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Side-by-side financial comparison of BGSF, INC. (BGSF) and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK). Click either name above to swap in a different company.
BGSF, INC. is the larger business by last-quarter revenue ($22.0M vs $21.5M, roughly 1.0× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -5.3%, a 36.1% gap on every dollar of revenue. On growth, PEOPLES BANCORP OF NORTH CAROLINA INC posted the faster year-over-year revenue change (5.6% vs -9.4%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $1.7M). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs -5.3%).
BGSF Inc. is a leading U.S.-headquartered workforce solutions firm that provides tailored staffing, talent recruitment, and end-to-end workforce management services. It serves core segments including information technology, healthcare, professional administration, light industrial, and creative industries, catering to small, mid-sized and large enterprise clients across North America.
PEOPLES BANCORP OF NORTH CAROLINA INC is a regional bank holding company headquartered in North Carolina, U.S. It offers a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving local residents, small and medium-sized enterprises, and community organizations across its operating areas in North Carolina.
BGSF vs PEBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.0M | $21.5M |
| Net Profit | $-1.2M | $6.6M |
| Gross Margin | 35.0% | — |
| Operating Margin | -17.6% | 40.7% |
| Net Margin | -5.3% | 30.8% |
| Revenue YoY | -9.4% | 5.6% |
| Net Profit YoY | -18.2% | 86.4% |
| EPS (diluted) | $-0.12 | $1.21 |
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 | $22.0M | $21.5M | ||
| Q3 25 | $26.9M | $21.4M | ||
| Q2 25 | $23.5M | $20.7M | ||
| Q1 25 | $20.9M | $20.0M | ||
| Q4 24 | $24.3M | $20.4M | ||
| Q3 24 | $29.8M | $20.5M | ||
| Q2 24 | $25.7M | $20.1M | ||
| Q1 24 | $24.5M | $19.8M |
| Q4 25 | $-1.2M | $6.6M | ||
| Q3 25 | $-5.8M | $3.7M | ||
| Q2 25 | $-3.7M | $5.2M | ||
| Q1 25 | $-722.0K | $4.3M | ||
| Q4 24 | $-981.0K | $3.6M | ||
| Q3 24 | $-804.0K | $4.0M | ||
| Q2 24 | $-761.0K | $4.9M | ||
| Q1 24 | $-792.0K | $3.9M |
| Q4 25 | 35.0% | — | ||
| Q3 25 | 35.9% | — | ||
| Q2 25 | 35.8% | — | ||
| Q1 25 | 36.2% | — | ||
| Q4 24 | 35.9% | — | ||
| Q3 24 | 35.9% | — | ||
| Q2 24 | 37.3% | — | ||
| Q1 24 | 38.1% | — |
| Q4 25 | -17.6% | 40.7% | ||
| Q3 25 | -3.5% | 22.4% | ||
| Q2 25 | -18.8% | 32.2% | ||
| Q1 25 | 1.6% | 28.2% | ||
| Q4 24 | -15.7% | 22.5% | ||
| Q3 24 | -3.4% | 26.0% | ||
| Q2 24 | -5.7% | 31.3% | ||
| Q1 24 | 1.7% | 23.9% |
| Q4 25 | -5.3% | 30.8% | ||
| Q3 25 | -21.6% | 17.2% | ||
| Q2 25 | -15.9% | 24.9% | ||
| Q1 25 | -3.5% | 21.8% | ||
