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Ponce Financial Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$13.4M in Q3 2026 · $70.2M over twelve months

Operating cash flow$13.4M
Capital spending−$45K
Free cash flow+$13.4M
Cash / net income0.7×

Analysis

In Q3 2026, Ponce Financial Group generated $13.4M of operating cash flow and spent $45K on capital projects, leaving free cash flow of $13.4M. That is $12.6M more than in Q3 2025 ($786K).

Over the twelve months to Sep 30, 2026, operating cash flow was $70.3M; the largest uses were other investing ($563M), capital spending ($60K); besides operations, cash came from other financing ($304M), net borrowing (+) / repaid (−) ($175M); the cash balance fell by $14.4M.

Operating cash flow was $13.4M against net income of $18.2M — 0.7× profit, less cash than reported earnings, worth checking against working capital. The largest differences: deferred taxes −$11.9M, other liabilities +$3.2M, depreciation & amortization +$1.2M.

Free cash flow

Ponce Financial Group: free cash flow by quarterPonce Financial Group: free cash flow by quarter$22.4MQ4 2024$12.9MQ1 2025$5.9MQ2 2025$786KQ3 2025$35.0MQ4 2025$13.8MQ1 2026$8.0MQ2 2026$13.4MQ3 2026
Operating cash flow less capital spending.
Ponce Financial Group: operating cash flow against capital spendingPonce Financial Group: operating cash flow against capital spendingOperating cash flowCapital spending$22.9M$476KQ4 2024$13.1M$154KQ1 2025$6.2M$253KQ2 2025$1.4M$606KQ3 2025$34.9M−$35KQ4 2025$13.9M$47KQ1 2026$8.0M$3KQ2 2026$13.4M$45KQ3 2026
Latest (Q3 2026): Operating cash flow $13.4M, Capital spending $45K.

Capital allocation, year by year

Ponce Financial Group: where the cash came from (up) and went (down), by fiscal yearPonce Financial Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksFY2021: Operating cash flow $18.6MFY2021: Net borrowing −$11.0MFY2021: Shares issued $4.7MFY2021: Capital spending −$4.2MFY2021: Buybacks −$1.6M$23.3MFY2021FY2022: Operating cash flow $9.8MFY2022: Net borrowing $411MFY2022: Shares issued $225MFY2022: Capital spending −$492K$646MFY2022FY2023: Operating cash flow $6.5MFY2023: Net borrowing $167MFY2023: Capital spending −$411KFY2023: Buybacks −$11.0M$174MFY2023FY2024: Operating cash flow $7.2MFY2024: Net borrowing −$88.3MFY2024: Capital spending −$2.7M$7.2MFY2024FY2025: Operating cash flow $55.6MFY2025: Shares issued $142KFY2025: Capital spending −$978K$55.7MFY2025
Over these 5 years operating cash flow totalled $97.7M; the largest uses were net borrowing ($99.3M) and buybacks ($12.6M). Cash-flow statements as filed.

Where the cash came from and went

Ponce Financial Group: sources (+) and uses (−) of cash, Q3 2026Ponce Financial Group: sources (+) and uses (−) of cash, Q3 2026Other investing−$192MOther financing$95.6MNet borrowing (+) / repaid (−)$75.0MOperating cash flow$13.4MCash drawn (+) / kept (−)$7.8MCapital spending−$45K
Ponce Financial Group: sources (+) and uses (−) of cash, TTM to Q3 2026Ponce Financial Group: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$563MOther financing$304MNet borrowing (+) / repaid (−)$175MOperating cash flow$70.3MCash drawn (+) / kept (−)$14.4MCapital spending−$60K

From profit to cash

Ponce Financial Group: net income to operating cash flow, Q3 2026Ponce Financial Group: net income to operating cash flow, Q3 2026Net income$18.2MDepreciation & amortization$1.2MStock-based pay$602KDeferred taxes−$11.9MPrepaid and other assets$93KOther liabilities$3.2MOperating cash flow$13.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$13.4M−$45K$75.0M—$7.8M$13.4M
Q2 2026$8.0M−$3K$50.0M—−$22.8M$8.0M
Q1 2026$13.9M−$47K−$25.0M$222K$8.9M$13.8M
Q4 2025$34.9M$35K$75.0M—$20.4M$35.0M
Q3 2025$1.4M−$606K−$15.0M$110K−$19.9M$786K
Q2 2025$6.2M−$253K$15.0M—$3.3M$5.9M
Q1 2025$13.1M−$154K−$75.0M—$9.9M$12.9M
Q4 2024$22.9M−$476K$15.7M—$16.0M$22.4M

Ponce Financial Group: income statement and cash flow

Ponce Financial Group, Q3 2026: revenue $34.8M (+30% year over year), operating margin 35.5%. The chart follows the revenue to costs, profit and cash.

Ponce Financial Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.