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Side-by-side financial comparison of Bluerock Homes Trust, Inc. (BHM) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Ponce Financial Group, Inc. is the larger business by last-quarter revenue ($31.4M vs $18.9M, roughly 1.7× Bluerock Homes Trust, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -50.1%, a 86.4% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 35.9%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $10.4M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 23.7%).
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
Ponce Financial Group, Inc. is a U.S.-based financial holding company operating Ponce Bank as its core subsidiary. It serves multicultural, immigrant and low-to-moderate income communities in the New York metro area, offering retail and commercial banking products including deposits, mortgages, small business financing and personal credit.
BHM vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $31.4M |
| Net Profit | $-9.5M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | -48.8% | 43.6% |
| Net Margin | -50.1% | 36.3% |
| Revenue YoY | 35.9% | 37.6% |
| Net Profit YoY | -29.9% | 245.6% |
| EPS (diluted) | $-0.75 | $0.43 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $18.9M | $31.4M | ||
| Q3 25 | $16.6M | $26.7M | ||
| Q2 25 | $16.8M | $26.5M | ||
| Q1 25 | $16.4M | $24.6M | ||
| Q4 24 | $13.9M | $22.8M | ||
| Q3 24 | $12.7M | $20.2M | ||
| Q2 24 | $12.5M | $20.2M | ||
| Q1 24 | $11.2M | $20.5M |
| Q4 25 | $-9.5M | $10.1M | ||
| Q3 25 | $-10.0M | $6.5M | ||
| Q2 25 | $-5.8M | $6.1M | ||
| Q1 25 | $-7.3M | $6.0M | ||
| Q4 24 | $-7.3M | $2.9M | ||
| Q3 24 | $3.5M | $2.4M | ||
| Q2 24 | $-5.2M | $3.2M | ||
| Q1 24 | $-3.2M | $2.4M |
| Q4 25 | -48.8% | 43.6% | ||
| Q3 25 | -57.6% | 32.8% | ||
| Q2 25 | -30.9% | 30.2% | ||
| Q1 25 | -42.6% | 32.5% | ||
| Q4 24 | -52.8% | 19.6% | ||
| Q3 24 | 27.9% | 15.2% | ||
| Q2 24 | -41.3% | 21.8% | ||
| Q1 24 | -28.4% | 18.3% |
| Q4 25 | -50.1% | 36.3% | ||
| Q3 25 | -60.0% | 24.3% | ||
| Q2 25 | -34.7% | 23.0% | ||
| Q1 25 | -44.7% | 24.2% | ||
| Q4 24 | -52.8% | 14.1% | ||
| Q3 24 | 27.9% | 12.1% | ||
| Q2 24 | -41.3% | 15.8% | ||
| Q1 24 | -28.4% | 11.8% |
| Q4 25 | $-0.75 | $0.43 | ||
| Q3 25 | $-0.94 | $0.27 | ||
| Q2 25 | $-0.66 | $0.25 | ||
| Q1 25 | $-0.67 | $0.25 | ||
| Q4 24 | $-0.65 | $0.11 | ||
| Q3 24 | $0.24 | $0.10 | ||
| Q2 24 | $-0.42 | $0.14 | ||
| Q1 24 | $-0.27 | $0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $169.6M | $126.2M |
| Total DebtLower is stronger | $428.4M | $596.1M |
| Stockholders' EquityBook value | $128.7M | $541.5M |
| Total Assets | $1.2B | $3.2B |
