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Side-by-side financial comparison of Consolidated Water Co. Ltd. (CWCO) 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 $29.6M, roughly 1.1× Consolidated Water Co. Ltd.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 10.3%, a 26.0% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 4.4%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $3.4M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -13.6%).
Coca-Cola Consolidated, Inc., headquartered in Charlotte, North Carolina, is the largest independent Coca-Cola bottler in the United States.
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.
CWCO vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.6M | $31.4M |
| Net Profit | $3.0M | $10.1M |
| Gross Margin | 34.7% | — |
| Operating Margin | 9.1% | 43.6% |
| Net Margin | 10.3% | 36.3% |
| Revenue YoY | 4.4% | 37.6% |
| Net Profit YoY | 91.5% | 245.6% |
| EPS (diluted) | $0.18 | $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 | $29.6M | $31.4M | ||
| Q3 25 | $35.1M | $26.7M | ||
| Q2 25 | $33.6M | $26.5M | ||
| Q1 25 | $33.7M | $24.6M | ||
| Q4 24 | $28.4M | $22.8M | ||
| Q3 24 | $33.4M | $20.2M | ||
| Q2 24 | $32.5M | $20.2M | ||
| Q1 24 | $39.7M | $20.5M |
| Q4 25 | $3.0M | $10.1M | ||
| Q3 25 | $5.5M | $6.5M | ||
| Q2 25 | $5.1M | $6.1M | ||
| Q1 25 | $4.8M | $6.0M | ||
| Q4 24 | $1.6M | $2.9M | ||
| Q3 24 | $4.5M | $2.4M | ||
| Q2 24 | $15.9M | $3.2M | ||
| Q1 24 | $6.5M | $2.4M |
| Q4 25 | 34.7% | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 38.2% | — | ||
| Q1 25 | 36.5% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 34.8% | — | ||
| Q2 24 | 35.8% | — | ||
| Q1 24 | 35.0% | — |
| Q4 25 | 9.1% | 43.6% | ||
| Q3 25 | 16.4% | 32.8% | ||
| Q2 25 | 15.7% | 30.2% | ||
| Q1 25 | 13.7% | 32.5% | ||
| Q4 24 | 3.8% | 19.6% | ||
| Q3 24 | 14.6% | 15.2% | ||
| Q2 24 | 15.4% | 21.8% | ||
| Q1 24 | 18.4% | 18.3% |
| Q4 25 | 10.3% | 36.3% | ||
| Q3 25 | 15.8% | 24.3% | ||
| Q2 25 | 15.2% | 23.0% | ||
| Q1 25 | 14.2% | 24.2% | ||
| Q4 24 | 5.6% | 14.1% | ||
| Q3 24 | 13.3% | 12.1% | ||
| Q2 24 | 48.8% | 15.8% | ||
| Q1 24 | 16.3% | 11.8% |
| Q4 25 | $0.18 | $0.43 | ||
| Q3 25 | $0.34 | $0.27 | ||
| Q2 25 | $0.32 | $0.25 | ||
| Q1 25 | $0.30 | $0.25 | ||
| Q4 24 | $0.10 | $0.11 | ||
| Q3 24 | $0.28 | $0.10 | ||
| Q2 24 | $0.99 | $0.14 | ||
| Q1 24 | $0.40 | $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 | $123.8M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $221.7M | $541.5M |
| Total Assets | $257.6M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $123.8M | $126.2M | ||
| Q3 25 | $123.6M | $146.6M | ||
| Q2 25 | $112.2M | $126.6M | ||
| Q1 25 | $107.9M | $129.9M | ||
| Q4 24 | $99.4M | $139.8M | ||
| Q3 24 | $104.9M | $155.8M | ||
| Q2 24 | $96.7M | $103.2M | ||
| Q1 24 | $46.2M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $221.7M | $541.5M | ||
| Q3 25 | $220.4M | $529.8M | ||
| Q2 25 | $216.6M | $521.1M | ||
| Q1 25 | $213.3M | $513.9M | ||
| Q4 24 | $210.0M | $505.5M | ||
| Q3 24 | $209.8M | $504.6M | ||
| Q2 24 | $206.7M | $497.7M | ||
| Q1 24 | $192.1M | $493.7M |
| Q4 25 | $257.6M | $3.2B | ||
| Q3 25 | $257.2M | $3.2B | ||
| Q2 25 | $257.5M | $3.2B | ||
| Q1 25 | $250.4M | $3.1B | ||
| Q4 24 | $243.3M | $3.0B | ||
| Q3 24 | $238.4M | $3.0B | ||
| Q2 24 | $235.2M | $2.8B | ||
| Q1 24 | $223.2M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | — | 1.15× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 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 | $5.8M | $55.6M |
| Free Cash FlowOCF − Capex | $3.4M | $54.6M |
| FCF MarginFCF / Revenue | 11.4% | 173.9% |
| Capex IntensityCapex / Revenue | 8.1% | 3.1% |
| Cash ConversionOCF / Net Profit | 1.90× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $33.2M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.8M | $55.6M | ||
| Q3 25 | $15.4M | $1.4M | ||
| Q2 25 | $8.8M | $6.2M | ||
| Q1 25 | $11.8M | $13.1M | ||
| Q4 24 | $-742.0K | $7.2M | ||
| Q3 24 | $10.4M | $-14.6M | ||
| Q2 24 | $21.0M | $-2.6M | ||
| Q1 24 | $6.0M | $1.5M |
| Q4 25 | $3.4M | $54.6M | ||
| Q3 25 | $13.5M | $786.0K | ||
| Q2 25 | $6.1M | $5.9M | ||
| Q1 25 | $10.2M | $12.9M | ||
| Q4 24 | $-3.7M | $4.5M | ||
| Q3 24 | $8.3M | $-15.0M | ||
| Q2 24 | $19.8M | $-2.6M | ||
| Q1 24 | $5.4M | $-315.0K |
| Q4 25 | 11.4% | 173.9% | ||
| Q3 25 | 38.4% | 2.9% | ||
| Q2 25 | 18.3% | 22.4% | ||
| Q1 25 | 30.1% | 52.6% | ||
| Q4 24 | -13.0% | 19.7% | ||
| Q3 24 | 24.9% | -74.1% | ||
| Q2 24 | 60.8% | -13.0% | ||
| Q1 24 | 13.7% | -1.5% |
| Q4 25 | 8.1% | 3.1% | ||
| Q3 25 | 5.5% | 2.3% | ||
| Q2 25 | 7.8% | 1.0% | ||
| Q1 25 | 4.7% | 0.6% | ||
| Q4 24 | 10.4% | 11.9% | ||
| Q3 24 | 6.1% | 2.0% | ||
| Q2 24 | 3.7% | 0.3% | ||
| Q1 24 | 1.3% | 8.7% |
| Q4 25 | 1.90× | 5.48× | ||
| Q3 25 | 2.79× | 0.21× | ||
| Q2 25 | 1.72× | 1.01× | ||
| Q1 25 | 2.45× | 2.20× | ||
| Q4 24 | -0.47× | 2.46× | ||
| Q3 24 | 2.32× | -5.99× | ||
| Q2 24 | 1.32× | -0.80× | ||
| Q1 24 | 0.92× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CWCO
| Services Revenues | $10.5M | 35% |
| Transferred At Point In Time | $8.5M | 29% |
| Operations And Maintenance | $8.4M | 28% |
| Transferred Over Time | $1.9M | 7% |
PDLB
Segment breakdown not available.
