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Side-by-side financial comparison of Legacy Housing Corp (LEGH) 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 $25.5M, roughly 1.2× Legacy Housing Corp). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 32.2%, a 4.1% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -30.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $15.7M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -9.1%).
Legacy Housing Corp is a prominent U.S.-based manufacturer of affordable manufactured homes, tiny homes, and accessory dwelling units. It mainly caters to low- and middle-income consumers across North America, providing customizable residential solutions, supporting construction materials, and after-sales services for individual and community development clients.
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.
LEGH vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.5M | $31.4M |
| Net Profit | $8.2M | $10.1M |
| Gross Margin | 26.4% | — |
| Operating Margin | 40.4% | 43.6% |
| Net Margin | 32.2% | 36.3% |
| Revenue YoY | -30.6% | 37.6% |
| Net Profit YoY | -43.5% | 245.6% |
| EPS (diluted) | $0.38 | $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 | $25.5M | $31.4M | ||
| Q3 25 | $28.8M | $26.7M | ||
| Q2 25 | $38.4M | $26.5M | ||
| Q1 25 | $24.3M | $24.6M | ||
| Q4 24 | $36.7M | $22.8M | ||
| Q3 24 | $30.2M | $20.2M | ||
| Q2 24 | $31.7M | $20.2M | ||
| Q1 24 | $30.8M | $20.5M |
| Q4 25 | $8.2M | $10.1M | ||
| Q3 25 | $8.6M | $6.5M | ||
| Q2 25 | $14.7M | $6.1M | ||
| Q1 25 | $10.3M | $6.0M | ||
| Q4 24 | $14.5M | $2.9M | ||
| Q3 24 | $15.8M | $2.4M | ||
| Q2 24 | $16.2M | $3.2M | ||
| Q1 24 | $15.1M | $2.4M |
| Q4 25 | 26.4% | — | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 32.4% | — | ||
| Q1 25 | 29.2% | — | ||
| Q4 24 | 27.3% | — | ||
| Q3 24 | 29.2% | — | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 33.6% | — |
| Q4 25 | 40.4% | 43.6% | ||
| Q3 25 | 33.7% | 32.8% | ||
| Q2 25 | 43.8% | 30.2% | ||
| Q1 25 | 47.7% | 32.5% | ||
| Q4 24 | 42.3% | 19.6% | ||
| Q3 24 | 50.8% | 15.2% | ||
| Q2 24 | 50.6% | 21.8% | ||
| Q1 24 | 54.3% | 18.3% |
| Q4 25 | 32.2% | 36.3% | ||
| Q3 25 | 30.0% | 24.3% | ||
| Q2 25 | 38.3% | 23.0% | ||
| Q1 25 | 42.3% | 24.2% | ||
| Q4 24 | 39.5% | 14.1% | ||
| Q3 24 | 52.4% | 12.1% | ||
| Q2 24 | 51.1% | 15.8% | ||
| Q1 24 | 49.1% | 11.8% |
| Q4 25 | $0.38 | $0.43 | ||
| Q3 25 | $0.35 | $0.27 | ||
| Q2 25 | $0.60 | $0.25 | ||
| Q1 25 | $0.41 | $0.25 | ||
| Q4 24 | $0.59 | $0.11 | ||
| Q3 24 | $0.64 | $0.10 | ||
| Q2 24 | $0.65 | $0.14 | ||
| Q1 24 | $0.60 | $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 | $8.5M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $528.6M | $541.5M |
| Total Assets | $580.3M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.5M | $126.2M | ||
| Q3 25 | $13.6M | $146.6M | ||
| Q2 25 | $2.6M | $126.6M | ||
| Q1 25 | $3.4M | $129.9M | ||
| Q4 24 | $1.1M | $139.8M | ||
| Q3 24 | $570.0K | $155.8M | ||
| Q2 24 | $60.0K | $103.2M | ||
| Q1 24 | $621.0K | $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 | $528.6M | $541.5M | ||
| Q3 25 | $521.6M | $529.8M | ||
| Q2 25 | $512.8M | $521.1M | ||
| Q1 25 | $503.7M | $513.9M | ||
| Q4 24 | $494.0M | $505.5M | ||
| Q3 24 | $479.3M | $504.6M | ||
| Q2 24 | $463.2M | $497.7M | ||
| Q1 24 | $450.4M | $493.7M |
| Q4 25 | $580.3M | $3.2B | ||
| Q3 25 | $557.9M | $3.2B | ||
| Q2 25 | $552.0M | $3.2B | ||
| Q1 25 | $544.6M | $3.1B | ||
| Q4 24 | $534.2M | $3.0B | ||
| Q3 24 | $521.4M | $3.0B | ||
| Q2 24 | $514.9M | $2.8B | ||
| Q1 24 | $510.0M | $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 | $19.0M | $55.6M |
| Free Cash FlowOCF − Capex | $15.7M | $54.6M |
| FCF MarginFCF / Revenue | 61.6% | 173.9% |
| Capex IntensityCapex / Revenue | 13.1% | 3.1% |
| Cash ConversionOCF / Net Profit | 2.32× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $28.2M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.0M | $55.6M | ||
| Q3 25 | $7.2M | $1.4M | ||
| Q2 25 | $6.1M | $6.2M | ||
| Q1 25 | $4.9M | $13.1M | ||
| Q4 24 | $7.9M | $7.2M | ||
| Q3 24 | $13.8M | $-14.6M | ||
| Q2 24 | $3.5M | $-2.6M | ||
| Q1 24 | $10.8M | $1.5M |
| Q4 25 | $15.7M | $54.6M | ||
| Q3 25 | $5.1M | $786.0K | ||
| Q2 25 | $3.7M | $5.9M | ||
| Q1 25 | $3.6M | $12.9M | ||
| Q4 24 | $6.0M | $4.5M | ||
| Q3 24 | $9.1M | $-15.0M | ||
| Q2 24 | $1.7M | $-2.6M | ||
| Q1 24 | $9.9M | $-315.0K |
| Q4 25 | 61.6% | 173.9% | ||
| Q3 25 | 17.8% | 2.9% | ||
| Q2 25 | 9.6% | 22.4% | ||
| Q1 25 | 15.0% | 52.6% | ||
| Q4 24 | 16.4% | 19.7% | ||
| Q3 24 | 30.2% | -74.1% | ||
| Q2 24 | 5.4% | -13.0% | ||
| Q1 24 | 32.2% | -1.5% |
| Q4 25 | 13.1% | 3.1% | ||
| Q3 25 | 7.1% | 2.3% | ||
| Q2 25 | 6.2% | 1.0% | ||
| Q1 25 | 5.2% | 0.6% | ||
| Q4 24 | 5.1% | 11.9% | ||
| Q3 24 | 15.6% | 2.0% | ||
| Q2 24 | 5.5% | 0.3% | ||
| Q1 24 | 2.8% | 8.7% |
| Q4 25 | 2.32× | 5.48× | ||
| Q3 25 | 0.83× | 0.21× | ||
| Q2 25 | 0.41× | 1.01× | ||
| Q1 25 | 0.48× | 2.20× | ||
| Q4 24 | 0.54× | 2.46× | ||
| Q3 24 | 0.88× | -5.99× | ||
| Q2 24 | 0.21× | -0.80× | ||
| Q1 24 | 0.71× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LEGH
| Commercial Sales | $8.6M | 34% |
| Retail Store Sales | $6.0M | 24% |
| Inventory Finance Sales | $5.0M | 20% |
| Direct Sales | $4.4M | 17% |
| Other | $1.5M | 6% |
PDLB
Segment breakdown not available.
