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Side-by-side financial comparison of BGM Group Ltd. (BGM) and First Bancorp, Inc (FNLC). Click either name above to swap in a different company.
BGM Group Ltd. is the larger business by last-quarter revenue ($29.2M vs $25.8M, roughly 1.1× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs 1.5%, a 37.9% gap on every dollar of revenue.
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
BGM vs FNLC — Head-to-Head
Income Statement — Q2 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $25.8M |
| Net Profit | $439.4K | $10.2M |
| Gross Margin | 7.9% | — |
| Operating Margin | 0.7% | 48.1% |
| Net Margin | 1.5% | 39.4% |
| Revenue YoY | — | 17.5% |
| Net Profit YoY | — | 39.7% |
| EPS (diluted) | — | $0.91 |
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 | — | $25.8M | ||
| Q3 25 | — | $24.5M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | $29.2M | $21.8M | ||
| Q4 24 | — | $22.0M | ||
| Q3 24 | $22.8M | $20.5M | ||
| Q2 24 | — | $19.2M | ||
| Q1 24 | $32.1M | $18.5M |
| Q4 25 | — | $10.2M | ||
| Q3 25 | — | $9.1M | ||
| Q2 25 | — | $8.1M | ||
| Q1 25 | $439.4K | $7.1M | ||
| Q4 24 | — | $7.3M | ||
| Q3 24 | — | $7.6M | ||
| Q2 24 | — | $6.2M | ||
| Q1 24 | $249.7K | $6.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 7.9% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 10.9% | — |
| Q4 25 | — | 48.1% | ||
| Q3 25 | — | 45.2% | ||
| Q2 25 | — | 43.7% | ||
| Q1 25 | 0.7% | 39.3% | ||
| Q4 24 | — | 39.5% | ||
| Q3 24 | -3.8% | 44.6% | ||
| Q2 24 | — | 38.8% | ||
| Q1 24 | 3.8% | 39.3% |
| Q4 25 | — | 39.4% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 35.8% | ||
| Q1 25 | 1.5% | 32.5% | ||
| Q4 24 | — | 33.1% | ||
| Q3 24 | — | 36.9% | ||
| Q2 24 | — | 32.1% | ||
| Q1 24 | 0.8% | 32.5% |
| Q4 25 | — | $0.91 | ||
| Q3 25 | — | $0.81 | ||
| Q2 25 | — | $0.72 | ||
| Q1 25 | — | $0.63 | ||
| Q4 24 | — | $0.66 | ||
| Q3 24 | — | $0.68 | ||
| Q2 24 | — | $0.55 | ||
| Q1 24 | — | $0.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $9.7M | — |
| Total DebtLower is stronger | — | $95.5M |
| Stockholders' EquityBook value | $182.1M | $283.1M |
| Total Assets | $207.4M | $3.2B |
| Debt / EquityLower = less leverage | — | 0.34× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $9.7M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $599.4K | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $10.3M | — |
| Q4 25 | — | $95.5M | ||
| Q3 25 | — | $95.5M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $70.0M | ||
| Q4 24 | — | $95.0M | ||
| Q3 24 | — | $95.0M | ||
| Q2 24 | — | $70.0M | ||
| Q1 24 | — | $70.0M |
| Q4 25 | — | $283.1M | ||
| Q3 25 | — | $274.6M | ||
| Q2 25 | — | $265.5M | ||
| Q1 25 | $182.1M | $259.7M | ||
| Q4 24 | — | $252.5M | ||
| Q3 24 | $9.8M | $256.8M | ||
| Q2 24 | — | $244.7M | ||
| Q1 24 | $43.4M | $242.6M |
| Q4 25 | — | $3.2B | ||
| Q3 25 | — | $3.2B | ||
| Q2 25 | — | $3.2B | ||
| Q1 25 | $207.4M | $3.2B | ||
| Q4 24 | — | $3.2B | ||
| Q3 24 | $26.0M | $3.1B | ||
| Q2 24 | — | $3.1B | ||
| Q1 24 | $49.9M | $3.0B |
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 0.36× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.38× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.29× | ||
| Q1 24 | — | 0.29× |
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 | — | $37.8M |
| Free Cash FlowOCF − Capex | — | $34.6M |
| FCF MarginFCF / Revenue | — | 133.9% |
| Capex IntensityCapex / Revenue | — | 12.5% |
| Cash ConversionOCF / Net Profit | — | 3.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | $55.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $37.8M | ||
| Q3 25 | — | $12.9M | ||
| Q2 25 | — | $7.4M | ||
| Q1 25 | — | $2.2M | ||
| Q4 24 | — | $26.0M | ||
| Q3 24 | $-5.1M | $9.8M | ||
| Q2 24 | — | $6.4M | ||
| Q1 24 | — | $-1.5M |
| Q4 25 | — | $34.6M | ||
| Q3 25 | — | $12.6M | ||
| Q2 25 | — | $7.2M | ||
| Q1 25 | — | $828.0K | ||
| Q4 24 | — | $24.6M | ||
| Q3 24 | $-5.1M | $9.6M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $-1.8M |
| Q4 25 | — | 133.9% | ||
| Q3 25 | — | 51.4% | ||
| Q2 25 | — | 32.1% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 111.7% | ||
| Q3 24 | -22.2% | 47.0% | ||
| Q2 24 | — | 32.9% | ||
| Q1 24 | — | -9.8% |
| Q4 25 | — | 12.5% | ||
| Q3 25 | — | 1.2% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 1.8% |
| Q4 25 | — | 3.72× | ||
| Q3 25 | — | 1.42× | ||
| Q2 25 | — | 0.91× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 3.58× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.03× | ||
| Q1 24 | — | -0.25× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BGM
| Other | $17.4M | 60% |
| Cost of revenue | $11.8M | 40% |
FNLC
Segment breakdown not available.
