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Side-by-side financial comparison of FIRST BANCORP (FBNC) and STEM, INC. (STEM). Click either name above to swap in a different company.
FIRST BANCORP is the larger business by last-quarter revenue ($89.6M vs $47.1M, roughly 1.9× STEM, INC.). FIRST BANCORP runs the higher net margin — 22.7% vs -33.9%, a 56.6% gap on every dollar of revenue. On growth, FIRST BANCORP posted the faster year-over-year revenue change (-7.3% vs -15.6%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
FBNC vs STEM — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $89.6M | $47.1M |
| Net Profit | $20.4M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 29.0% | -17.7% |
| Net Margin | 22.7% | -33.9% |
| Revenue YoY | -7.3% | -15.6% |
| Net Profit YoY | 9.0% | 68.8% |
| EPS (diluted) | $0.49 | $-4.40 |
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 | — | $47.1M | ||
| Q3 25 | $89.6M | $38.2M | ||
| Q2 25 | $111.0M | $38.4M | ||
| Q1 25 | $105.8M | $32.5M | ||
| Q4 24 | — | $55.8M | ||
| Q3 24 | $96.6M | $29.3M | ||
| Q2 24 | $95.7M | $34.0M | ||
| Q1 24 | $92.2M | $25.5M |
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $20.4M | $-23.8M | ||
| Q2 25 | $38.6M | $202.5M | ||
| Q1 25 | $36.4M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $18.7M | $-148.3M | ||
| Q2 24 | $28.7M | $-582.3M | ||
| Q1 24 | $25.3M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | — | -17.7% | ||
| Q3 25 | 29.0% | -33.6% | ||
| Q2 25 | 44.9% | -34.8% | ||
| Q1 25 | 44.2% | -65.0% | ||
| Q4 24 | — | -84.4% | ||
| Q3 24 | 23.4% | -493.2% | ||
| Q2 24 | 38.5% | -1705.5% | ||
| Q1 24 | 34.5% | -267.0% |
| Q4 25 | — | -33.9% | ||
| Q3 25 | 22.7% | -62.2% | ||
| Q2 25 | 34.7% | 527.8% | ||
| Q1 25 | 34.4% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 19.3% | -506.3% | ||
| Q2 24 | 30.0% | -1712.6% | ||
| Q1 24 | 27.4% | -283.9% |
| Q4 25 | — | $-4.40 | ||
| Q3 25 | $0.49 | $-2.84 | ||
| Q2 25 | $0.93 | $-1.79 | ||
| Q1 25 | $0.88 | $-0.15 | ||
| Q4 24 | — | $-15.29 | ||
| Q3 24 | $0.45 | $-18.24 | ||
| Q2 24 | $0.70 | $-71.81 | ||
| Q1 24 | $0.61 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | $92.4M | — |
| Stockholders' EquityBook value | $1.6B | $-249.4M |
| Total Assets | $12.8B | $308.9M |
| Debt / EquityLower = less leverage | 0.06× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | — | — | ||
| Q3 25 | $92.4M | — | ||
| Q2 25 | $92.2M | — | ||
| Q1 25 | $92.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $91.7M | — | ||
| Q2 24 | $91.5M | — | ||
| Q1 24 | $332.3M | — |
| Q4 25 | — | $-249.4M | ||
| Q3 25 | $1.6B | $-235.7M | ||
| Q2 25 | $1.6B | $-214.1M | ||
| Q1 25 | $1.5B | $-417.5M | ||
| Q4 24 | — | $-398.4M | ||
| Q3 24 | $1.5B | $-344.1M | ||
| Q2 24 | $1.4B | $-203.2M | ||
| Q1 24 | $1.4B | $371.6M |
| Q4 25 | — | $308.9M | ||
| Q3 25 | $12.8B | $362.6M | ||
| Q2 25 | $12.6B | $379.2M | ||
| Q1 25 | $12.4B | $405.1M | ||
| Q4 24 | — | $437.4M | ||
| Q3 24 | $12.2B | $537.8M | ||
| Q2 24 | $12.1B | $691.5M | ||
| Q1 24 | $12.1B | $1.3B |
| Q4 25 | — | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 0.06× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.07× | — | ||
| Q1 24 | 0.24× | — |
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 | $8.2M |
| 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.
| Q4 25 | — | $8.2M | ||
| Q3 25 | $49.7M | $11.4M | ||
| Q2 25 | $45.7M | $-21.3M | ||
| Q1 25 | $52.6M | $8.5M | ||
| Q4 24 | — | $-14.7M | ||
| Q3 24 | $38.4M | $-9.4M | ||
| Q2 24 | $87.7M | $-11.9M | ||
| Q1 24 | $-20.1M | $-621.0K |
| Q4 25 | — | — | ||
| Q3 25 | $48.2M | — | ||
| Q2 25 | $44.3M | — | ||
| Q1 25 | $52.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $38.0M | — | ||
| Q2 24 | $87.6M | — | ||
| Q1 24 | $-21.7M | — |
| Q4 25 | — | — | ||
| Q3 25 | 53.8% | — | ||
| Q2 25 | 39.9% | — | ||
| Q1 25 | 49.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 39.3% | — | ||
| Q2 24 | 91.6% | — | ||
| Q1 24 | -23.6% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.6% | — | ||
| Q2 25 | 1.2% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 1.8% | — |
| Q4 25 | — | — | ||
| Q3 25 | 2.44× | — | ||
| Q2 25 | 1.19× | -0.11× | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.06× | — | ||
| Q2 24 | 3.06× | — | ||
| Q1 24 | -0.80× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
