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Side-by-side financial comparison of Ponce Financial Group, Inc. (PDLB) and Zevia PBC (ZVIA). Click either name above to swap in a different company.
Zevia PBC is the larger business by last-quarter revenue ($37.9M vs $31.4M, roughly 1.2× Ponce Financial Group, Inc.). Ponce Financial Group, Inc. runs the higher net margin — 36.3% vs -3.4%, a 39.7% gap on every dollar of revenue. On growth, Ponce Financial Group, Inc. posted the faster year-over-year revenue change (37.6% vs -4.0%). Over the past eight quarters, Ponce Financial Group, Inc.'s revenue compounded faster (23.7% CAGR vs -1.2%).
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.
Zevia is a Los Angeles based company that produces soft drinks, organic tea, energy drinks, and mixers sweetened with stevia. All Zevia products are zero-calorie, sugar-free, gluten free, vegan, certified kosher, and certified by The Non-GMO Project. In June 2021, Zevia filed to go public with an IPO.
PDLB vs ZVIA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $31.4M | $37.9M |
| Net Profit | $10.1M | $-1.3M |
| Gross Margin | — | 47.7% |
| Operating Margin | 43.6% | -4.0% |
| Net Margin | 36.3% | -3.4% |
| Revenue YoY | 37.6% | -4.0% |
| Net Profit YoY | 245.6% | 80.9% |
| EPS (diluted) | $0.43 | $-0.02 |
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 | $37.9M | ||
| Q3 25 | $26.7M | $40.8M | ||
| Q2 25 | $26.5M | $44.5M | ||
| Q1 25 | $24.6M | $38.0M | ||
| Q4 24 | $22.8M | $39.5M | ||
| Q3 24 | $20.2M | $36.4M | ||
| Q2 24 | $20.2M | $40.4M | ||
| Q1 24 | $20.5M | $38.8M |
| Q4 25 | $10.1M | $-1.3M | ||
| Q3 25 | $6.5M | $-2.7M | ||
| Q2 25 | $6.1M | $-651.0K | ||
| Q1 25 | $6.0M | $-6.4M | ||
| Q4 24 | $2.9M | $-6.8M | ||
| Q3 24 | $2.4M | $-2.5M | ||
| Q2 24 | $3.2M | $-7.0M | ||
| Q1 24 | $2.4M | $-7.2M |
| Q4 25 | — | 47.7% | ||
| Q3 25 | — | 45.6% | ||
| Q2 25 | — | 48.7% | ||
| Q1 25 | — | 50.1% | ||
| Q4 24 | — | 49.2% | ||
| Q3 24 | — | 49.1% | ||
| Q2 24 | — | 41.9% | ||
| Q1 24 | — | 45.7% |
| Q4 25 | 43.6% | -4.0% | ||
| Q3 25 | 32.8% | -7.0% | ||
| Q2 25 | 30.2% | -2.3% | ||
| Q1 25 | 32.5% | -16.8% | ||
| Q4 24 | 19.6% | -16.1% | ||
| Q3 24 | 15.2% | -8.2% | ||
| Q2 24 | 21.8% | -17.5% | ||
| Q1 24 | 18.3% | -18.8% |
| Q4 25 | 36.3% | -3.4% | ||
| Q3 25 | 24.3% | -6.6% | ||
| Q2 25 | 23.0% | -1.5% | ||
| Q1 25 | 24.2% | -16.8% | ||
| Q4 24 | 14.1% | -17.2% | ||
| Q3 24 | 12.1% | -6.9% | ||
| Q2 24 | 15.8% | -17.2% | ||
| Q1 24 | 11.8% | -18.6% |
| Q4 25 | $0.43 | $-0.02 | ||
| Q3 25 | $0.27 | $-0.04 | ||
| Q2 25 | $0.25 | $-0.01 | ||
| Q1 25 | $0.25 | $-0.08 | ||
| Q4 24 | $0.11 | $-0.10 | ||
| Q3 24 | $0.10 | $-0.04 | ||
| Q2 24 | $0.14 | $-0.10 | ||
| Q1 24 | $0.11 | $-0.10 |
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 | $25.4M |
| Total DebtLower is stronger | $596.1M | — |
| Stockholders' EquityBook value | $541.5M | $51.0M |
| Total Assets | $3.2B | $63.6M |
| Debt / EquityLower = less leverage | 1.10× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.2M | $25.4M | ||
| Q3 25 | $146.6M | $26.0M | ||
| Q2 25 | $126.6M | — | ||
| Q1 25 | $129.9M | — | ||
| Q4 24 | $139.8M | $30.7M | ||
| 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 | $51.0M | ||
| Q3 25 | $529.8M | $51.3M | ||
| Q2 25 | $521.1M | $53.0M | ||
| Q1 25 | $513.9M | $53.7M | ||
| Q4 24 | $505.5M | $64.9M | ||
| Q3 24 | $504.6M | $72.5M | ||
| Q2 24 | $497.7M | $75.0M | ||
| Q1 24 | $493.7M | $80.3M |
| Q4 25 | $3.2B | $63.6M | ||
| Q3 25 | $3.2B | $60.0M | ||
| Q2 25 | $3.2B | $62.5M | ||
| Q1 25 | $3.1B | $62.0M | ||
| Q4 24 | $3.0B | $68.0M | ||
| Q3 24 | $3.0B | $72.9M | ||
| Q2 24 | $2.8B | $72.8M | ||
| Q1 24 | $2.8B | $85.1M |
| 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 | $-507.0K |
| 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 | $-507.0K | ||
| Q3 25 | $1.4M | $116.0K | ||
| Q2 25 | $6.2M | $-1.4M | ||
| Q1 25 | $13.1M | $-2.9M | ||
| Q4 24 | $7.2M | $-2.0M | ||
| Q3 24 | $-14.6M | $3.9M | ||
| Q2 24 | $-2.6M | $282.0K | ||
| Q1 24 | $1.5M | $-3.2M |
| 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× | — | ||
| 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.
