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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $31.4M, roughly 1.9× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs 20.0%, a 16.3% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 21.8%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
PDLB vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $60.9M |
| Net Profit | $10.1M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | 43.6% | 1.5% |
| Net Margin | 36.3% | 20.0% |
| Revenue YoY | 37.6% | 21.8% |
| Net Profit YoY | 245.6% | 535.7% |
| EPS (diluted) | $0.43 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $26.7M | $41.9M | ||
| Q2 25 | $26.5M | $44.0M | ||
| Q1 25 | $24.6M | $99.0M | ||
| Q4 24 | $22.8M | $50.0M | ||
| Q3 24 | $20.2M | $70.1M | ||
| Q2 24 | $20.2M | $12.2M | ||
| Q1 24 | $20.5M | $15.9M |
| Q4 25 | $10.1M | $12.2M | ||
| Q3 25 | $6.5M | $-1.5M | ||
| Q2 25 | $6.1M | $1.5M | ||
| Q1 25 | $6.0M | $3.0M | ||
| Q4 24 | $2.9M | $1.9M | ||
| Q3 24 | $2.4M | $2.6M | ||
| Q2 24 | $3.2M | $1.4M | ||
| Q1 24 | $2.4M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | 43.6% | 1.5% | ||
| Q3 25 | 32.8% | -2.2% | ||
| Q2 25 | 30.2% | 5.1% | ||
| Q1 25 | 32.5% | 4.2% | ||
| Q4 24 | 19.6% | 0.0% | ||
| Q3 24 | 15.2% | 5.4% | ||
| Q2 24 | 21.8% | 14.0% | ||
| Q1 24 | 18.3% | 1.6% |
| Q4 25 | 36.3% | 20.0% | ||
| Q3 25 | 24.3% | -3.6% | ||
| Q2 25 | 23.0% | 3.4% | ||
| Q1 25 | 24.2% | 3.0% | ||
| Q4 24 | 14.1% | 3.8% | ||
| Q3 24 | 12.1% | 3.8% | ||
| Q2 24 | 15.8% | 11.5% | ||
| Q1 24 | 11.8% | 0.1% |
| Q4 25 | $0.43 | $0.44 | ||
| Q3 25 | $0.27 | $-0.06 | ||
| Q2 25 | $0.25 | $0.06 | ||
| Q1 25 | $0.25 | $0.12 | ||
| Q4 24 | $0.11 | $0.08 | ||
| Q3 24 | $0.10 | $0.10 | ||
| Q2 24 | $0.14 | $0.06 | ||
| Q1 24 | $0.11 | $0.00 |
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 | $85.5M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $76.6M |
| Total Assets | $3.2B | $184.9M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $85.5M | ||
| Q3 25 | $146.6M | $70.7M | ||
| Q2 25 | $126.6M | — | ||
| Q1 25 | $129.9M | — | ||
| Q4 24 | $139.8M | $23.2M | ||
| Q3 24 | $155.8M | $46.4M | ||
| Q2 24 | $103.2M | $8.3M | ||
| Q1 24 | $134.7M | $14.4M |
| 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 | $76.6M | ||
| Q3 25 | $529.8M | $63.4M | ||
| Q2 25 | $521.1M | $9.5M | ||
| Q1 25 | $513.9M | $9.4M | ||
| Q4 24 | $505.5M | $7.1M | ||
| Q3 24 | $504.6M | $7.7M | ||
| Q2 24 | $497.7M | $5.2M | ||
| Q1 24 | $493.7M | $3.7M |
| Q4 25 | $3.2B | $184.9M | ||
| Q3 25 | $3.2B | $165.4M | ||
| Q2 25 | $3.2B | $139.5M | ||
| Q1 25 | $3.1B | $113.5M | ||
| Q4 24 | $3.0B | $96.6M | ||
| Q3 24 | $3.0B | $67.3M | ||
| Q2 24 | $2.8B | $28.9M | ||
| Q1 24 | $2.8B | $26.8M |
| 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 | $16.3M |
| Free Cash FlowOCF − Capex | $54.6M | $15.8M |
| FCF MarginFCF / Revenue | 173.9% | 25.9% |
| Capex IntensityCapex / Revenue | 3.1% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.48× | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $16.3M | ||
| Q3 25 | $1.4M | $-18.4M | ||
| Q2 25 | $6.2M | $16.3M | ||
| Q1 25 | $13.1M | $20.6M | ||
| Q4 24 | $7.2M | $-21.6M | ||
| Q3 24 | $-14.6M | $38.6M | ||
| Q2 24 | $-2.6M | $-4.3M | ||
| Q1 24 | $1.5M | $2.6M |
| Q4 25 | $54.6M | $15.8M | ||
| Q3 25 | $786.0K | $-24.9M | ||
| Q2 25 | $5.9M | $5.4M | ||
| Q1 25 | $12.9M | $5.8M | ||
| Q4 24 | $4.5M | $-28.4M | ||
| Q3 24 | $-15.0M | $38.6M | ||
| Q2 24 | $-2.6M | $-6.0M | ||
| Q1 24 | $-315.0K | $2.6M |
| Q4 25 | 173.9% | 25.9% | ||
| Q3 25 | 2.9% | -59.3% | ||
| Q2 25 | 22.4% | 12.3% | ||
| Q1 25 | 52.6% | 5.8% | ||
| Q4 24 | 19.7% | -56.7% | ||
| Q3 24 | -74.1% | 55.1% | ||
| Q2 24 | -13.0% | -49.4% | ||
| Q1 24 | -1.5% | 16.4% |
| Q4 25 | 3.1% | 0.9% | ||
| Q3 25 | 2.3% | 15.3% | ||
| Q2 25 | 1.0% | 24.8% | ||
| Q1 25 | 0.6% | 15.0% | ||
| Q4 24 | 11.9% | 13.4% | ||
| Q3 24 | 2.0% | 0.1% | ||
| Q2 24 | 0.3% | 13.8% | ||
| Q1 24 | 8.7% | 0.2% |
| Q4 25 | 5.48× | 1.34× | ||
| Q3 25 | 0.21× | — | ||
| Q2 25 | 1.01× | 11.02× | ||
| Q1 25 | 2.20× | 6.93× | ||
| Q4 24 | 2.46× | -11.32× | ||
| Q3 24 | -5.99× | 14.60× | ||
| Q2 24 | -0.80× | -3.09× | ||
| Q1 24 | 0.61× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PDLB
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
