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Side-by-side financial comparison of FIRST BANCORP (FBNC) and Porch Group, Inc. (PRCH). Click either name above to swap in a different company.
Porch Group, Inc. is the larger business by last-quarter revenue ($121.1M vs $89.6M, roughly 1.4× FIRST BANCORP). FIRST BANCORP runs the higher net margin — 22.7% vs -3.9%, a 26.6% gap on every dollar of revenue. On growth, Porch Group, Inc. posted the faster year-over-year revenue change (100.0% vs -7.3%).
First Bancorp is an American bank holding company headquartered in Southern Pines, North Carolina, that operates as First Bank in North Carolina and South Carolina.
Porch is a website that tries to connect homeowners with local home improvement contractors. The site features advice articles, cost guide, and online booking for over 160 home projects.
FBNC vs PRCH — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $89.6M | $121.1M |
| Net Profit | $20.4M | $-4.7M |
| Gross Margin | — | 52.7% |
| Operating Margin | 29.0% | 34.7% |
| Net Margin | 22.7% | -3.9% |
| Revenue YoY | -7.3% | 100.0% |
| Net Profit YoY | 9.0% | 2.0% |
| EPS (diluted) | $0.49 | $-0.04 |
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.
| Q1 26 | — | $121.1M | ||
| Q4 25 | — | $112.3M | ||
| Q3 25 | $89.6M | $115.1M | ||
| Q2 25 | $111.0M | $107.0M | ||
| Q1 25 | $105.8M | $84.5M | ||
| Q4 24 | — | $75.3M | ||
| Q3 24 | $96.6M | $77.7M | ||
| Q2 24 | $95.7M | $75.9M |
| Q1 26 | — | $-4.7M | ||
| Q4 25 | — | $-3.5M | ||
| Q3 25 | $20.4M | $-10.9M | ||
| Q2 25 | $38.6M | $2.6M | ||
| Q1 25 | $36.4M | $8.4M | ||
| Q4 24 | — | $30.5M | ||
| Q3 24 | $18.7M | $14.4M | ||
| Q2 24 | $28.7M | $-64.3M |
| Q1 26 | — | 52.7% | ||
| Q4 25 | — | 99.5% | ||
| Q3 25 | — | 75.6% | ||
| Q2 25 | — | 70.9% | ||
| Q1 25 | — | 77.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 79.4% | ||
| Q2 24 | — | 22.1% |
| Q1 26 | — | 34.7% | ||
| Q4 25 | — | 14.7% | ||
| Q3 25 | 29.0% | 14.2% | ||
| Q2 25 | 44.9% | 4.7% | ||
| Q1 25 | 44.2% | -1.5% | ||
| Q4 24 | — | 33.3% | ||
| Q3 24 | 23.4% | -3.2% | ||
| Q2 24 | 38.5% | -69.2% |
| Q1 26 | — | -3.9% | ||
| Q4 25 | — | -3.1% | ||
| Q3 25 | 22.7% | -9.4% | ||
| Q2 25 | 34.7% | 2.4% | ||
| Q1 25 | 34.4% | 9.9% | ||
| Q4 24 | — | 40.5% | ||
| Q3 24 | 19.3% | 18.5% | ||
| Q2 24 | 30.0% | -84.8% |
| Q1 26 | — | $-0.04 | ||
| Q4 25 | — | $0.00 | ||
| Q3 25 | $0.49 | $-0.10 | ||
| Q2 25 | $0.93 | $0.00 | ||
| Q1 25 | $0.88 | $0.07 | ||
| Q4 24 | — | $0.34 | ||
| Q3 24 | $0.45 | $0.12 | ||
| Q2 24 | $0.70 | $-0.65 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $68.4M |
| Total DebtLower is stronger | $92.4M | $391.3M |
| Stockholders' EquityBook value | $1.6B | $26.3M |
| Total Assets | $12.8B | $806.6M |
| Debt / EquityLower = less leverage | 0.06× | 14.87× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $68.4M | ||
| Q4 25 | — | $57.3M | ||
| Q3 25 | — | $85.0M | ||
| Q2 25 | — | $79.8M | ||
| Q1 25 | — | $70.4M | ||
| Q4 24 | — | $191.7M | ||
| Q3 24 | — | $238.6M | ||
| Q2 24 | — | $308.4M |
| Q1 26 | — | $391.3M | ||
| Q4 25 | — | $392.8M | ||
| Q3 25 | $92.4M | $387.1M | ||
| Q2 25 | $92.2M | $394.1M | ||
| Q1 25 | $92.1M | $409.2M | ||
| Q4 24 | — | $403.9M | ||
| Q3 24 | $91.7M | $399.0M | ||
| Q2 24 | $91.5M | $436.8M |
| Q1 26 | — | $26.3M | ||
| Q4 25 | — | $-24.6M | ||
| Q3 25 | $1.6B | $-27.9M | ||
| Q2 25 | $1.6B | $-29.3M | ||
| Q1 25 | $1.5B | $-52.4M | ||
| Q4 24 | — | $-43.2M | ||
| Q3 24 | $1.5B | $-77.0M | ||
| Q2 24 | $1.4B | $-101.9M |
| Q1 26 | — | $806.6M | ||
| Q4 25 | — | $797.4M | ||
| Q3 25 | $12.8B | $787.7M | ||
| Q2 25 | $12.6B | $770.7M | ||
| Q1 25 | $12.4B | $802.3M | ||
| Q4 24 | — | $814.0M | ||
| Q3 24 | $12.2B | $867.3M | ||
| Q2 24 | $12.1B | $876.1M |
| Q1 26 | — | 14.87× | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — |
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 | $49.7M | — |
| Free Cash FlowOCF − Capex | $48.2M | — |
| FCF MarginFCF / Revenue | 53.8% | — |
| Capex IntensityCapex / Revenue | 1.6% | — |
| Cash ConversionOCF / Net Profit | 2.44× | — |
| TTM Free Cash FlowTrailing 4 quarters | $182.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $1.2M | ||
| Q3 25 | $49.7M | $40.8M | ||
| Q2 25 | $45.7M | $35.6M | ||
| Q1 25 | $52.6M | $-11.2M | ||
| Q4 24 | — | $-26.6M | ||
| Q3 24 | $38.4M | $12.4M | ||
| Q2 24 | $87.7M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.1M | ||
| Q3 25 | $48.2M | $40.7M | ||
| Q2 25 | $44.3M | $35.4M | ||
| Q1 25 | $52.4M | $-11.2M | ||
| Q4 24 | — | $-26.8M | ||
| Q3 24 | $38.0M | $12.2M | ||
| Q2 24 | $87.6M | $-26.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.0% | ||
| Q3 25 | 53.8% | 35.4% | ||
| Q2 25 | 39.9% | 33.0% | ||
| Q1 25 | 49.5% | -13.3% | ||
| Q4 24 | — | -35.6% | ||
| Q3 24 | 39.3% | 15.7% | ||
| Q2 24 | 91.6% | -34.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | 1.6% | 0.1% | ||
| Q2 25 | 1.2% | 0.2% | ||
| Q1 25 | 0.2% | 0.1% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 0.1% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.44× | — | ||
| Q2 25 | 1.19× | 13.79× | ||
| Q1 25 | 1.44× | -1.33× | ||
| Q4 24 | — | -0.87× | ||
| Q3 24 | 2.06× | 0.86× | ||
| Q2 24 | 3.06× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
