FY2025, Ponce Financial Group, Inc. generated $55.6M in operating cash flow and spent 1M in capital expenditures, yielding $54.6M in free cash flow.

Operating Activities

+$55.6M

Cash from core business operations

2025-12-31

Investing Activities

−$219.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$150.4M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($55.6M) − |CapEx| (1M) = FCF ($54.6M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PDLB vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Ponce Financial Group, Inc.YOU

PDLB

$54.6M+1115.3%28.1%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Ponce Financial Group, Inc. (PDLB) reported free cash flow of $54.6M for FY2025 (fiscal year ending 2025-12-31), up 1115.3% year-over-year. The FCF margin was 28.1%.

Based on available data, Ponce Financial Group, Inc. has maintained positive free cash flow for at least 10 fiscal year(s). FCF peaked at $54.6M in FY2025.

Ponce Financial Group, Inc.'s FCF yield is 12.38% and price-to-FCF ratio is 7.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PDLB free cash flow · 8 questions

Ponce Financial Group, Inc. free cash flow was $54.6M for FY2025, up 1115.3% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $56.6M.

PDLB free cash flowPDLB FCFPDLB FCF 2025PDLB free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Ponce Financial Group, Inc. · Ponce Financial Group, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026