| Debt / EquityLower = less leverage | 3.33× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $169.6M | $126.2M | ||
| Q3 25 | $2.1M | $146.6M | ||
| Q2 25 | $4.2M | $126.6M | ||
| Q1 25 | $3.0M | $129.9M | ||
| Q4 24 | $115.2M | $139.8M | ||
| Q3 24 | $155.1M | $155.8M | ||
| Q2 24 | $116.0M | $103.2M | ||
| Q1 24 | $92.3M | $134.7M |
| Q4 25 | $428.4M | $596.1M | ||
| Q3 25 | $415.9M | $521.1M | ||
| Q2 25 | $338.6M | $536.1M | ||
| Q1 25 | $336.5M | $521.1M | ||
| Q4 24 | $373.8M | $596.1M | ||
| Q3 24 | $122.5M | $580.4M | ||
| Q2 24 | $119.7M | $680.4M | ||
| Q1 24 | $120.2M | $680.4M |
| Q4 25 | $128.7M | $541.5M | ||
| Q3 25 | $131.7M | $529.8M | ||
| Q2 25 | $135.3M | $521.1M | ||
| Q1 25 | $137.1M | $513.9M | ||
| Q4 24 | $139.1M | $505.5M | ||
| Q3 24 | $142.9M | $504.6M | ||
| Q2 24 | $142.5M | $497.7M | ||
| Q1 24 | $144.5M | $493.7M |
| Q4 25 | $1.2B | $3.2B | ||
| Q3 25 | $222.1M | $3.2B | ||
| Q2 25 | $220.3M | $3.2B | ||
| Q1 25 | $186.2M | $3.1B | ||
| Q4 24 | $967.0M | $3.0B | ||
| Q3 24 | $800.8M | $3.0B | ||
| Q2 24 | $756.2M | $2.8B | ||
| Q1 24 | $727.4M | $2.8B |
| Q4 25 | 3.33× | 1.10× | ||
| Q3 25 | 3.16× | 0.98× | ||
| Q2 25 | 2.50× | 1.03× | ||
| Q1 25 | 2.45× | 1.01× | ||
| Q4 24 | 2.69× | 1.18× | ||
| Q3 24 | 0.86× | 1.15× | ||
| Q2 24 | 0.84× | 1.37× | ||
| Q1 24 | 0.83× | 1.38× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $27.8M | $55.6M |
| Free Cash FlowOCF − Capex | $10.4M | $54.6M |
| FCF MarginFCF / Revenue | 55.0% | 173.9% |
| Capex IntensityCapex / Revenue | 91.8% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.8M | $55.6M | ||
| Q3 25 | $13.4M | $1.4M | ||
| Q2 25 | $13.9M | $6.2M | ||
| Q1 25 | $951.0K | $13.1M | ||
| Q4 24 | $9.1M | $7.2M | ||
| Q3 24 | $1.7M | $-14.6M | ||
| Q2 24 | $1.3M | $-2.6M | ||
| Q1 24 | $1.1M | $1.5M |
| Q4 25 | $10.4M | $54.6M | ||
| Q3 25 | $8.7M | $786.0K | ||
| Q2 25 | $8.8M | $5.9M | ||
| Q1 25 | $-2.9M | $12.9M | ||
| Q4 24 | $-253.0K | $4.5M | ||
| Q3 24 | $-601.0K | $-15.0M | ||
| Q2 24 | $-654.0K | $-2.6M | ||
| Q1 24 | $-630.0K | $-315.0K |
| Q4 25 | 55.0% | 173.9% | ||
| Q3 25 | 52.4% | 2.9% | ||
| Q2 25 | 52.2% | 22.4% | ||
| Q1 25 | -17.6% | 52.6% | ||
| Q4 24 | -1.8% | 19.7% | ||
| Q3 24 | -4.7% | -74.1% | ||
| Q2 24 | -5.2% | -13.0% | ||
| Q1 24 | -5.6% | -1.5% |
| Q4 25 | 91.8% | 3.1% | ||
| Q3 25 | 28.5% | 2.3% | ||
| Q2 25 | 30.3% | 1.0% | ||
| Q1 25 | 23.4% | 0.6% | ||
| Q4 24 | 66.9% | 11.9% | ||
| Q3 24 | 18.0% | 2.0% | ||
| Q2 24 | 15.3% | 0.3% | ||
| Q1 24 | 15.5% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | 0.47× | -5.99× | ||
| Q2 24 | — | -0.80× | ||
| Q1 24 | — | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
PDLB
Segment breakdown not available.
