Ponce Financial Group, Inc. PDLB NASDAQ

Ponce Financial Group, Inc. (PDLB) generated $27.76M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $35K, free cash flow was $27.79M.

Free cash flow margin was 53.1% of revenue. Cash conversion ratio was 2.74x, indicating earnings are backed by cash.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (54/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (55/100) — Cash conversion ratio was 2.74x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 65/100 with 2/7 criteria passed.