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Side-by-side financial comparison of INTERGROUP CORP (INTG) 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 $17.3M, roughly 1.8× INTERGROUP CORP). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 8.8%, a 27.5% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 19.8%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-481.0K). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 7.8%).
Intergroup Corp is a diversified holding firm operating two core segments: real estate and hotel operations. It owns, manages and leases commercial and residential properties across the U.S., and runs limited-service hotels for leisure and business travelers.
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.
INTG vs PDLB — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $17.3M | $31.4M |
| Net Profit | $1.5M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | 11.6% | 43.6% |
| Net Margin | 8.8% | 36.3% |
| Revenue YoY | 19.8% | 37.6% |
| Net Profit YoY | 155.6% | 245.6% |
| EPS (diluted) | $0.71 | $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 | $17.3M | $31.4M | ||
| Q3 25 | $17.9M | $26.7M | ||
| Q2 25 | $16.2M | $26.5M | ||
| Q1 25 | $16.8M | $24.6M | ||
| Q4 24 | $14.4M | $22.8M | ||
| Q3 24 | $16.9M | $20.2M | ||
| Q2 24 | $13.4M | $20.2M | ||
| Q1 24 | $14.9M | $20.5M |
| Q4 25 | $1.5M | $10.1M | ||
| Q3 25 | $-535.0K | $6.5M | ||
| Q2 25 | $-2.2M | $6.1M | ||
| Q1 25 | $-578.0K | $6.0M | ||
| Q4 24 | $-2.7M | $2.9M | ||
| Q3 24 | $-398.0K | $2.4M | ||
| Q2 24 | $-4.9M | $3.2M | ||
| Q1 24 | $-3.2M | $2.4M |
| Q4 25 | 11.6% | 43.6% | ||
| Q3 25 | 15.3% | 32.8% | ||
| Q2 25 | 8.1% | 30.2% | ||
| Q1 25 | 14.0% | 32.5% | ||
| Q4 24 | 5.9% | 19.6% | ||
| Q3 24 | 18.5% | 15.2% | ||
| Q2 24 | 3.7% | 21.8% | ||
| Q1 24 | 4.8% | 18.3% |
| Q4 25 | 8.8% | 36.3% | ||
| Q3 25 | -3.0% | 24.3% | ||
| Q2 25 | -13.9% | 23.0% | ||
| Q1 25 | -3.4% | 24.2% | ||
| Q4 24 | -18.9% | 14.1% | ||
| Q3 24 | -2.4% | 12.1% | ||
| Q2 24 | -36.7% | 15.8% | ||
| Q1 24 | -21.3% | 11.8% |
| Q4 25 | $0.71 | $0.43 | ||
| Q3 25 | $-0.25 | $0.27 | ||
| Q2 25 | — | $0.25 | ||
| Q1 25 | $-0.27 | $0.25 | ||
| Q4 24 | $-1.26 | $0.11 | ||
| Q3 24 | $-0.18 | $0.10 | ||
| Q2 24 | — | $0.14 | ||
| Q1 24 | $-1.44 | $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 | $7.5M | $126.2M |
| Total DebtLower is stronger | $233.2M | $596.1M |
| Stockholders' EquityBook value | $-85.2M | $541.5M |
| Total Assets | $101.1M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $7.5M | $126.2M | ||
| Q3 25 | $6.0M | $146.6M | ||
| Q2 25 | $6.1M | $126.6M | ||
| Q1 25 | $4.8M | $129.9M | ||
| Q4 24 | $15.4M | $139.8M | ||
| Q3 24 | $12.2M | $155.8M | ||
| Q2 24 | $11.6M | $103.2M | ||
| Q1 24 | $19.5M | $134.7M |
| Q4 25 | $233.2M | $596.1M | ||
| Q3 25 | $237.8M | $521.1M | ||
| Q2 25 | $240.5M | $536.1M | ||
| Q1 25 | $241.5M | $521.1M | ||
| Q4 24 | $227.2M | $596.1M | ||
| Q3 24 | $218.1M | $580.4M | ||
| Q2 24 | $225.7M | $680.4M | ||
| Q1 24 | $225.0M | $680.4M |
| Q4 25 | $-85.2M | $541.5M | ||
| Q3 25 | $-86.7M | $529.8M | ||
| Q2 25 | $-86.1M | $521.1M | ||
| Q1 25 | $-84.5M | $513.9M | ||
| Q4 24 | $-83.9M | $505.5M | ||
| Q3 24 | $-80.9M | $504.6M | ||
| Q2 24 | $-80.3M | $497.7M | ||
| Q1 24 | $-76.4M | $493.7M |
| Q4 25 | $101.1M | $3.2B | ||
| Q3 25 | $102.5M | $3.2B | ||
| Q2 25 | $104.1M | $3.2B | ||
| Q1 25 | $103.2M | $3.1B | ||
| Q4 24 | $110.6M | $3.0B | ||
| Q3 24 | $109.3M | $3.0B | ||
| Q2 24 | $107.8M | $2.8B | ||
| Q1 24 | $119.0M | $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 | $-23.0K | $55.6M |
| Free Cash FlowOCF − Capex | $-481.0K | $54.6M |
| FCF MarginFCF / Revenue | -2.8% | 173.9% |
| Capex IntensityCapex / Revenue | 2.6% | 3.1% |
| Cash ConversionOCF / Net Profit | -0.02× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $739.0K | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-23.0K | $55.6M | ||
| Q3 25 | $-296.0K | $1.4M | ||
| Q2 25 | $5.9M | $6.2M | ||
| Q1 25 | $-854.0K | $13.1M | ||
| Q4 24 | $-781.0K | $7.2M | ||
| Q3 24 | $3.4M | $-14.6M | ||
| Q2 24 | $6.8M | $-2.6M | ||
| Q1 24 | $1.9M | $1.5M |
| Q4 25 | $-481.0K | $54.6M | ||
| Q3 25 | $-1.3M | $786.0K | ||
| Q2 25 | $3.6M | $5.9M | ||
| Q1 25 | $-1.2M | $12.9M | ||
| Q4 24 | $-1.1M | $4.5M | ||
| Q3 24 | $3.1M | $-15.0M | ||
| Q2 24 | $2.7M | $-2.6M | ||
| Q1 24 | $1.1M | $-315.0K |
| Q4 25 | -2.8% | 173.9% | ||
| Q3 25 | -7.1% | 2.9% | ||
| Q2 25 | 22.5% | 22.4% | ||
| Q1 25 | -6.8% | 52.6% | ||
| Q4 24 | -7.8% | 19.7% | ||
| Q3 24 | 18.3% | -74.1% | ||
| Q2 24 | 20.4% | -13.0% | ||
| Q1 24 | 7.6% | -1.5% |
| Q4 25 | 2.6% | 3.1% | ||
| Q3 25 | 5.4% | 2.3% | ||
| Q2 25 | 13.9% | 1.0% | ||
| Q1 25 | 1.8% | 0.6% | ||
| Q4 24 | 2.4% | 11.9% | ||
| Q3 24 | 1.6% | 2.0% | ||
| Q2 24 | 30.4% | 0.3% | ||
| Q1 24 | 4.9% | 8.7% |
| Q4 25 | -0.02× | 5.48× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | — | 2.20× | ||
| Q4 24 | — | 2.46× | ||
| Q3 24 | — | -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
INTG
| Hotel Operations | $12.7M | 73% |
| Real Estate Operation | $4.6M | 27% |
PDLB
Segment breakdown not available.
