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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and SANDRIDGE ENERGY INC (SD). Click either name above to swap in a different company.
SANDRIDGE ENERGY INC is the larger business by last-quarter revenue ($39.4M vs $31.4M, roughly 1.3× Ponce Financial Group, Inc.). SANDRIDGE ENERGY INC runs the higher net margin — 54.9% vs 36.3%, a 18.6% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 1.1%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $14.4M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 14.1%).
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.
SandRidge Energy, Inc. is a company engaged in hydrocarbon exploration in the Mid-Continent region of the United States. It is organized in Delaware and headquartered in Oklahoma City, Oklahoma.
PDLB vs SD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $39.4M |
| Net Profit | $10.1M | $21.6M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 38.5% |
| Net Margin | 36.3% | 54.9% |
| Revenue YoY | 37.6% | 1.1% |
| Net Profit YoY | 245.6% | 23.1% |
| EPS (diluted) | $0.43 | $0.59 |
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 | $31.4M | $39.4M | ||
| Q3 25 | $26.7M | $39.8M | ||
| Q2 25 | $26.5M | $34.5M | ||
| Q1 25 | $24.6M | $42.6M | ||
| Q4 24 | $22.8M | $39.0M | ||
| Q3 24 | $20.2M | $30.1M | ||
| Q2 24 | $20.2M | $26.0M | ||
| Q1 24 | $20.5M | $30.3M |
| Q4 25 | $10.1M | $21.6M | ||
| Q3 25 | $6.5M | $16.0M | ||
| Q2 25 | $6.1M | $19.6M | ||
| Q1 25 | $6.0M | $13.0M | ||
| Q4 24 | $2.9M | $17.6M | ||
| Q3 24 | $2.4M | $25.5M | ||
| Q2 24 | $3.2M | $8.8M | ||
| Q1 24 | $2.4M | $11.1M |
| Q4 25 | 43.6% | 38.5% | ||
| Q3 25 | 32.8% | 37.8% | ||
| Q2 25 | 30.2% | 53.7% | ||
| Q1 25 | 32.5% | 28.6% | ||
| Q4 24 | 19.6% | 25.9% | ||
| Q3 24 | 15.2% | 28.3% | ||
| Q2 24 | 21.8% | 23.9% | ||
| Q1 24 | 18.3% | 27.8% |
| Q4 25 | 36.3% | 54.9% | ||
| Q3 25 | 24.3% | 40.1% | ||
| Q2 25 | 23.0% | 56.6% | ||
| Q1 25 | 24.2% | 30.6% | ||
| Q4 24 | 14.1% | 45.1% | ||
| Q3 24 | 12.1% | 84.8% | ||
| Q2 24 | 15.8% | 33.9% | ||
| Q1 24 | 11.8% | 36.7% |
| Q4 25 | $0.43 | $0.59 | ||
| Q3 25 | $0.27 | $0.43 | ||
| Q2 25 | $0.25 | $0.53 | ||
| Q1 25 | $0.25 | $0.35 | ||
| Q4 24 | $0.11 | $0.46 | ||
| Q3 24 | $0.10 | $0.69 | ||
| Q2 24 | $0.14 | $0.24 | ||
| Q1 24 | $0.11 | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $126.2M | $111.0M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $510.9M |
| Total Assets | $3.2B | $644.0M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $111.0M | ||
| Q3 25 | $146.6M | $101.2M | ||
| Q2 25 | $126.6M | $102.8M | ||
| Q1 25 | $129.9M | $99.7M | ||
| Q4 24 | $139.8M | $98.1M | ||
| Q3 24 | $155.8M | $92.7M | ||
| Q2 24 | $103.2M | $209.9M | ||
| Q1 24 | $134.7M | $207.0M |
| 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 | $541.5M | $510.9M | ||
| Q3 25 | $529.8M | $492.4M | ||
| Q2 25 | $521.1M | $480.2M | ||
| Q1 25 | $513.9M | $464.9M | ||
| Q4 24 | $505.5M | $460.5M | ||
| Q3 24 | $504.6M | $446.8M | ||
| Q2 24 | $497.7M | $424.8M | ||
| Q1 24 | $493.7M | $419.7M |
| Q4 25 | $3.2B | $644.0M | ||
| Q3 25 | $3.2B | $619.0M | ||
| Q2 25 | $3.2B | $602.3M | ||
| Q1 25 | $3.1B | $588.3M | ||
| Q4 24 | $3.0B | $581.5M | ||
| Q3 24 | $3.0B | $565.2M | ||
| Q2 24 | $2.8B | $529.6M | ||
| Q1 24 | $2.8B | $527.4M |
| 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 | $55.6M | $31.7M |
| Free Cash FlowOCF − Capex | $54.6M | $14.4M |
| FCF MarginFCF / Revenue | 173.9% | 36.6% |
| Capex IntensityCapex / Revenue | 3.1% | 43.8% |
| Cash ConversionOCF / Net Profit | 5.48× | 1.46× |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $41.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $31.7M | ||
| Q3 25 | $1.4M | $25.3M | ||
| Q2 25 | $6.2M | $22.9M | ||
| Q1 25 | $13.1M | $20.3M | ||
| Q4 24 | $7.2M | $26.0M | ||
| Q3 24 | $-14.6M | $20.8M | ||
| Q2 24 | $-2.6M | $11.4M | ||
| Q1 24 | $1.5M | $15.7M |
| Q4 25 | $54.6M | $14.4M | ||
| Q3 25 | $786.0K | $5.9M | ||
| Q2 25 | $5.9M | $7.3M | ||
| Q1 25 | $12.9M | $13.9M | ||
| Q4 24 | $4.5M | $13.2M | ||
| Q3 24 | $-15.0M | $10.8M | ||
| Q2 24 | $-2.6M | $9.0M | ||
| Q1 24 | $-315.0K | $14.6M |
| Q4 25 | 173.9% | 36.6% | ||
| Q3 25 | 2.9% | 14.9% | ||
| Q2 25 | 22.4% | 21.0% | ||
| Q1 25 | 52.6% | 32.7% | ||
| Q4 24 | 19.7% | 33.8% | ||
| Q3 24 | -74.1% | 36.1% | ||
| Q2 24 | -13.0% | 34.5% | ||
| Q1 24 | -1.5% | 48.1% |
| Q4 25 | 3.1% | 43.8% | ||
| Q3 25 | 2.3% | 48.6% | ||
| Q2 25 | 1.0% | 45.2% | ||
| Q1 25 | 0.6% | 15.0% | ||
| Q4 24 | 11.9% | 32.9% | ||
| Q3 24 | 2.0% | 33.3% | ||
| Q2 24 | 0.3% | 9.4% | ||
| Q1 24 | 8.7% | 3.7% |
| Q4 25 | 5.48× | 1.46× | ||
| Q3 25 | 0.21× | 1.58× | ||
| Q2 25 | 1.01× | 1.17× | ||
| Q1 25 | 2.20× | 1.56× | ||
| Q4 24 | 2.46× | 1.48× | ||
| Q3 24 | -5.99× | 0.82× | ||
| Q2 24 | -0.80× | 1.30× | ||
| Q1 24 | 0.61× | 1.41× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
SD
| Oil Reserves | $19.0M | 48% |
| Natural Gas Reserves | $11.6M | 30% |
| Natural Gas Liquids Reserves | $8.7M | 22% |
