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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $31.4M, roughly 1.3× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -1545.5%, a 1581.8% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 12.7%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $52.5M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 15.0%).
Northfield Bancorp, Inc. is a regional bank holding company based in the United States, operating primarily across the U.S. Northeast region. It provides a full range of personal and commercial banking services including deposit accounts, mortgage loans, commercial lending, and wealth management solutions for retail consumers, small to medium-sized businesses and local community 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.
NFBK vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $31.4M |
| Net Profit | $-27.4M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | -1263.3% | 43.6% |
| Net Margin | -1545.5% | 36.3% |
| Revenue YoY | 12.7% | 37.6% |
| Net Profit YoY | -343.6% | 245.6% |
| EPS (diluted) | $-0.68 | $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 | $41.3M | $31.4M | ||
| Q3 25 | $39.2M | $26.7M | ||
| Q2 25 | $38.9M | $26.5M | ||
| Q1 25 | $34.8M | $24.6M | ||
| Q4 24 | $36.7M | $22.8M | ||
| Q3 24 | $31.8M | $20.2M | ||
| Q2 24 | $31.5M | $20.2M | ||
| Q1 24 | $31.3M | $20.5M |
| Q4 25 | $-27.4M | $10.1M | ||
| Q3 25 | $10.8M | $6.5M | ||
| Q2 25 | $9.6M | $6.1M | ||
| Q1 25 | $7.9M | $6.0M | ||
| Q4 24 | $11.3M | $2.9M | ||
| Q3 24 | $6.5M | $2.4M | ||
| Q2 24 | $6.0M | $3.2M | ||
| Q1 24 | $6.2M | $2.4M |
| Q4 25 | -1263.3% | 43.6% | ||
| Q3 25 | 37.7% | 32.8% | ||
| Q2 25 | 35.6% | 30.2% | ||
| Q1 25 | 31.0% | 32.5% | ||
| Q4 24 | 38.0% | 19.6% | ||
| Q3 24 | 27.9% | 15.2% | ||
| Q2 24 | 29.1% | 21.8% | ||
| Q1 24 | 27.2% | 18.3% |
| Q4 25 | -1545.5% | 36.3% | ||
| Q3 25 | 27.4% | 24.3% | ||
| Q2 25 | 24.6% | 23.0% | ||
| Q1 25 | 22.6% | 24.2% | ||
| Q4 24 | 30.7% | 14.1% | ||
| Q3 24 | 20.5% | 12.1% | ||
| Q2 24 | 18.9% | 15.8% | ||
| Q1 24 | 19.9% | 11.8% |
| Q4 25 | $-0.68 | $0.43 | ||
| Q3 25 | $0.27 | $0.27 | ||
| Q2 25 | $0.24 | $0.25 | ||
| Q1 25 | $0.19 | $0.25 | ||
| Q4 24 | $0.27 | $0.11 | ||
| Q3 24 | $0.16 | $0.10 | ||
| Q2 24 | $0.14 | $0.14 | ||
| Q1 24 | $0.15 | $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 | $164.0M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $690.1M | $541.5M |
| Total Assets | $5.8B | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $126.2M | ||
| Q3 25 | $131.7M | $146.6M | ||
| Q2 25 | $97.6M | $126.6M | ||
| Q1 25 | $101.7M | $129.9M | ||
| Q4 24 | $167.7M | $139.8M | ||
| Q3 24 | $232.9M | $155.8M | ||
| Q2 24 | $153.5M | $103.2M | ||
| Q1 24 | $238.8M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | $666.4M | $596.1M | ||
| Q3 24 | — | $580.4M | ||
| Q2 24 | — | $680.4M | ||
| Q1 24 | — | $680.4M |
| Q4 25 | $690.1M | $541.5M | ||
| Q3 25 | $719.6M | $529.8M | ||
| Q2 25 | $710.3M | $521.1M | ||
| Q1 25 | $711.1M | $513.9M | ||
| Q4 24 | $704.7M | $505.5M | ||
| Q3 24 | $699.6M | $504.6M | ||
| Q2 24 | $693.0M | $497.7M | ||
| Q1 24 | $698.4M | $493.7M |
| Q4 25 | $5.8B | $3.2B | ||
| Q3 25 | $5.7B | $3.2B | ||
| Q2 25 | $5.7B | $3.2B | ||
| Q1 25 | $5.7B | $3.1B | ||
| Q4 24 | $5.7B | $3.0B | ||
| Q3 24 | $5.7B | $3.0B | ||
| Q2 24 | $5.7B | $2.8B | ||
| Q1 24 | $5.9B | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | 0.95× | 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 | $53.7M | $55.6M |
| Free Cash FlowOCF − Capex | $52.5M | $54.6M |
| FCF MarginFCF / Revenue | 127.1% | 173.9% |
| Capex IntensityCapex / Revenue | 2.8% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $55.6M | ||
| Q3 25 | $13.9M | $1.4M | ||
| Q2 25 | $14.1M | $6.2M | ||
| Q1 25 | $9.4M | $13.1M | ||
| Q4 24 | $31.1M | $7.2M | ||
| Q3 24 | $14.0M | $-14.6M | ||
| Q2 24 | $6.9M | $-2.6M | ||
| Q1 24 | $4.2M | $1.5M |
| Q4 25 | $52.5M | $54.6M | ||
| Q3 25 | $13.6M | $786.0K | ||
| Q2 25 | $13.9M | $5.9M | ||
| Q1 25 | $9.2M | $12.9M | ||
| Q4 24 | $30.0M | $4.5M | ||
| Q3 24 | $13.7M | $-15.0M | ||
| Q2 24 | $6.7M | $-2.6M | ||
| Q1 24 | $3.8M | $-315.0K |
| Q4 25 | 127.1% | 173.9% | ||
| Q3 25 | 34.6% | 2.9% | ||
| Q2 25 | 35.7% | 22.4% | ||
| Q1 25 | 26.3% | 52.6% | ||
| Q4 24 | 81.6% | 19.7% | ||
| Q3 24 | 43.2% | -74.1% | ||
| Q2 24 | 21.1% | -13.0% | ||
| Q1 24 | 12.1% | -1.5% |
| Q4 25 | 2.8% | 3.1% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.7% | 0.6% | ||
| Q4 24 | 3.1% | 11.9% | ||
| Q3 24 | 0.7% | 2.0% | ||
| Q2 24 | 0.8% | 0.3% | ||
| Q1 24 | 1.4% | 8.7% |
| Q4 25 | — | 5.48× | ||
| Q3 25 | 1.29× | 0.21× | ||
| Q2 25 | 1.48× | 1.01× | ||
| Q1 25 | 1.20× | 2.20× | ||
| Q4 24 | 2.76× | 2.46× | ||
| Q3 24 | 2.14× | -5.99× | ||
| Q2 24 | 1.16× | -0.80× | ||
| Q1 24 | 0.68× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
