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Side-by-side financial comparison of NATIONAL RESEARCH CORP (NRC) and Ponce Financial Group, Inc. (PDLB). Click either name above to swap in a different company.
NATIONAL RESEARCH CORP is the larger business by last-quarter revenue ($35.2M vs $31.4M, roughly 1.1× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 5.1%, a 31.2% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -4.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $6.1M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -0.2%).
National Research Corporation, doing business as NRC Health, is an American healthcare company which provides healthcare products and subscription-based solutions in United States and Canada. It was founded in 1981, and is based in Lincoln, Nebraska.
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.
NRC vs PDLB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $31.4M |
| Net Profit | $1.8M | $10.1M |
| Gross Margin | — | — |
| Operating Margin | 13.3% | 43.6% |
| Net Margin | 5.1% | 36.3% |
| Revenue YoY | -4.6% | 37.6% |
| Net Profit YoY | -72.6% | 245.6% |
| EPS (diluted) | $49.58 | $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 | $35.2M | $31.4M | ||
| Q3 25 | $34.6M | $26.7M | ||
| Q2 25 | $34.0M | $26.5M | ||
| Q1 25 | $33.6M | $24.6M | ||
| Q4 24 | $36.9M | $22.8M | ||
| Q3 24 | $35.8M | $20.2M | ||
| Q2 24 | $35.0M | $20.2M | ||
| Q1 24 | $35.3M | $20.5M |
| Q4 25 | $1.8M | $10.1M | ||
| Q3 25 | $4.1M | $6.5M | ||
| Q2 25 | $-106.0K | $6.1M | ||
| Q1 25 | $5.8M | $6.0M | ||
| Q4 24 | $6.6M | $2.9M | ||
| Q3 24 | $5.7M | $2.4M | ||
| Q2 24 | $6.2M | $3.2M | ||
| Q1 24 | $6.4M | $2.4M |
| Q4 25 | 13.3% | 43.6% | ||
| Q3 25 | 22.4% | 32.8% | ||
| Q2 25 | 4.7% | 30.2% | ||
| Q1 25 | 25.6% | 32.5% | ||
| Q4 24 | 26.0% | 19.6% | ||
| Q3 24 | 22.3% | 15.2% | ||
| Q2 24 | 25.3% | 21.8% | ||
| Q1 24 | 24.8% | 18.3% |
| Q4 25 | 5.1% | 36.3% | ||
| Q3 25 | 11.9% | 24.3% | ||
| Q2 25 | -0.3% | 23.0% | ||
| Q1 25 | 17.2% | 24.2% | ||
| Q4 24 | 17.8% | 14.1% | ||
| Q3 24 | 15.9% | 12.1% | ||
| Q2 24 | 17.6% | 15.8% | ||
| Q1 24 | 18.0% | 11.8% |
| Q4 25 | $49.58 | $0.43 | ||
| Q3 25 | $0.18 | $0.27 | ||
| Q2 25 | $-0.01 | $0.25 | ||
| Q1 25 | $0.25 | $0.25 | ||
| Q4 24 | $0.27 | $0.11 | ||
| Q3 24 | $0.24 | $0.10 | ||
| Q2 24 | $0.26 | $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 | $4.1M | $126.2M |
| Total DebtLower is stronger | — | $596.1M |
| Stockholders' EquityBook value | $14.0M | $541.5M |
| Total Assets | $134.9M | $3.2B |
| Debt / EquityLower = less leverage | — | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.1M | $126.2M | ||
| Q3 25 | $2.2M | $146.6M | ||
