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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Vanda Pharmaceuticals Inc. (VNDA). Click either name above to swap in a different company.
Vanda Pharmaceuticals Inc. is the larger business by last-quarter revenue ($57.2M vs $31.4M, roughly 1.8× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -246.8%, a 283.0% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 7.6%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $-29.5M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs 9.8%).
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.
Vanda Pharmaceuticals Inc. is a biopharmaceutical company focused on developing and commercializing innovative therapies for central nervous system disorders. Its key marketed products cover indications including sleep-wake cycle disturbances and schizophrenia, with core operations and primary sales markets concentrated in North America, catering to patient groups with significant unmet medical needs.
PDLB vs VNDA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $57.2M |
| Net Profit | $10.1M | $-141.2M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | -70.5% |
| Net Margin | 36.3% | -246.8% |
| Revenue YoY | 37.6% | 7.6% |
| Net Profit YoY | 245.6% | -2774.3% |
| EPS (diluted) | $0.43 | $-2.40 |
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 | $57.2M | ||
| Q3 25 | $26.7M | $56.3M | ||
| Q2 25 | $26.5M | $52.6M | ||
| Q1 25 | $24.6M | $50.0M | ||
| Q4 24 | $22.8M | $53.2M | ||
| Q3 24 | $20.2M | $47.7M | ||
| Q2 24 | $20.2M | $50.5M | ||
| Q1 24 | $20.5M | $47.5M |
| Q4 25 | $10.1M | $-141.2M | ||
| Q3 25 | $6.5M | $-22.6M | ||
| Q2 25 | $6.1M | $-27.2M | ||
| Q1 25 | $6.0M | $-29.5M | ||
| Q4 24 | $2.9M | $-4.9M | ||
| Q3 24 | $2.4M | $-5.3M | ||
| Q2 24 | $3.2M | $-4.5M | ||
| Q1 24 | $2.4M | $-4.1M |
| Q4 25 | 43.6% | -70.5% | ||
| Q3 25 | 32.8% | -55.6% | ||
| Q2 25 | 30.2% | -73.2% | ||
| Q1 25 | 32.5% | -82.0% | ||
| Q4 24 | 19.6% | -19.3% | ||
| Q3 24 | 15.2% | -23.1% | ||
| Q2 24 | 21.8% | -20.1% | ||
| Q1 24 | 18.3% | -19.5% |
| Q4 25 | 36.3% | -246.8% | ||
| Q3 25 | 24.3% | -40.1% | ||
| Q2 25 | 23.0% | -51.7% | ||
| Q1 25 | 24.2% | -58.9% | ||
| Q4 24 | 14.1% | -9.2% | ||
| Q3 24 | 12.1% | -11.2% | ||
| Q2 24 | 15.8% | -9.0% | ||
| Q1 24 | 11.8% | -8.7% |
| Q4 25 | $0.43 | $-2.40 | ||
| Q3 25 | $0.27 | $-0.38 | ||
| Q2 25 | $0.25 | $-0.46 | ||
| Q1 25 | $0.25 | $-0.50 | ||
| Q4 24 | $0.11 | $-0.09 | ||
| Q3 24 | $0.10 | $-0.09 | ||
| Q2 24 | $0.14 | $-0.08 | ||
| Q1 24 | $0.11 | $-0.07 |
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 | $84.9M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $327.2M |
| Total Assets | $3.2B | $488.9M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $84.9M | ||
| Q3 25 | $146.6M | $70.0M | ||
| Q2 25 | $126.6M | $81.0M | ||
| Q1 25 | $129.9M | $111.8M | ||
| Q4 24 | $139.8M | $102.3M | ||
| Q3 24 | $155.8M | $100.5M | ||
| Q2 24 | $103.2M | $103.0M | ||
| Q1 24 | $134.7M | $125.2M |
| 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 | $327.2M | ||
| Q3 25 | $529.8M | $466.0M | ||
| Q2 25 | $521.1M | $486.3M | ||
| Q1 25 | $513.9M | $511.4M | ||
| Q4 24 | $505.5M | $538.5M | ||
| Q3 24 | $504.6M | $541.2M | ||
| Q2 24 | $497.7M | $542.5M | ||
| Q1 24 | $493.7M | $544.0M |
| Q4 25 | $3.2B | $488.9M | ||
| Q3 25 | $3.2B | $601.1M | ||
| Q2 25 | $3.2B | $624.7M | ||
| Q1 25 | $3.1B | $631.9M | ||
| Q4 24 | $3.0B | $656.2M | ||
| Q3 24 | $3.0B | $645.1M | ||
| Q2 24 | $2.8B | $651.4M | ||
| Q1 24 | $2.8B | $652.7M |
| 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 | $-29.4M |
| Free Cash FlowOCF − Capex | $54.6M | $-29.5M |
| FCF MarginFCF / Revenue | 173.9% | -51.6% |
| Capex IntensityCapex / Revenue | 3.1% | 0.2% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $-110.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $-29.4M | ||
| Q3 25 | $1.4M | $-31.6M | ||
| Q2 25 | $6.2M | $-15.3M | ||
| Q1 25 | $13.1M | $-33.1M | ||
| Q4 24 | $7.2M | $-1.8M | ||
| Q3 24 | $-14.6M | $-14.6M | ||
| Q2 24 | $-2.6M | $-6.9M | ||
| Q1 24 | $1.5M | $7.6M |
| Q4 25 | $54.6M | $-29.5M | ||
| Q3 25 | $786.0K | $-31.8M | ||
| Q2 25 | $5.9M | $-15.6M | ||
| Q1 25 | $12.9M | $-33.6M | ||
| Q4 24 | $4.5M | $-2.0M | ||
| Q3 24 | $-15.0M | $-14.7M | ||
| Q2 24 | $-2.6M | $-7.0M | ||
| Q1 24 | $-315.0K | $7.6M |
| Q4 25 | 173.9% | -51.6% | ||
| Q3 25 | 2.9% | -56.5% | ||
| Q2 25 | 22.4% | -29.6% | ||
| Q1 25 | 52.6% | -67.1% | ||
| Q4 24 | 19.7% | -3.8% | ||
| Q3 24 | -74.1% | -30.9% | ||
| Q2 24 | -13.0% | -13.9% | ||
| Q1 24 | -1.5% | 15.9% |
| Q4 25 | 3.1% | 0.2% | ||
| Q3 25 | 2.3% | 0.3% | ||
| Q2 25 | 1.0% | 0.6% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 11.9% | 0.4% | ||
| Q3 24 | 2.0% | 0.3% | ||
| Q2 24 | 0.3% | 0.2% | ||
| Q1 24 | 8.7% | 0.0% |
| 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.
VNDA
| Fanapt | $33.2M | 58% |
| Hetlioz | $16.4M | 29% |
| PONVORY | $7.6M | 13% |
