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    Savings banks
Ponce Financial Group, Inc.

Ponce Financial Group, Inc.

NNASDAQ:PDLB
21.70
USD
-0.13
(-0.60%)
1.94EPS
10.33P/E
461.01MMarket Cap
Feb 02Next Earn

Income Statement (USD)

Income Statement APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
30
29
35
39
40
54
90
71
74
81
108
+ Sales & Services Revenue
30
29
35
39
40
54
90
71
74
81
108
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
15
16
18
19
20
23
25
30
34
34
35
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Income (Loss)
4
2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Pretax Income
4
2
-3
4
-6
5
34
-37
6
16
38
- Income Tax Expense (Benefit)
1
1
1
1
-1
1
8
-7
3
5
10
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
3
1
-4
3
-5
4
25
-30
3
11
29
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
3
1
-4
3
-5
4
25
-30
3
11
29
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
3
1
-4
3
-5
4
25
-30
3
11
29
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
3
1
-4
3
-5
4
25
-30
3
10
28
EBIT
4
2
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
6
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
19.52
14.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITA
4
3
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
12.92
8.27
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
8.48
4.85
-12.69
6.9
-12.77
7.17
28.37
-42.53
4.54
13.52
26.5
Sales per Employee
- -
- -
195,316
214,453
219,257
236,872
412,880
278,794
311,671
372,193
501,495
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.03
0.05
Depreciation Expense
2
2
2
2
2
3
2
4
5
5
5
Basic Weighted Avg Shares
8
8
18
18
17
17
17
23
23
22
23
Basic EPS, GAAP
0.3
0.17
-0.24
0.15
-0.29
0.23
1.52
-1.32
0.15
0.46
1.21
Basic EPS from Cont Ops
0.3
0.17
-0.24
0.15
-0.29
0.23
1.52
-1.32
0.15
0.49
1.26
Diluted Weighted Avg Shares
8
8
18
18
17
17
17
23
23
23
23
Diluted EPS, GAAP
0.3
0.17
-0.24
0.15
-0.29
0.23
1.51
-1.32
0.15
0.46
1.2
Diluted EPS from Cont Ops
0.3
0.17
-0.24
0.15
-0.29
0.23
1.51
-1.32
0.15
0.49
1.24

Balance Sheet (USD)

Balance Sheet APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
95
64
89
97
49
92
270
185
259
245
219
+ Cash & Cash Equivalents
13
12
60
70
28
75
156
56
139
140
126
+ ST Investments
82
53
29
27
22
17
113
130
120
105
92
+ Accounts & Notes Receiv
3
3
3
4
4
11
12
15
18
18
18
+ Accounts Receivable, Net
3
3
3
4
4
11
12
15
18
18
18
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
27
26
27
31
33
32
20
51
47
46
43
+ Property, Plant & Equip
45
43
46
52
55
56
31
63
62
61
60
- Accumulated Depreciation
18
17
19
20
23
24
12
13
14
15
17
+ LT Investments & Receivables
82
53
29
27
22
19
114
640
582
473
365
+ LT Investments
82
53
29
27
22
19
114
640
582
473
365
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Total Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Assets
703
745
926
1,060
1,054
1,355
1,654
2,312
2,751
3,040
3,224
+ Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
1
12
4
4
+ Accounts Payable
- -
- -
- -
- -
- -
- -
- -
1
12
4
4
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Debt
- -
3
20
25
11
119
15
- -
- -
- -
- -
+ ST Borrowings
- -
3
20
25
11
119
15
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
8
3
16
44
93
30
106
552
717
627
625
+ LT Borrowings
8
3
16
44
93
30
106
517
684
596
596
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
35
33
31
29
+ Other LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
612
652
761
891
895
1,196
1,464
1,819
2,259
2,534
2,682
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
225
225
225
225
+ Share Capital & APIC
- -
- -
85
85
85
85
86
207
207
208
209
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
- -
84
85
85
85
86
207
207
207
209
- Treasury Stock
- -
- -
- -
- -
14
18
14
- -
10
8
6
+ Retained Earnings
98
99
95
99
94
98
123
93
97
108
135
+ Other Equity
- -
-6
-8
-8
- -
- -
-1
-18
-16
-15
-11
Equity Before Minority Interest
91
93
165
169
158
160
189
493
491
506
542
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
91
93
165
169
158
160
189
493
491
506
542
Total Liabilities & Equity
703
745
926
1,060
1,054
1,355
1,654
2,312
2,751
3,040
3,224
Shares Outstanding
8
8
18
18
17
17
17
25
22
23
23
Number of Employees
- -
- -
177
181
183
227
217
253
237
218
216
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
35
33
31
29
Net Debt
-5
-6
-23
- -
77
74
-35
462
545
456
470
Net Debt to Equity
-5.15
-6.15
-14.15
-0.22
48.44
46.31
-18.51
93.67
110.91
90.21
86.73
Tangible Common Equity Ratio
12.93
12.48
17.8
15.96
15.03
11.77
11.45
11.58
9.68
9.23
9.82
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

