vs
Side-by-side financial comparison of FGI Industries Ltd. (FGI) and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK). Click either name above to swap in a different company.
FGI Industries Ltd. is the larger business by last-quarter revenue ($30.5M vs $21.5M, roughly 1.4× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -8.6%, a 39.4% 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 -14.4%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $2.3M). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs -0.5%).
FGI Industries Ltd is a global designer, manufacturer and distributor of kitchen and bath products, home organization solutions, and home improvement goods. It serves major retail chains, home specialty stores and e-commerce platforms across North America, Europe and the Asia-Pacific region.
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.
FGI vs PEBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $30.5M | $21.5M |
| Net Profit | $-2.6M | $6.6M |
| Gross Margin | 26.7% | — |
| Operating Margin | -2.2% | 40.7% |
| Net Margin | -8.6% | 30.8% |
| Revenue YoY | -14.4% | 5.6% |
| Net Profit YoY | -553.1% | 86.4% |
| EPS (diluted) | $-1.63 | $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 | $30.5M | $21.5M | ||
| Q3 25 | $35.8M | $21.4M | ||
| Q2 25 | $31.0M | $20.7M | ||
| Q1 25 | $33.2M | $20.0M | ||
| Q4 24 | $35.6M | $20.4M | ||
| Q3 24 | $36.1M | $20.5M | ||
| Q2 24 | $29.4M | $20.1M | ||
| Q1 24 | $30.8M | $19.8M |
| Q4 25 | $-2.6M | $6.6M | ||
| Q3 25 | $-1.7M | $3.7M | ||
| Q2 25 | $-1.2M | $5.2M | ||
| Q1 25 | $-629.1K | $4.3M | ||
| Q4 24 | $-402.3K | $3.6M | ||
| Q3 24 | $-550.1K | $4.0M | ||
| Q2 24 | $163.6K | $4.9M | ||
| Q1 24 | $-412.2K | $3.9M |
| Q4 25 | 26.7% | — | ||
| Q3 25 | 26.5% | — | ||
| Q2 25 | 28.1% | — | ||
| Q1 25 | 26.8% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 25.8% | — | ||
| Q2 24 | 30.5% | — | ||
| Q1 24 | 27.4% | — |
| Q4 25 | -2.2% | 40.7% | ||
| Q3 25 | 1.0% | 22.4% | ||
| Q2 25 | -2.7% | 32.2% | ||
| Q1 25 | -3.9% | 28.2% | ||
| Q4 24 | -3.5% | 22.5% | ||
| Q3 24 | -0.2% | 26.0% | ||
| Q2 24 | -1.5% | 31.3% | ||
| Q1 24 | -1.0% | 23.9% |
| Q4 25 | -8.6% | 30.8% | ||
| Q3 25 | -4.6% | 17.2% | ||
| Q2 25 | -4.0% | 24.9% | ||
| Q1 25 | -1.9% | 21.8% | ||
| Q4 24 | -1.1% | 17.5% | ||
| Q3 24 | -1.5% | 19.3% | ||
| Q2 24 | 0.6% | 24.4% | ||
| Q1 24 | -1.3% | 19.9% |
| Q4 25 | $-1.63 | $1.21 | ||
| Q3 25 | $-0.86 | $0.67 | ||
| Q2 25 | $-0.64 | $0.95 | ||
| Q1 25 | $-0.07 | $0.79 | ||
| Q4 24 | $-0.38 | $0.65 | ||
| Q3 24 | $-0.29 | $0.72 | ||
| Q2 24 | $0.08 | $0.89 | ||
| Q1 24 | $-0.04 | $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 | $1.9M | $58.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $17.3M | $157.1M |
| Total Assets | $69.5M | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.9M | $58.1M | ||
| Q3 25 | $1.9M | — | ||
| Q2 25 | $2.5M | — | ||
| Q1 25 | $1.2M | — | ||
| Q4 24 | $4.6M | $59.3M | ||
| Q3 24 | $3.0M | $73.2M | ||
| Q2 24 | $1.3M | — | ||
| Q1 24 | $3.3M | — |
| Q4 25 | $17.3M | $157.1M | ||
| Q3 25 | $19.7M | $149.5M | ||
| Q2 25 | $21.3M | $144.0M | ||
| Q1 25 | $21.8M | $138.5M | ||
| Q4 24 | $22.3M | $130.6M | ||
| Q3 24 | $23.5M | $136.3M | ||
| Q2 24 | $23.8M | $124.3M | ||
| Q1 24 | $23.9M | $121.1M |
| Q4 25 | $69.5M | $1.7B | ||
| Q3 25 | $73.0M | $1.7B | ||
| Q2 25 | $71.7M | $1.7B | ||
| Q1 25 | $68.5M | $1.7B | ||
| Q4 24 | $75.5M | $1.7B | ||
| Q3 24 | $74.7M | $1.7B | ||
| Q2 24 | $69.9M | $1.7B | ||
| Q1 24 | $68.6M | $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 | $2.3M | $21.4M |
| Free Cash FlowOCF − Capex | $2.3M | $20.0M |
| FCF MarginFCF / Revenue | 7.5% | 92.7% |
| Capex IntensityCapex / Revenue | 0.2% | 6.6% |
| Cash ConversionOCF / Net Profit | — | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | $-212.5K | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $21.4M | ||
| Q3 25 | $-1.9M | $4.7M | ||
| Q2 25 | $7.6M | $5.5M | ||
| Q1 25 | $-7.4M | $5.9M | ||
| Q4 24 | $617.4K | $20.6M | ||
| Q3 24 | $-915.0K | $4.9M | ||
| Q2 24 | $862.1K | $6.7M | ||
| Q1 24 | $-8.0M | $3.7M |
| Q4 25 | $2.3M | $20.0M | ||
| Q3 25 | $-2.1M | $4.4M | ||
| Q2 25 | $7.4M | $5.4M | ||
| Q1 25 | $-7.7M | $5.2M | ||
| Q4 24 | $-214.1K | $20.0M | ||
| Q3 24 | $-1.1M | $4.7M | ||
| Q2 24 | $281.5K | $6.6M | ||
| Q1 24 | $-8.6M | $3.5M |
| Q4 25 | 7.5% | 92.7% | ||
| Q3 25 | -5.9% | 20.4% | ||
| Q2 25 | 23.8% | 25.9% | ||
| Q1 25 | -23.3% | 25.8% | ||
| Q4 24 | -0.6% | 98.0% | ||
| Q3 24 | -3.0% | 22.9% | ||
| Q2 24 | 1.0% | 32.7% | ||
| Q1 24 | -28.0% | 17.9% |
| Q4 25 | 0.2% | 6.6% | ||
| Q3 25 | 0.7% | 1.5% | ||
| Q2 25 | 0.7% | 0.5% | ||
| Q1 25 | 1.1% | 3.8% | ||
| Q4 24 | 2.3% | 2.9% | ||
| Q3 24 | 0.5% | 1.0% | ||
| Q2 24 | 2.0% | 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 | 5.27× | 1.36× | ||
| Q1 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FGI
| Sanitaryware | $19.1M | 63% |
| Shower System | $5.8M | 19% |
| Kitchen And Bath Other | $3.3M | 11% |
| Bath Furniture Products | $2.3M | 7% |
PEBK
Segment breakdown not available.