| Q2 25 | $5.3M | $126.6M | ||
| Q1 25 | $2.5M | $129.9M | ||
| Q4 24 | $4.2M | $139.8M | ||
| Q3 24 | $3.5M | $155.8M | ||
| Q2 24 | $485.0K | $103.2M | ||
| Q1 24 | $1.7M | $134.7M |
| Q4 25 | — | $596.1M | ||
| Q3 25 | — | $521.1M | ||
| Q2 25 | — | $536.1M | ||
| Q1 25 | — | $521.1M | ||
| Q4 24 | — | $596.1M | ||
| Q3 24 | $48.7M | $580.4M | ||
| Q2 24 | $33.3M | $680.4M | ||
| Q1 24 | $35.2M | $680.4M |
| Q4 25 | $14.0M | $541.5M | ||
| Q3 25 | $14.3M | $529.8M | ||
| Q2 25 | $21.3M | $521.1M | ||
| Q1 25 | $29.7M | $513.9M | ||
| Q4 24 | $31.3M | $505.5M | ||
| Q3 24 | $34.6M | $504.6M | ||
| Q2 24 | $40.2M | $497.7M | ||
| Q1 24 | $36.9M | $493.7M |
| Q4 25 | $134.9M | $3.2B | ||
| Q3 25 | $135.7M | $3.2B | ||
| Q2 25 | $141.4M | $3.2B | ||
| Q1 25 | $135.2M | $3.1B | ||
| Q4 24 | $132.5M | $3.0B | ||
| Q3 24 | $131.8M | $3.0B | ||
| Q2 24 | $119.1M | $2.8B | ||
| Q1 24 | $120.9M | $2.8B |
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 0.98× | ||
| Q2 25 | — | 1.03× | ||
| Q1 25 | — | 1.01× | ||
| Q4 24 | — | 1.18× | ||
| Q3 24 | 1.41× | 1.15× | ||
| Q2 24 | 0.83× | 1.37× | ||
| Q1 24 | 0.95× | 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 | $7.2M | $55.6M |
| Free Cash FlowOCF − Capex | $6.1M | $54.6M |
| FCF MarginFCF / Revenue | 17.2% | 173.9% |
| Capex IntensityCapex / Revenue | 3.2% | 3.1% |
| Cash ConversionOCF / Net Profit | 3.99× | 5.48× |
| TTM Free Cash FlowTrailing 4 quarters | $15.7M | $74.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $7.2M | $55.6M | ||
| Q3 25 | $13.8M | $1.4M | ||
| Q2 25 | $-1.1M | $6.2M | ||
| Q1 25 | $6.6M | $13.1M | ||
| Q4 24 | $6.4M | $7.2M | ||
| Q3 24 | $9.4M | $-14.6M | ||
| Q2 24 | $6.8M | $-2.6M | ||
| Q1 24 | $12.0M | $1.5M |
| Q4 25 | $6.1M | $54.6M | ||
| Q3 25 | $10.2M | $786.0K | ||
| Q2 25 | $-4.1M | $5.9M | ||
| Q1 25 | $3.7M | $12.9M | ||
| Q4 24 | $1.9M | $4.5M | ||
| Q3 24 | $7.8M | $-15.0M | ||
| Q2 24 | $1.5M | $-2.6M | ||
| Q1 24 | $7.9M | $-315.0K |
| Q4 25 | 17.2% | 173.9% | ||
| Q3 25 | 29.4% | 2.9% | ||
| Q2 25 | -12.2% | 22.4% | ||
| Q1 25 | 10.9% | 52.6% | ||
| Q4 24 | 5.2% | 19.7% | ||
| Q3 24 | 21.8% | -74.1% | ||
| Q2 24 | 4.3% | -13.0% | ||
| Q1 24 | 22.4% | -1.5% |
| Q4 25 | 3.2% | 3.1% | ||
| Q3 25 | 10.4% | 2.3% | ||
| Q2 25 | 8.8% | 1.0% | ||
| Q1 25 | 8.9% | 0.6% | ||
| Q4 24 | 12.0% | 11.9% | ||
| Q3 24 | 4.5% | 2.0% | ||
| Q2 24 | 15.0% | 0.3% | ||
| Q1 24 | 11.7% | 8.7% |
| Q4 25 | 3.99× | 5.48× | ||
| Q3 25 | 3.34× | 0.21× | ||
| Q2 25 | — | 1.01× | ||
| Q1 25 | 1.15× | 2.20× | ||
| Q4 24 | 0.97× | 2.46× | ||
| Q3 24 | 1.66× | -5.99× | ||
| Q2 24 | 1.10× | -0.80× | ||
| Q1 24 | 1.89× | 0.61× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