Cash Flow Statement APIChatGPT
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2015
12/31/2016
12/31/2017
12/31/2018
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
3
1
-4
3
-5
4
25
-30
3
11
29
+ Depreciation & Amortization
2
2
2
2
2
3
2
4
5
5
5
+ Non-Cash Items
2
- -
9
2
10
-1
-14
38
3
6
6
+ Stock-Based Compensation
- -
- -
1
1
2
2
3
3
3
4
4
+ Deferred Income Taxes
1
- -
- -
- -
-2
-1
1
-8
1
2
-1
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
18
-1
- -
- -
+ Other Non-Cash Adj
- -
- -
8
1
10
-2
-18
25
- -
- -
3
+ Chg in Non-Cash Work Cap
-1
1
3
2
-2
-33
4
-2
-4
-14
16
+ (Inc) Dec in Accts Receiv
- -
- -
-1
- -
- -
-7
-1
-3
-3
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
- -
- -
- -
- -
- -
- -
- -
1
11
-8
- -
+ Inc (Dec) in Other
-1
1
3
2
-2
-26
5
- -
-12
-6
16
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
5
4
9
8
5
-27
19
10
6
7
56
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
5
38
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
5
38
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
-1
-3
-6
-4
-2
-4
- -
- -
-3
-1
+ Acq of Fixed Prod Assets
- -
-1
-3
-6
-4
-2
-4
- -
- -
-3
-1
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
78
- -
-16
-5
3
- -
-11
- -
- -
+ Increase in Capital Stock
- -
- -
78
- -
- -
- -
5
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
-16
-5
-2
- -
-11
- -
- -
+ Net Change in LT Investment
19
30
24
2
6
2
-97
-547
61
109
103
+ Dec in LT Investment
19
56
24
7
40
18
13
40
61
109
113
+ Inc in LT Investment
- -
-26
- -
-5
-34
-15
-110
-587
- -
- -
-11
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
-1
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
-1
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-25
-73
-157
-123
-40
-209
-148
-230
-393
-402
-321
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-6
-44
-136
-127
-39
-205
-211
-777
-333
-295
-220
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
-1
+ Net Cash From Debt
-2
-5
33
33
35
-125
-14
396
167
-88
- -
+ Cash From Debt
1,989
280
646
271
699
34
12
411
167
- -
- -
+ Repayments of Debt
-1,991
-285
-613
-238
-664
-159
-26
-15
- -
-88
- -
+ Other Financing Activities
- -
44
64
96
-28
407
286
272
255
377
152
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
-2
39
175
129
-8
277
274
668
411
288
150
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
-3
-1
48
10
-42
44
82
-100
85
1
-14
EBITDA
6
4
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA Margin (%)
19.52
14.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow
5
4
6
2
1
-29
14
9
6
4
55
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
Free Cash Flow to Firm
5
4
- -
2
- -
-29
14
- -
6
4
55
Free Cash Flow to Equity
3
-1
39
35
36
-150
38
630
173
-84
53
Free Cash Flow per Basic Share
0.6
0.46
0.32
0.12
0.07
-1.76
0.86
0.41
0.27
0.2
2.4
Price/Free Cash Flow
- -
- -
34.18
76.72
149.32
-4.27
12.13
22.72
36.62
65.24
6.9
Cash Flow to Net Income
2.08
3.05
-1.97
2.95
-0.98
-7.14
0.73
-0.33
1.94
0.66
1.94
Capital Expenditures
- -
-1
-3
-6
-4
-2
-4
- -
- -
-3
-1