Ponca Finance Co.
How we got $34.6M
Based on its 38 employees and its payroll, both reported for PPP in 2020 and brought up to date.
What we know
Estimated value over time
▲ 19% since 2020Today's estimate scaled by the headcount reported each year and that year's prices. A trend, not a record of past sale values.
Compared with similar businesses nearby
| Business | Est. revenue | Distance |
|---|---|---|
| PONCA FINANCE CO. this business | $16.3M | — |
| SOUTH STREET INVESTMENTS INC. Ponca City · 1 employees | $408K | 1.3 mi |
| CASH SECURITY INC Cleveland · 11 employees | $3.9M | 44.0 mi |
| SHORTS AUTOMOTIVE LLC Stillwater · 2 employees | $2.7M | 44.6 mi |
| TIGER PAWN EMPORIUM INC Enid · 3 employees | $1.1M | 48.5 mi |
The full calculation
| Employees reported to the SBA | 38 |
| Revenue from headcount (employees × revenue per employee for companies this size) | $15.4M |
| Revenue from PPP payroll (payroll ÷ payroll's share of revenue for companies this size) | $13.2M |
| Estimate: the two combined (geometric mean) | $16.3M |
| EBITDA margin (industry, adjusted for size) | 33% |
| EBITDA = revenue × margin | $5.3M |
Figures are shown toward the upper part of their range rather than at its middle.
Brought up to date assuming revenue has grown 8% a year since 2020, when the PPP figures were reported; included above.
| Estimated value = EBITDA × typical sale multiple | $34.6M |
| Multiple for this size and industry | 6.5× |
| Value range | $18.2M – $47.4M |
| Revenue range | $10.7M – $18.6M |
| EBITDA range | $3.5M – $6.1M |
| Industry (NAICS) | Consumer Lending (522291) |
EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.
Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Full methodology
People & advisors
Advisors
- BankingStride Bank, National AssociationPPP / SBA lender
From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.
Banking relationships
| Stride Bank, National Association PPP 2020 | All 504 borrowers → |
From PPP and SBA loan records, which name the bank but not the individual banker.
PPP loans
| Approved | Draw | Amount | Jobs |
|---|---|---|---|
| 5/12/2020 | first | $368K | 38 |
About Ponca Finance Co.
Ponca Finance Co. is a consumer lending company in Ponca City, Oklahoma. Its estimated annual revenue is about $16.3M, with roughly $5.3M of EBITDA. It has about 38 employees. Its estimated business value is $34.6M (likely range $18.2M–$47.4M).
Common questions
- Who owns Ponca Finance Co.?
- The owner of Ponca Finance Co. isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
- How much revenue does Ponca Finance Co. make?
- SeeBITDA estimates Ponca Finance Co.'s annual revenue at about $16.3M (likely between $10.7M and $18.6M), based on public records such as its PPP loan and retirement-plan filings, brought up to 2026.
- What is Ponca Finance Co. worth?
- About $34.6M, roughly 6.5× its estimated EBITDA of $5.3M, typical for a consumer lending company its size. Likely range: $18.2M–$47.4M.
- How many employees does Ponca Finance Co. have?
- About 38, as reported on its PPP loan.