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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Sanara MedTech Inc. (SMTI). 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 $27.5M, roughly 1.1× Sanara MedTech Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -5.9%, a 42.1% 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 $3.9M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 21.8%).
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.
Sanara MedTech Inc. is a US-based medical technology company that develops, manufactures, and distributes innovative surgical, wound care, and post-acute rehabilitation products. It mainly serves healthcare providers, hospitals, and long-term care facilities across North America, with a portfolio of FDA-cleared solutions designed to improve patient outcomes and lower clinical care operational costs.
PDLB vs SMTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $27.5M |
| Net Profit | $10.1M | $-1.6M |
| Gross Margin | — | 93.2% |
| Operating Margin | 43.6% | 23.5% |
| Net Margin | 36.3% | -5.9% |
| Revenue YoY | 37.6% | 4.6% |
| Net Profit YoY | 245.6% | 5.3% |
| EPS (diluted) | $0.43 | $-0.32 |
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 | $27.5M | ||
| Q3 25 | $26.7M | $26.3M | ||
| Q2 25 | $26.5M | $25.8M | ||
| Q1 25 | $24.6M | $23.4M | ||
| Q4 24 | $22.8M | $26.3M | ||
| Q3 24 | $20.2M | $21.7M | ||
| Q2 24 | $20.2M | $20.2M | ||
| Q1 24 | $20.5M | $18.5M |
| Q4 25 | $10.1M | $-1.6M | ||
| Q3 25 | $6.5M | $-30.4M | ||
| Q2 25 | $6.1M | $-2.0M | ||
| Q1 25 | $6.0M | $-3.5M | ||
| Q4 24 | $2.9M | $-1.7M | ||
| Q3 24 | $2.4M | $-2.9M | ||
| Q2 24 | $3.2M | $-3.5M | ||
| Q1 24 | $2.4M | $-1.8M |
| Q4 25 | — | 93.2% | ||
| Q3 25 | — | 92.9% | ||
| Q2 25 | — | 92.5% | ||
| Q1 25 | — | 92.2% | ||
| Q4 24 | — | 91.4% | ||
| Q3 24 | — | 90.8% | ||
| Q2 24 | — | 90.0% | ||
| Q1 24 | — | 89.8% |
| Q4 25 | 43.6% | 23.5% | ||
| Q3 25 | 32.8% | 11.2% | ||
| Q2 25 | 30.2% | -0.1% | ||
| Q1 25 | 32.5% | -8.9% | ||
| Q4 24 | 19.6% | 18.6% | ||
| Q3 24 | 15.2% | 3.6% | ||
| Q2 24 | 21.8% | -14.3% | ||
| Q1 24 | 18.3% | -8.3% |
| Q4 25 | 36.3% | -5.9% | ||
| Q3 25 | 24.3% | -115.5% | ||
| Q2 25 | 23.0% | -7.8% | ||
| Q1 25 | 24.2% | -15.1% | ||
| Q4 24 | 14.1% | -6.5% | ||
| Q3 24 | 12.1% | -13.2% | ||
| Q2 24 | 15.8% | -17.4% | ||
| Q1 24 | 11.8% | -9.5% |
| Q4 25 | $0.43 | $-0.32 | ||
| Q3 25 | $0.27 | $-3.40 | ||
| Q2 25 | $0.25 | $-0.23 | ||
| Q1 25 | $0.25 | $-0.41 | ||
| Q4 24 | $0.11 | $-0.18 | ||
| Q3 24 | $0.10 | $-0.34 | ||
| Q2 24 | $0.14 | $-0.41 | ||
| Q1 24 | $0.11 | $-0.21 |
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 | $16.6M |
| Total DebtLower is stronger | $596.1M | $46.0M |
