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HomeTrust Bancshares vs Ponce Financial Group: HTB and PDLB compared
HomeTrust Bancshares is the larger company: $55.5M of revenue in its latest quarter (Q3 2026) against $34.8M for Ponce Financial Group (Q3 2026). Ponce Financial Group is growing faster (+30% against +3% a year earlier). HomeTrust Bancshares is more profitable, with an operating margin of 37.1% against 35.5%.
Where the money goes: HTB and PDLB
HomeTrust Bancshares (HTB) · Q3 2026
HomeTrust Bancshares, Q3 2026: revenue $55.5M (+3% year over year), operating margin 37.1%, net earnings $18.0M, operating cash flow $10.3M. The chart follows the revenue to costs, profit and cash.
Ponce Financial Group (PDLB) · Q3 2026
Ponce Financial Group, Q3 2026: revenue $34.8M (+30% year over year), operating margin 35.5%, net earnings $18.2M, operating cash flow $13.4M. The chart follows the revenue to costs, profit and cash.
| HomeTrust Bancshares (HTB) | Ponce Financial Group (PDLB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $55.5M | $34.8M |
| Revenue growth, Y/Y | +3% | +30% |
| Operating margin | 37.1% | 35.5% |
| Net earnings | $18.0M | $18.2M |
| Net margin | 32.4% | 52.4% |
| Operating cash flow | $10.3M | $13.4M |
| Free cash flow | $9.3M | $13.4M |
Where the revenue comes from
HomeTrust Bancshares
- Net interest income: $46.5M (84%)
- Noninterest income: $9.1M (16%)
Ponce Financial Group
- Net interest income: $34.0M (98%)
- Noninterest income: $850K (2%)
Questions
Which is bigger, HomeTrust Bancshares or Ponce Financial Group?
HomeTrust Bancshares is the larger company: $55.5M of revenue in its latest quarter (Q3 2026) against $34.8M for Ponce Financial Group (Q3 2026).
Is HomeTrust Bancshares or Ponce Financial Group growing faster?
Ponce Financial Group is growing faster (+30% against +3% a year earlier).
Which is more profitable, HomeTrust Bancshares or Ponce Financial Group?
HomeTrust Bancshares is more profitable, with an operating margin of 37.1% against 35.5%.
More: HomeTrust Bancshares earnings · how HomeTrust Bancshares makes money · Ponce Financial Group earnings · how Ponce Financial Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 4, 2026). Fiscal quarters can end on different dates. Not investment advice.