| Q4 24 | -4.0% | 17.5% | ||
| Q3 24 | -2.7% | 19.3% | ||
| Q2 24 | -3.0% | 24.4% | ||
| Q1 24 | -3.2% | 19.9% |
| Q4 25 | $-0.12 | $1.21 | ||
| Q3 25 | $-0.52 | $0.67 | ||
| Q2 25 | $-0.34 | $0.95 | ||
| Q1 25 | $-0.06 | $0.79 | ||
| Q4 24 | — | $0.65 | ||
| Q3 24 | $-0.07 | $0.72 | ||
| Q2 24 | $-0.07 | $0.89 | ||
| Q1 24 | — | $0.72 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $58.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $48.1M | $157.1M |
| Total Assets | $57.8M | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $58.1M | ||
| Q3 25 | $41.2M | — | ||
| Q2 25 | $2.8M | — | ||
| Q1 25 | $2.0M | — | ||
| Q4 24 | $32.0K | $59.3M | ||
| Q3 24 | $262 | $73.2M | ||
| Q2 24 | $226 | — | ||
| Q1 24 | $50 | — |
| Q4 25 | $48.1M | $157.1M | ||
| Q3 25 | $50.7M | $149.5M | ||
| Q2 25 | $78.3M | $144.0M | ||
| Q1 25 | $81.8M | $138.5M | ||
| Q4 24 | $82.3M | $130.6M | ||
| Q3 24 | $82.9M | $136.3M | ||
| Q2 24 | $83.2M | $124.3M | ||
| Q1 24 | $83.6M | $121.1M |
| Q4 25 | $57.8M | $1.7B | ||
| Q3 25 | $83.6M | $1.7B | ||
| Q2 25 | $149.7M | $1.7B | ||
| Q1 25 | $152.3M | $1.7B | ||
| Q4 24 | $150.1M | $1.7B | ||
| Q3 24 | $157.3K | $1.7B | ||
| Q2 24 | $159.8K | $1.7B | ||
| Q1 24 | $170.6K | $1.7B |
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 | $1.7M | $21.4M |
| Free Cash FlowOCF − Capex | $1.7M | $20.0M |
| FCF MarginFCF / Revenue | 7.6% | 92.7% |
| Capex IntensityCapex / Revenue | 0.1% | 6.6% |
| Cash ConversionOCF / Net Profit | — | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | $-16.0K | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $21.4M | ||
| Q3 25 | $-4.8M | $4.7M | ||
| Q2 25 | $2.2M | $5.5M | ||
| Q1 25 | $1.1M | $5.9M | ||
| Q4 24 | $3.2M | $20.6M | ||
| Q3 24 | $6.5M | $4.9M | ||
| Q2 24 | $7.3M | $6.7M | ||
| Q1 24 | $7.4M | $3.7M |
| Q4 25 | $1.7M | $20.0M | ||
| Q3 25 | $-4.9M | $4.4M | ||
| Q2 25 | $2.1M | $5.4M | ||
| Q1 25 | $1.0M | $5.2M | ||
| Q4 24 | $2.5M | $20.0M | ||
| Q3 24 | $6.5M | $4.7M | ||
| Q2 24 | $7.3M | $6.6M | ||
| Q1 24 | $6.9M | $3.5M |
| Q4 25 | 7.6% | 92.7% | ||
| Q3 25 | -18.1% | 20.4% | ||
| Q2 25 | 9.1% | 25.9% | ||
| Q1 25 | 5.0% | 25.8% | ||
| Q4 24 | 10.2% | 98.0% | ||
| Q3 24 | 21.7% | 22.9% | ||
| Q2 24 | 28.5% | 32.7% | ||
| Q1 24 | 28.1% | 17.9% |
| Q4 25 | 0.1% | 6.6% | ||
| Q3 25 | 0.4% | 1.5% | ||
| Q2 25 | 0.0% | 0.5% | ||
| Q1 25 | 0.1% | 3.8% | ||
| Q4 24 | 3.0% | 2.9% | ||
| Q3 24 | 0.0% | 1.0% | ||
| Q2 24 | 0.0% | 0.4% | ||
| Q1 24 | 2.0% | 0.6% |
| Q4 25 | — | 3.22× | ||
| Q3 25 | — | 1.27× | ||
| Q2 25 | — | 1.06× | ||
| Q1 25 | — | 1.36× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BGSF
| Contract Field Talent | $21.4M | 97% |
| Other | $595.0K | 3% |
PEBK
Segment breakdown not available.
