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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Spok Holdings, Inc (SPOK). Click either name above to swap in a different company.
Spok Holdings, Inc is the larger business by last-quarter revenue ($33.9M vs $31.4M, roughly 1.1× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 8.7%, a 27.6% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -0.1%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $10.1M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -1.5%).
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.
Spok Holdings, Inc. is a global provider of critical communication solutions primarily serving the healthcare industry. It offers unified clinical communication platforms, secure messaging tools, alerting systems, and on-call scheduling software that help care teams coordinate efficiently, cut response times, and boost patient safety across medical facilities.
PDLB vs SPOK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $33.9M |
| Net Profit | $10.1M | $2.9M |
| Gross Margin | — | 76.7% |
| Operating Margin | 43.6% | 11.6% |
| Net Margin | 36.3% | 8.7% |
| Revenue YoY | 37.6% | -0.1% |
| Net Profit YoY | 245.6% | -19.6% |
| EPS (diluted) | $0.43 | $0.13 |
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 | $33.9M | ||
| Q3 25 | $26.7M | $33.9M | ||
| Q2 25 | $26.5M | $35.7M | ||
| Q1 25 | $24.6M | $36.3M | ||
| Q4 24 | $22.8M | $33.9M | ||
| Q3 24 | $20.2M | $34.9M | ||
| Q2 24 | $20.2M | $34.0M | ||
| Q1 24 | $20.5M | $34.9M |
| Q4 25 | $10.1M | $2.9M | ||
| Q3 25 | $6.5M | $3.2M | ||
| Q2 25 | $6.1M | $4.6M | ||
| Q1 25 | $6.0M | $5.2M | ||
| Q4 24 | $2.9M | $3.6M | ||
| Q3 24 | $2.4M | $3.7M | ||
| Q2 24 | $3.2M | $3.4M | ||
| Q1 24 | $2.4M | $4.2M |
| Q4 25 | — | 76.7% | ||
| Q3 25 | — | 78.3% | ||
| Q2 25 | — | 79.5% | ||
| Q1 25 | — | 80.1% | ||
| Q4 24 | — | 78.5% | ||
| Q3 24 | — | 79.5% | ||
| Q2 24 | — | 78.9% | ||
| Q1 24 | — | 79.5% |
| Q4 25 | 43.6% | 11.6% | ||
| Q3 25 | 32.8% | 12.9% | ||
| Q2 25 | 30.2% | 15.1% | ||
| Q1 25 | 32.5% | 16.6% | ||
| Q4 24 | 19.6% | 13.7% | ||
| Q3 24 | 15.2% | 14.2% | ||
| Q2 24 | 21.8% | 13.2% | ||
| Q1 24 | 18.3% | 14.0% |
| Q4 25 | 36.3% | 8.7% | ||
| Q3 25 | 24.3% | 9.5% | ||
| Q2 25 | 23.0% | 12.8% | ||
| Q1 25 | 24.2% | 14.3% | ||
| Q4 24 | 14.1% | 10.8% | ||
| Q3 24 | 12.1% | 10.5% | ||
| Q2 24 | 15.8% | 10.1% | ||
| Q1 24 | 11.8% | 12.1% |
| Q4 25 | $0.43 | $0.13 | ||
| Q3 25 | $0.27 | $0.15 | ||
| Q2 25 | $0.25 | $0.22 | ||
| Q1 25 | $0.25 | $0.25 | ||
| Q4 24 | $0.11 | $0.17 | ||
| Q3 24 | $0.10 | $0.18 | ||
| Q2 24 | $0.14 | $0.17 | ||
| 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 | $25.3M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $146.4M |
| Total Assets | $3.2B | $206.1M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $25.3M | ||
| Q3 25 | $146.6M | $21.4M | ||
| Q2 25 | $126.6M | $20.2M | ||
| Q1 25 | $129.9M | $19.9M | ||
| Q4 24 | $139.8M | $29.1M | ||
| Q3 24 | $155.8M | $27.8M | ||
| Q2 24 | $103.2M | $23.9M | ||
| Q1 24 | $134.7M | $23.3M |
| 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 | $146.4M | ||
| Q3 25 | $529.8M | $148.7M | ||
| Q2 25 | $521.1M | $150.9M | ||
| Q1 25 | $513.9M | $151.7M | ||
| Q4 24 | $505.5M | $154.7M | ||
| Q3 24 | $504.6M | $156.3M | ||
| Q2 24 | $497.7M | $158.2M | ||
| Q1 24 | $493.7M | $160.2M |
| Q4 25 | $3.2B | $206.1M | ||
| Q3 25 | $3.2B | $209.7M | ||
| Q2 25 | $3.2B | $208.7M | ||
| Q1 25 | $3.1B | $204.5M | ||
| Q4 24 | $3.0B | $217.1M | ||
| Q3 24 | $3.0B | $216.8M | ||
| Q2 24 | $2.8B | $216.4M | ||
| Q1 24 | $2.8B | $215.0M |
| 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 | $11.5M |
| Free Cash FlowOCF − Capex | $54.6M | $10.1M |
| FCF MarginFCF / Revenue | 173.9% | 29.9% |
| Capex IntensityCapex / Revenue | 3.1% | 4.1% |
| Cash ConversionOCF / Net Profit | 5.48× | 3.93× |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $25.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $11.5M | ||
| Q3 25 | $1.4M | $8.1M | ||
| Q2 25 | $6.2M | $7.0M | ||
| Q1 25 | $13.1M | $2.3M | ||
| Q4 24 | $7.2M | $8.4M | ||
| Q3 24 | $-14.6M | $11.1M | ||
| Q2 24 | $-2.6M | $7.4M | ||
| Q1 24 | $1.5M | $2.0M |
| Q4 25 | $54.6M | $10.1M | ||
| Q3 25 | $786.0K | $7.6M | ||
| Q2 25 | $5.9M | $6.0M | ||
| Q1 25 | $12.9M | $1.5M | ||
| Q4 24 | $4.5M | $7.5M | ||
| Q3 24 | $-15.0M | $10.3M | ||
| Q2 24 | $-2.6M | $6.8M | ||
| Q1 24 | $-315.0K | $1.1M |
| Q4 25 | 173.9% | 29.9% | ||
| Q3 25 | 2.9% | 22.4% | ||
| Q2 25 | 22.4% | 16.8% | ||
| Q1 25 | 52.6% | 4.2% | ||
| Q4 24 | 19.7% | 22.3% | ||
| Q3 24 | -74.1% | 29.4% | ||
| Q2 24 | -13.0% | 20.0% | ||
| Q1 24 | -1.5% | 3.2% |
| Q4 25 | 3.1% | 4.1% | ||
| Q3 25 | 2.3% | 1.6% | ||
| Q2 25 | 1.0% | 2.9% | ||
| Q1 25 | 0.6% | 2.1% | ||
| Q4 24 | 11.9% | 2.5% | ||
| Q3 24 | 2.0% | 2.4% | ||
| Q2 24 | 0.3% | 1.9% | ||
| Q1 24 | 8.7% | 2.5% |
| Q4 25 | 5.48× | 3.93× | ||
| Q3 25 | 0.21× | 2.54× | ||
| Q2 25 | 1.01× | 1.55× | ||
| Q1 25 | 2.20× | 0.43× | ||
| Q4 24 | 2.46× | 2.31× | ||
| Q3 24 | -5.99× | 3.03× | ||
| Q2 24 | -0.80× | 2.17× | ||
| Q1 24 | 0.61× | 0.47× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
SPOK
| Paging | $16.8M | 50% |
| Software Operations | $16.0M | 47% |
| License | $1.2M | 4% |
