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Side-by-side financial comparison of Expensify, Inc. (EXFY) and First Bancorp, Inc (FNLC). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $25.8M, roughly 1.4× First Bancorp, Inc). On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -4.9%). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
EXFY vs FNLC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $25.8M |
| Net Profit | — | $10.2M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 48.1% |
| Net Margin | — | 39.4% |
| Revenue YoY | -4.9% | 17.5% |
| Net Profit YoY | — | 39.7% |
| EPS (diluted) | $-0.07 | $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 | $35.2M | $25.8M | ||
| Q3 25 | $35.1M | $24.5M | ||
| Q2 25 | $35.8M | $22.5M | ||
| Q1 25 | $36.1M | $21.8M | ||
| Q4 24 | $37.0M | $22.0M | ||
| Q3 24 | $35.4M | $20.5M | ||
| Q2 24 | $33.3M | $19.2M | ||
| Q1 24 | $33.5M | $18.5M |
| Q4 25 | — | $10.2M | ||
| Q3 25 | $-2.3M | $9.1M | ||
| Q2 25 | $-8.8M | $8.1M | ||
| Q1 25 | $-3.2M | $7.1M | ||
| Q4 24 | — | $7.3M | ||
| Q3 24 | $-2.2M | $7.6M | ||
| Q2 24 | $-2.8M | $6.2M | ||
| Q1 24 | $-3.8M | $6.0M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 48.1% | ||
| Q3 25 | -6.4% | 45.2% | ||
| Q2 25 | -28.9% | 43.7% | ||
| Q1 25 | -4.1% | 39.3% | ||
| Q4 24 | 1.3% | 39.5% | ||
| Q3 24 | 0.8% | 44.6% | ||
| Q2 24 | 0.7% | 38.8% | ||
| Q1 24 | -5.3% | 39.3% |
| Q4 25 | — | 39.4% | ||
| Q3 25 | -6.6% | 37.0% | ||
| Q2 25 | -24.6% | 35.8% | ||
| Q1 25 | -8.8% | 32.5% | ||
| Q4 24 | — | 33.1% | ||
| Q3 24 | -6.2% | 36.9% | ||
| Q2 24 | -8.3% | 32.1% | ||
| Q1 24 | -11.3% | 32.5% |
| Q4 25 | $-0.07 | $0.91 | ||
| Q3 25 | $-0.03 | $0.81 | ||
| Q2 25 | $-0.10 | $0.72 | ||
| Q1 25 | $-0.03 | $0.63 | ||
| Q4 24 | $-0.03 | $0.66 | ||
| Q3 24 | $-0.02 | $0.68 | ||
| Q2 24 | $-0.03 | $0.55 | ||
| Q1 24 | $-0.04 | $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 | $63.1M | — |
| Total DebtLower is stronger | — | $95.5M |
| Stockholders' EquityBook value | $132.7M | $283.1M |
| Total Assets | $186.0M | $3.2B |
| Debt / EquityLower = less leverage | — | 0.34× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — | ||
| Q1 24 | $49.3M | — |
| 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 | $132.7M | $283.1M | ||
| Q3 25 | $135.7M | $274.6M | ||
| Q2 25 | $131.8M | $265.5M | ||
| Q1 25 | $134.7M | $259.7M | ||
| Q4 24 | $128.2M | $252.5M | ||
| Q3 24 | $119.9M | $256.8M | ||
| Q2 24 | $114.0M | $244.7M | ||
| Q1 24 | $106.5M | $242.6M |
| Q4 25 | $186.0M | $3.2B | ||
| Q3 25 | $186.8M | $3.2B | ||
| Q2 25 | $187.1M | $3.2B | ||
| Q1 25 | $189.2M | $3.2B | ||
| Q4 24 | $173.7M | $3.2B | ||
| Q3 24 | $176.2M | $3.1B | ||
| Q2 24 | $192.9M | $3.1B | ||
| Q1 24 | $184.8M | $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 | $2.2M | $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 | $2.2M | $37.8M | ||
| Q3 25 | $4.2M | $12.9M | ||
| Q2 25 | $8.9M | $7.4M | ||
| Q1 25 | $4.8M | $2.2M | ||
| Q4 24 | $7.4M | $26.0M | ||
| Q3 24 | $3.7M | $9.8M | ||
| Q2 24 | $9.3M | $6.4M | ||
| Q1 24 | $3.5M | $-1.5M |
| Q4 25 | — | $34.6M | ||
| Q3 25 | — | $12.6M | ||
| Q2 25 | — | $7.2M | ||
| Q1 25 | — | $828.0K | ||
| Q4 24 | — | $24.6M | ||
| Q3 24 | — | $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 | — | 47.0% | ||
| Q2 24 | — | 32.9% | ||
| Q1 24 | — | -9.8% |
| Q4 25 | — | 12.5% | ||
| Q3 25 | 0.0% | 1.2% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | 0.0% | 6.7% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.0% | 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.
