vs
Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
Ponce Financial Group, Inc. is the larger business by last-quarter revenue ($31.4M vs $18.6M, roughly 1.7× Zeo Energy Corp.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -10.8%, a 47.1% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -0.4%). Ponce Financial Group, Inc. produced more free cash flow last quarter ($54.6M vs $2.3M). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -4.0%).
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 ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $18.6M |
| Net Profit | $10.1M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 43.6% | -11.8% |
| Net Margin | 36.3% | -10.8% |
| Revenue YoY | 37.6% | -0.4% |
| Net Profit YoY | 245.6% | -360.9% |
| EPS (diluted) | $0.43 | — |
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 | $18.6M | ||
| Q3 25 | $26.7M | $23.9M | ||
| Q2 25 | $26.5M | $18.1M | ||
| Q1 25 | $24.6M | $8.8M | ||
| Q4 24 | $22.8M | $18.6M | ||
| Q3 24 | $20.2M | $19.7M | ||
| Q2 24 | $20.2M | $14.8M | ||
| Q1 24 | $20.5M | $20.1M |
| Q4 25 | $10.1M | $-2.0M | ||
| Q3 25 | $6.5M | $-3.2M | ||
| Q2 25 | $6.1M | $-2.4M | ||
| Q1 25 | $6.0M | $-6.4M | ||
| Q4 24 | $2.9M | $-435.3K | ||
| Q3 24 | $2.4M | $-424.3K | ||
| Q2 24 | $3.2M | $-277.8K | ||
| Q1 24 | $2.4M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 43.6% | -11.8% | ||
| Q3 25 | 32.8% | -8.3% | ||
| Q2 25 | 30.2% | -15.8% | ||
| Q1 25 | 32.5% | -153.8% | ||
| Q4 24 | 19.6% | -6.0% | ||
| Q3 24 | 15.2% | -15.2% | ||
| Q2 24 | 21.8% | -18.0% | ||
| Q1 24 | 18.3% | -20.1% |
| Q4 25 | 36.3% | -10.8% | ||
| Q3 25 | 24.3% | -13.5% | ||
| Q2 25 | 23.0% | -13.3% | ||
| Q1 25 | 24.2% | -72.4% | ||
| Q4 24 | 14.1% | -2.3% | ||
| Q3 24 | 12.1% | -2.2% | ||
| Q2 24 | 15.8% | -1.9% | ||
| Q1 24 | 11.8% | -7.6% |
| Q4 25 | $0.43 | — | ||
| Q3 25 | $0.27 | — | ||
| Q2 25 | $0.25 | — | ||
| Q1 25 | $0.25 | $-0.48 | ||
| Q4 24 | $0.11 | $1.11 | ||
| Q3 24 | $0.10 | $-0.08 | ||
| Q2 24 | $0.14 | $0.03 | ||
| Q1 24 | $0.11 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | $596.1M | $79.1K |
| Stockholders' EquityBook value | $541.5M | $5.3M |
| Total Assets | $3.2B | $56.9M |
| Debt / EquityLower = less leverage | 1.10× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $6.1M | ||
| Q3 25 | $146.6M | $3.9M | ||
| Q2 25 | $126.6M | $68.7K | ||
| Q1 25 | $129.9M | $2.9M | ||
| Q4 24 | $139.8M | $5.6M | ||
| Q3 24 | $155.8M | $4.3M | ||
| Q2 24 | $103.2M | $5.3M | ||
| Q1 24 | $134.7M | — |
| Q4 25 | $596.1M | $79.1K | ||
| Q3 25 | $521.1M | $84.6K | ||
| Q2 25 | $536.1M | $642.8K | ||
| Q1 25 | $521.1M | $715.4K | ||
| Q4 24 | $596.1M | $787.7K | ||
| Q3 24 | $580.4M | $858.6K | ||
| Q2 24 | $680.4M | $1.6M | ||
| Q1 24 | $680.4M | $748.8K |
| Q4 25 | $541.5M | $5.3M | ||
| Q3 25 | $529.8M | $-1.7M | ||
| Q2 25 | $521.1M | $-59.4M | ||
| Q1 25 | $513.9M | $-23.1M | ||
| Q4 24 | $505.5M | $-88.9M | ||
| Q3 24 | $504.6M | $-39.3M | ||
| Q2 24 | $497.7M | $-53.0M | ||
| Q1 24 | $493.7M | $-173.0M |
| Q4 25 | $3.2B | $56.9M | ||
| Q3 25 | $3.2B | $58.5M | ||
| Q2 25 | $3.2B | $46.2M | ||
| Q1 25 | $3.1B | $47.4M | ||
| Q4 24 | $3.0B | $61.0M | ||
| Q3 24 | $3.0B | $47.1M | ||
| Q2 24 | $2.8B | $49.1M | ||
| Q1 24 | $2.8B | $50.1M |
| Q4 25 | 1.10× | 0.01× | ||
| 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 | $2.4M |
| Free Cash FlowOCF − Capex | $54.6M | $2.3M |
| FCF MarginFCF / Revenue | 173.9% | 12.2% |
| Capex IntensityCapex / Revenue | 3.1% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.3M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $55.6M | $2.4M | ||
| Q3 25 | $1.4M | $-6.6M | ||
| Q2 25 | $6.2M | $-2.3M | ||
| Q1 25 | $13.1M | $-2.3M | ||
| Q4 24 | $7.2M | $3.5M | ||
| Q3 24 | $-14.6M | $162.2K | ||
| Q2 24 | $-2.6M | $-2.2M | ||
| Q1 24 | $1.5M | $-10.2M |
| Q4 25 | $54.6M | $2.3M | ||
| Q3 25 | $786.0K | $-6.8M | ||
| Q2 25 | $5.9M | $-2.7M | ||
| Q1 25 | $12.9M | $-2.6M | ||
| Q4 24 | $4.5M | $3.4M | ||
| Q3 24 | $-15.0M | $116.5K | ||
| Q2 24 | $-2.6M | $-2.3M | ||
| Q1 24 | $-315.0K | $-10.4M |
| Q4 25 | 173.9% | 12.2% | ||
| Q3 25 | 2.9% | -28.6% | ||
| Q2 25 | 22.4% | -15.0% | ||
| Q1 25 | 52.6% | -30.0% | ||
| Q4 24 | 19.7% | 18.2% | ||
| Q3 24 | -74.1% | 0.6% | ||
| Q2 24 | -13.0% | -15.6% | ||
| Q1 24 | -1.5% | -51.5% |
| Q4 25 | 3.1% | 0.9% | ||
| Q3 25 | 2.3% | 1.0% | ||
| Q2 25 | 1.0% | 2.4% | ||
| Q1 25 | 0.6% | 4.2% | ||
| Q4 24 | 11.9% | 0.5% | ||
| Q3 24 | 2.0% | 0.2% | ||
| Q2 24 | 0.3% | 0.7% | ||
| Q1 24 | 8.7% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
