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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Vitesse Energy, Inc. (VTS). Click either name above to swap in a different company.
Vitesse Energy, Inc. is the larger business by last-quarter revenue ($58.6M vs $31.4M, roughly 1.9× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -1.3%, a 37.5% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs 4.8%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -2.1%).
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.
Vitesse Energy, Inc. is a U.S.-headquartered independent energy company focused on exploration, development, and production of oil and natural gas assets. It operates primarily in high-potential onshore basins including North Dakota's Williston Basin, serving domestic and global upstream energy market demand.
PDLB vs VTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $58.6M |
| Net Profit | $10.1M | $-739.0K |
| Gross Margin | — | — |
| Operating Margin | 43.6% | -12.0% |
| Net Margin | 36.3% | -1.3% |
| Revenue YoY | 37.6% | 4.8% |
| Net Profit YoY | 245.6% | 85.6% |
| EPS (diluted) | $0.43 | $-0.01 |
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 | $58.6M | ||
| Q3 25 | $26.7M | $67.4M | ||
| Q2 25 | $26.5M | $81.8M | ||
| Q1 25 | $24.6M | $66.2M | ||
| Q4 24 | $22.8M | $55.9M | ||
| Q3 24 | $20.2M | $58.3M | ||
| Q2 24 | $20.2M | $66.6M | ||
| Q1 24 | $20.5M | $61.2M |
| Q4 25 | $10.1M | $-739.0K | ||
| Q3 25 | $6.5M | $-1.3M | ||
| Q2 25 | $6.1M | $24.7M | ||
| Q1 25 | $6.0M | $2.7M | ||
| Q4 24 | $2.9M | $-5.1M | ||
| Q3 24 | $2.4M | $17.4M | ||
| Q2 24 | $3.2M | $10.9M | ||
| Q1 24 | $2.4M | $-2.2M |
| Q4 25 | 43.6% | -12.0% | ||
| Q3 25 | 32.8% | 0.2% | ||
| Q2 25 | 30.2% | 22.8% | ||
| Q1 25 | 32.5% | 8.1% | ||
| Q4 24 | 19.6% | 3.7% | ||
| Q3 24 | 15.2% | 15.4% | ||
| Q2 24 | 21.8% | 25.2% | ||
| Q1 24 | 18.3% | 21.4% |
| Q4 25 | 36.3% | -1.3% | ||
| Q3 25 | 24.3% | -1.9% | ||
| Q2 25 | 23.0% | 30.2% | ||
| Q1 25 | 24.2% | 4.0% | ||
| Q4 24 | 14.1% | -9.2% | ||
| Q3 24 | 12.1% | 29.9% | ||
| Q2 24 | 15.8% | 16.4% | ||
| Q1 24 | 11.8% | -3.6% |
| Q4 25 | $0.43 | $-0.01 | ||
| Q3 25 | $0.27 | $-0.03 | ||
| Q2 25 | $0.25 | $0.60 | ||
| Q1 25 | $0.25 | $0.08 | ||
| Q4 24 | $0.11 | $-0.15 | ||
| Q3 24 | $0.10 | $0.53 | ||
| Q2 24 | $0.14 | $0.33 | ||
| 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 | — |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $629.3M |
| Total Assets | $3.2B | $893.4M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | — | ||
| Q3 25 | $146.6M | — | ||
| Q2 25 | $126.6M | — | ||
| Q1 25 | $129.9M | $4.5M | ||
| Q4 24 | $139.8M | $3.0M | ||
| Q3 24 | $155.8M | — | ||
| Q2 24 | $103.2M | — | ||
| Q1 24 | $134.7M | — |
| 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 | $629.3M | ||
| Q3 25 | $529.8M | $650.3M | ||
| Q2 25 | $521.1M | $671.9M | ||
| Q1 25 | $513.9M | $667.7M | ||
| Q4 24 | $505.5M | $500.3M | ||
| Q3 24 | $504.6M | $520.4M | ||
| Q2 24 | $497.7M | $518.5M | ||
| Q1 24 | $493.7M | $522.7M |
| Q4 25 | $3.2B | $893.4M | ||
| Q3 25 | $3.2B | $932.9M | ||
| Q2 25 | $3.2B | $951.5M | ||
| Q1 25 | $3.1B | $975.2M | ||
| Q4 24 | $3.0B | $810.9M | ||
| Q3 24 | $3.0B | $791.2M | ||
| Q2 24 | $2.8B | $778.4M | ||
| Q1 24 | $2.8B | $749.7M |
| 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 | $37.4M |
| 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 | $37.4M | ||
| Q3 25 | $1.4M | $49.4M | ||
| Q2 25 | $6.2M | $66.0M | ||
| Q1 25 | $13.1M | $17.5M | ||
| Q4 24 | $7.2M | $34.7M | ||
| Q3 24 | $-14.6M | $45.7M | ||
| Q2 24 | $-2.6M | $35.2M | ||
| Q1 24 | $1.5M | $39.4M |
| 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× | 2.68× | ||
| Q1 25 | 2.20× | 6.56× | ||
| Q4 24 | 2.46× | — | ||
| Q3 24 | -5.99× | 2.62× | ||
| Q2 24 | -0.80× | 3.22× | ||
| 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.
VTS
| Oil Reserves | $54.5M | 93% |
| Natural Gas Reserves | $4.2M | 7% |