| Stockholders' EquityBook value | $541.5M | $5.9M |
| Total Assets | $3.2B | $72.9M |
| Debt / EquityLower = less leverage | 1.10× | 7.74× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $16.6M | ||
| Q3 25 | $146.6M | $14.9M | ||
| Q2 25 | $126.6M | $17.0M | ||
| Q1 25 | $129.9M | $20.7M | ||
| Q4 24 | $139.8M | $15.9M | ||
| Q3 24 | $155.8M | $16.3M | ||
| Q2 24 | $103.2M | $6.2M | ||
| Q1 24 | $134.7M | $2.8M |
| Q4 25 | $596.1M | $46.0M | ||
| Q3 25 | $521.1M | $45.1M | ||
| Q2 25 | $536.1M | $44.2M | ||
| Q1 25 | $521.1M | $43.4M | ||
| Q4 24 | $596.1M | $30.7M | ||
| Q3 24 | $580.4M | $30.1M | ||
| Q2 24 | $680.4M | $14.4M | ||
| Q1 24 | $680.4M | $9.7M |
| Q4 25 | $541.5M | $5.9M | ||
| Q3 25 | $529.8M | $6.1M | ||
| Q2 25 | $521.1M | $35.4M | ||
| Q1 25 | $513.9M | $36.7M | ||
| Q4 24 | $505.5M | $39.4M | ||
| Q3 24 | $504.6M | $39.8M | ||
| Q2 24 | $497.7M | $41.7M | ||
| Q1 24 | $493.7M | $43.3M |
| Q4 25 | $3.2B | $72.9M | ||
| Q3 25 | $3.2B | $71.1M | ||
| Q2 25 | $3.2B | $98.8M | ||
| Q1 25 | $3.1B | $96.4M | ||
| Q4 24 | $3.0B | $88.1M | ||
| Q3 24 | $3.0B | $88.5M | ||
| Q2 24 | $2.8B | $73.4M | ||
| Q1 24 | $2.8B | $70.9M |
| Q4 25 | 1.10× | 7.74× | ||
| Q3 25 | 0.98× | 7.33× | ||
| Q2 25 | 1.03× | 1.25× | ||
| Q1 25 | 1.01× | 1.18× | ||
| Q4 24 | 1.18× | 0.78× | ||
| Q3 24 | 1.15× | 0.76× | ||
| Q2 24 | 1.37× | 0.34× | ||
| Q1 24 | 1.38× | 0.22× |
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 | $3.9M |
| Free Cash FlowOCF − Capex | $54.6M | $3.9M |
| FCF MarginFCF / Revenue | 173.9% | 14.0% |
| Capex IntensityCapex / Revenue | 3.1% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $2.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $3.9M | ||
| Q3 25 | $1.4M | $2.2M | ||
| Q2 25 | $6.2M | $2.7M | ||
| Q1 25 | $13.1M | $-2.0M | ||
| Q4 24 | $7.2M | $932.0K | ||
| Q3 24 | $-14.6M | $2.1M | ||
| Q2 24 | $-2.6M | $-1.4M | ||
| Q1 24 | $1.5M | $-1.6M |
| Q4 25 | $54.6M | $3.9M | ||
| Q3 25 | $786.0K | $1.1M | ||
| Q2 25 | $5.9M | $902.7K | ||
| Q1 25 | $12.9M | $-3.7M | ||
| Q4 24 | $4.5M | $859.9K | ||
| Q3 24 | $-15.0M | $2.0M | ||
| Q2 24 | $-2.6M | $-1.5M | ||
| Q1 24 | $-315.0K | $-1.7M |
| Q4 25 | 173.9% | 14.0% | ||
| Q3 25 | 2.9% | 4.2% | ||
| Q2 25 | 22.4% | 3.5% | ||
| Q1 25 | 52.6% | -15.9% | ||
| Q4 24 | 19.7% | 3.3% | ||
| Q3 24 | -74.1% | 9.4% | ||
| Q2 24 | -13.0% | -7.3% | ||
| Q1 24 | -1.5% | -9.0% |
| Q4 25 | 3.1% | 0.3% | ||
| Q3 25 | 2.3% | 4.0% | ||
| Q2 25 | 1.0% | 6.8% | ||
| Q1 25 | 0.6% | 7.4% | ||
| Q4 24 | 11.9% | 0.3% | ||
| Q3 24 | 2.0% | 0.0% | ||
| Q2 24 | 0.3% | 0.3% | ||
| Q1 24 | 8.7% | 0.4% |
| 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.
SMTI
| Soft Tissue Repair Products | $24.7M | 90% |
| Bone Fusion Products | $2.8M | 10% |
