Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Net income | -$5.13M | $3.85M | $25.4M | -$30.0M | $3.35M | $11.0M | $28.7M |
| EPS (diluted) | -$0.29 | $0.23 | $1.51 | -$1.32 | $0.15 | $0.46 | $1.20 |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $5.05M | -$27.5M | $18.6M | $9.80M | $6.49M | $7.21M | $55.6M |
| Capital expenditures | $3.82M | $1.90M | $4.17M | $492K | $411K | $2.72M | $978K |
| Free cash flow | $1.23M | -$29.4M | $14.4M | $9.31M | $6.08M | $4.49M | $54.6M |
| Share buybacks | $15.8M | $4.71M | $1.61M | — | $11.0M | — | — |
| Fiscal year | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $27.7M | $72.1M | $154M | $54.4M | $139M | $140M | $126M |
| Total assets | — | $1.36B | $1.65B | $2.31B | $2.75B | $3.04B | $3.22B |
| Total liabilities | — | $1.20B | $1.46B | $1.82B | $2.26B | $2.53B | $2.68B |
| Long-term debt | — | — | — | $517M | $684M | $596M | $596M |
| Shareholders' equity | $158M | $160M | $189M | $493M | $491M | $506M | $542M |
| Retained earnings | — | $97.5M | $123M | $93.0M | $97.4M | $108M | $135M |
| Shares (wtd avg diluted) | 17.4M | 16.7M | 16.8M | 22.7M | 22.8M | 22.6M | 23.1M |
Every figure is extracted from Ponce Financial Group, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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