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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
Neuronetics, Inc. is the larger business by last-quarter revenue ($41.8M vs $31.4M, roughly 1.3× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -17.2%, a 53.5% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 37.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $692.0K). Over the past eight quarters, Neuronetics, Inc.'s revenue compounded faster (54.9% 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.
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
PDLB vs STIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $41.8M |
| Net Profit | $10.1M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | 43.6% | -12.1% |
| Net Margin | 36.3% | -17.2% |
| Revenue YoY | 37.6% | 85.7% |
| Net Profit YoY | 245.6% | 43.2% |
| EPS (diluted) | $0.43 | $-0.10 |
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 | $41.8M | ||
| Q3 25 | $26.7M | $37.3M | ||
| Q2 25 | $26.5M | $38.1M | ||
| Q1 25 | $24.6M | $32.0M | ||
| Q4 24 | $22.8M | $22.5M | ||
| Q3 24 | $20.2M | $18.5M | ||
| Q2 24 | $20.2M | $16.4M | ||
| Q1 24 | $20.5M | $17.4M |
| Q4 25 | $10.1M | $-7.2M | ||
| Q3 25 | $6.5M | $-9.0M | ||
| Q2 25 | $6.1M | $-10.1M | ||
| Q1 25 | $6.0M | $-12.7M | ||
| Q4 24 | $2.9M | $-12.7M | ||
| Q3 24 | $2.4M | $-13.3M | ||
| Q2 24 | $3.2M | $-9.8M | ||
| Q1 24 | $2.4M | $-7.9M |
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
| Q4 25 | 43.6% | -12.1% | ||
| Q3 25 | 32.8% | -19.6% | ||
| Q2 25 | 30.2% | -21.1% | ||
| Q1 25 | 32.5% | -34.4% | ||
| Q4 24 | 19.6% | -51.0% | ||
| Q3 24 | 15.2% | -41.7% | ||
| Q2 24 | 21.8% | -51.7% | ||
| Q1 24 | 18.3% | -39.4% |
| Q4 25 | 36.3% | -17.2% | ||
| Q3 25 | 24.3% | -24.3% | ||
| Q2 25 | 23.0% | -26.6% | ||
| Q1 25 | 24.2% | -39.6% | ||
| Q4 24 | 14.1% | -56.4% | ||
| Q3 24 | 12.1% | -72.0% | ||
| Q2 24 | 15.8% | -59.8% | ||
| Q1 24 | 11.8% | -45.2% |
| Q4 25 | $0.43 | $-0.10 | ||
| Q3 25 | $0.27 | $-0.13 | ||
| Q2 25 | $0.25 | $-0.15 | ||
| Q1 25 | $0.25 | $-0.21 | ||
| Q4 24 | $0.11 | $-0.34 | ||
| Q3 24 | $0.10 | $-0.44 | ||
| Q2 24 | $0.14 | $-0.33 | ||
| Q1 24 | $0.11 | $-0.27 |
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 | $28.1M |
| Total DebtLower is stronger | $596.1M | $65.8M |
| Stockholders' EquityBook value | $541.5M | $22.4M |
| Total Assets | $3.2B | $141.6M |
| Debt / EquityLower = less leverage | 1.10× | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $28.1M | ||
| Q3 25 | $146.6M | $28.0M | ||
| Q2 25 | $126.6M | $11.0M | ||
| Q1 25 | $129.9M | $20.2M | ||
| Q4 24 | $139.8M | $18.5M | ||
| Q3 24 | $155.8M | $20.9M | ||
| Q2 24 | $103.2M | $42.6M | ||
| Q1 24 | $134.7M | $47.7M |
| Q4 25 | $596.1M | $65.8M | ||
| Q3 25 | $521.1M | $65.7M | ||
| Q2 25 | $536.1M | $55.5M | ||
| Q1 25 | $521.1M | $55.3M | ||
| Q4 24 | $596.1M | $55.2M | ||
| Q3 24 | $580.4M | $46.0M | ||
| Q2 24 | $680.4M | $59.8M | ||
| Q1 24 | $680.4M | $59.4M |
| Q4 25 | $541.5M | $22.4M | ||
| Q3 25 | $529.8M | $27.4M | ||
| Q2 25 | $521.1M | $27.1M | ||
| Q1 25 | $513.9M | $35.5M | ||
| Q4 24 | $505.5M | $27.7M | ||
| Q3 24 | $504.6M | $9.4M | ||
| Q2 24 | $497.7M | $19.4M | ||
| Q1 24 | $493.7M | $27.7M |
| Q4 25 | $3.2B | $141.6M | ||
| Q3 25 | $3.2B | $145.5M | ||
| Q2 25 | $3.2B | $134.7M | ||
| Q1 25 | $3.1B | $142.0M | ||
| Q4 24 | $3.0B | $140.9M | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.8B | $96.8M | ||
| Q1 24 | $2.8B | $103.8M |
| Q4 25 | 1.10× | 2.94× | ||
| Q3 25 | 0.98× | 2.40× | ||
| Q2 25 | 1.03× | 2.05× | ||
| Q1 25 | 1.01× | 1.56× | ||
| Q4 24 | 1.18× | 1.99× | ||
| Q3 24 | 1.15× | 4.90× | ||
| Q2 24 | 1.37× | 3.08× | ||
| Q1 24 | 1.38× | 2.15× |
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 | $908.0K |
| Free Cash FlowOCF − Capex | $54.6M | $692.0K |
| FCF MarginFCF / Revenue | 173.9% | 1.7% |
| Capex IntensityCapex / Revenue | 3.1% | 0.5% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $908.0K | ||
| Q3 25 | $1.4M | $-785.0K | ||
| Q2 25 | $6.2M | $-3.5M | ||
| Q1 25 | $13.1M | $-17.0M | ||
| Q4 24 | $7.2M | $-8.6M | ||
| Q3 24 | $-14.6M | $-5.4M | ||
| Q2 24 | $-2.6M | $-5.0M | ||
| Q1 24 | $1.5M | $-12.0M |
| Q4 25 | $54.6M | $692.0K | ||
| Q3 25 | $786.0K | $-899.0K | ||
| Q2 25 | $5.9M | $-3.8M | ||
| Q1 25 | $12.9M | $-17.2M | ||
| Q4 24 | $4.5M | $-8.7M | ||
| Q3 24 | $-15.0M | $-5.8M | ||
| Q2 24 | $-2.6M | $-5.6M | ||
| Q1 24 | $-315.0K | $-12.4M |
| Q4 25 | 173.9% | 1.7% | ||
| Q3 25 | 2.9% | -2.4% | ||
| Q2 25 | 22.4% | -9.9% | ||
| Q1 25 | 52.6% | -53.8% | ||
| Q4 24 | 19.7% | -38.6% | ||
| Q3 24 | -74.1% | -31.3% | ||
| Q2 24 | -13.0% | -34.0% | ||
| Q1 24 | -1.5% | -71.1% |
| Q4 25 | 3.1% | 0.5% | ||
| Q3 25 | 2.3% | 0.3% | ||
| Q2 25 | 1.0% | 0.7% | ||
| Q1 25 | 0.6% | 0.7% | ||
| Q4 24 | 11.9% | 0.4% | ||
| Q3 24 | 2.0% | 2.1% | ||
| Q2 24 | 0.3% | 3.7% | ||
| Q1 24 | 8.7% | 2.2% |
| 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.
