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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $31.4M, roughly 1.5× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -33.9%, a 70.2% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 23.7%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
PDLB vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $47.1M |
| Net Profit | $10.1M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 43.6% | -17.7% |
| Net Margin | 36.3% | -33.9% |
| Revenue YoY | 37.6% | -15.6% |
| Net Profit YoY | 245.6% | 68.8% |
| EPS (diluted) | $0.43 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $26.7M | $38.2M | ||
| Q2 25 | $26.5M | $38.4M | ||
| Q1 25 | $24.6M | $32.5M | ||
| Q4 24 | $22.8M | $55.8M | ||
| Q3 24 | $20.2M | $29.3M | ||
| Q2 24 | $20.2M | $34.0M | ||
| Q1 24 | $20.5M | $25.5M |
| Q4 25 | $10.1M | $-16.0M | ||
| Q3 25 | $6.5M | $-23.8M | ||
| Q2 25 | $6.1M | $202.5M | ||
| Q1 25 | $6.0M | $-25.0M | ||
| Q4 24 | $2.9M | $-51.1M | ||
| Q3 24 | $2.4M | $-148.3M | ||
| Q2 24 | $3.2M | $-582.3M | ||
| Q1 24 | $2.4M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 43.6% | -17.7% | ||
| Q3 25 | 32.8% | -33.6% | ||
| Q2 25 | 30.2% | -34.8% | ||
| Q1 25 | 32.5% | -65.0% | ||
| Q4 24 | 19.6% | -84.4% | ||
| Q3 24 | 15.2% | -493.2% | ||
| Q2 24 | 21.8% | -1705.5% | ||
| Q1 24 | 18.3% | -267.0% |
| Q4 25 | 36.3% | -33.9% | ||
| Q3 25 | 24.3% | -62.2% | ||
| Q2 25 | 23.0% | 527.8% | ||
| Q1 25 | 24.2% | -76.9% | ||
| Q4 24 | 14.1% | -91.6% | ||
| Q3 24 | 12.1% | -506.3% | ||
| Q2 24 | 15.8% | -1712.6% | ||
| Q1 24 | 11.8% | -283.9% |
| Q4 25 | $0.43 | $-4.40 | ||
| Q3 25 | $0.27 | $-2.84 | ||
| Q2 25 | $0.25 | $-1.79 | ||
| Q1 25 | $0.25 | $-0.15 | ||
| Q4 24 | $0.11 | $-15.29 | ||
| Q3 24 | $0.10 | $-18.24 | ||
| Q2 24 | $0.14 | $-71.81 | ||
| Q1 24 | $0.11 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $-249.4M |
| Total Assets | $3.2B | $308.9M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $48.9M | ||
| Q3 25 | $146.6M | $43.1M | ||
| Q2 25 | $126.6M | $40.8M | ||
| Q1 25 | $129.9M | $58.6M | ||
| Q4 24 | $139.8M | $56.3M | ||
| Q3 24 | $155.8M | $75.4M | ||
| Q2 24 | $103.2M | $89.6M | ||
| Q1 24 | $134.7M | $112.8M |
| 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 | $-249.4M | ||
| Q3 25 | $529.8M | $-235.7M | ||
| Q2 25 | $521.1M | $-214.1M | ||
| Q1 25 | $513.9M | $-417.5M | ||
| Q4 24 | $505.5M | $-398.4M | ||
| Q3 24 | $504.6M | $-344.1M | ||
| Q2 24 | $497.7M | $-203.2M | ||
| Q1 24 | $493.7M | $371.6M |
| Q4 25 | $3.2B | $308.9M | ||
| Q3 25 | $3.2B | $362.6M | ||
| Q2 25 | $3.2B | $379.2M | ||
| Q1 25 | $3.1B | $405.1M | ||
| Q4 24 | $3.0B | $437.4M | ||
| Q3 24 | $3.0B | $537.8M | ||
| Q2 24 | $2.8B | $691.5M | ||
| Q1 24 | $2.8B | $1.3B |
| 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 | $8.2M |
| 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 | $8.2M | ||
| Q3 25 | $1.4M | $11.4M | ||
| Q2 25 | $6.2M | $-21.3M | ||
| Q1 25 | $13.1M | $8.5M | ||
| Q4 24 | $7.2M | $-14.7M | ||
| Q3 24 | $-14.6M | $-9.4M | ||
| Q2 24 | $-2.6M | $-11.9M | ||
| Q1 24 | $1.5M | $-621.0K |
| 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× | -0.11× | ||
| 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.
