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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Seaport Entertainment Group Inc. (SEG). 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 $29.5M, roughly 1.1× Seaport Entertainment Group Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -125.0%, a 161.3% gap on every dollar of revenue.
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.
PDLB vs SEG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $29.5M |
| Net Profit | $10.1M | $-36.9M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | -120.5% |
| Net Margin | 36.3% | -125.0% |
| Revenue YoY | 37.6% | — |
| Net Profit YoY | 245.6% | — |
| EPS (diluted) | $0.43 | $-2.90 |
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 | $29.5M | ||
| Q3 25 | $26.7M | $45.0M | ||
| Q2 25 | $26.5M | $39.8M | ||
| Q1 25 | $24.6M | $16.1M | ||
| Q4 24 | $22.8M | — | ||
| Q3 24 | $20.2M | $39.4M | ||
| Q2 24 | $20.2M | $33.7M | ||
| Q1 24 | $20.5M | — |
| Q4 25 | $10.1M | $-36.9M | ||
| Q3 25 | $6.5M | $-33.2M | ||
| Q2 25 | $6.1M | $-14.8M | ||
| Q1 25 | $6.0M | $-31.9M | ||
| Q4 24 | $2.9M | — | ||
| Q3 24 | $2.4M | $-32.5M | ||
| Q2 24 | $3.2M | $-35.0M | ||
| Q1 24 | $2.4M | — |
| Q4 25 | 43.6% | -120.5% | ||
| Q3 25 | 32.8% | -75.2% | ||
| Q2 25 | 30.2% | -40.2% | ||
| Q1 25 | 32.5% | -203.5% | ||
| Q4 24 | 19.6% | — | ||
| Q3 24 | 15.2% | -51.0% | ||
| Q2 24 | 21.8% | -75.3% | ||
| Q1 24 | 18.3% | — |
| Q4 25 | 36.3% | -125.0% | ||
| Q3 25 | 24.3% | -73.7% | ||
| Q2 25 | 23.0% | -37.1% | ||
| Q1 25 | 24.2% | -198.4% | ||
| Q4 24 | 14.1% | — | ||
| Q3 24 | 12.1% | -82.5% | ||
| Q2 24 | 15.8% | -103.9% | ||
| Q1 24 | 11.8% | — |
| Q4 25 | $0.43 | $-2.90 | ||
| Q3 25 | $0.27 | $-2.61 | ||
| Q2 25 | $0.25 | $-1.16 | ||
| Q1 25 | $0.25 | $-2.51 | ||
| Q4 24 | $0.11 | — | ||
| Q3 24 | $0.10 | $-5.89 | ||
| Q2 24 | $0.14 | $-6.34 | ||
| Q1 24 | $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 | $126.2M | $77.8M |
| Total DebtLower is stronger | $596.1M | $38.3M |
| Stockholders' EquityBook value | $541.5M | $456.5M |
| Total Assets | $3.2B | $650.1M |
| Debt / EquityLower = less leverage | 1.10× | 0.08× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $77.8M | ||
| Q3 25 | $146.6M | $106.2M | ||
| Q2 25 | $126.6M | $123.3M | ||
| Q1 25 | $129.9M | $129.9M | ||
| Q4 24 | $139.8M | — | ||
| Q3 24 | $155.8M | $23.7M | ||
| Q2 24 | $103.2M | $3.3M | ||
| Q1 24 | $134.7M | — |
| Q4 25 | $596.1M | $38.3M | ||
| Q3 25 | $521.1M | $39.3M | ||
| Q2 25 | $536.1M | $100.6M | ||
| Q1 25 | $521.1M | $101.6M | ||
| Q4 24 | $596.1M | — | ||
| Q3 24 | $580.4M | $103.3M | ||
| Q2 24 | $680.4M | $157.1M | ||
| Q1 24 | $680.4M | — |
| Q4 25 | $541.5M | $456.5M | ||
| Q3 25 | $529.8M | $485.8M | ||
| Q2 25 | $521.1M | $517.9M | ||
| Q1 25 | $513.9M | $531.2M | ||
| Q4 24 | $505.5M | — | ||
| Q3 24 | $504.6M | $433.8M | ||
| Q2 24 | $497.7M | $380.7M | ||
| Q1 24 | $493.7M | — |
| Q4 25 | $3.2B | $650.1M | ||
| Q3 25 | $3.2B | $699.1M | ||
| Q2 25 | $3.2B | $717.2M | ||
| Q1 25 | $3.1B | $718.4M | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $3.0B | $622.8M | ||
| Q2 24 | $2.8B | $610.1M | ||
| Q1 24 | $2.8B | — |
| Q4 25 | 1.10× | 0.08× | ||
| Q3 25 | 0.98× | 0.08× | ||
| Q2 25 | 1.03× | 0.19× | ||
| Q1 25 | 1.01× | 0.19× | ||
| Q4 24 | 1.18× | — | ||
| Q3 24 | 1.15× | 0.24× | ||
| Q2 24 | 1.37× | 0.41× | ||
| 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 | $-23.1M |
| Free Cash FlowOCF − Capex | $54.6M | — |
| FCF MarginFCF / Revenue | 173.9% | — |
| Capex IntensityCapex / Revenue | 3.1% | — |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $-23.1M | ||
| Q3 25 | $1.4M | $-5.3M | ||
| Q2 25 | $6.2M | $-754.0K | ||
| Q1 25 | $13.1M | $-20.5M | ||
| Q4 24 | $7.2M | — | ||
| Q3 24 | $-14.6M | $-8.8M | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $1.5M | — |
| Q4 25 | $54.6M | — | ||
| Q3 25 | $786.0K | — | ||
| Q2 25 | $5.9M | — | ||
| Q1 25 | $12.9M | — | ||
| Q4 24 | $4.5M | — | ||
| Q3 24 | $-15.0M | — | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-315.0K | — |
| Q4 25 | 173.9% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 22.4% | — | ||
| Q1 25 | 52.6% | — | ||
| Q4 24 | 19.7% | — | ||
| Q3 24 | -74.1% | — | ||
| Q2 24 | -13.0% | — | ||
| Q1 24 | -1.5% | — |
| Q4 25 | 3.1% | — | ||
| Q3 25 | 2.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 11.9% | — | ||
| Q3 24 | 2.0% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 8.7% | — |
| Q4 25 | 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
PDLB
Segment breakdown not available.
SEG
| Sponsorships Events And Entertainment | $12.5M | 43% |
| Hospitality | $12.2M | 41% |
| Rental | $4.1M | 14% |
| Other | $631.0K | 2% |
