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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and GERON CORP (GERN). Click either name above to swap in a different company.

GERON CORP is the larger business by last-quarter revenue ($47.2M vs $25.8M, roughly 1.8× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -39.0%, a 78.4% gap on every dollar of revenue. On growth, GERON CORP posted the faster year-over-year revenue change (67.1% vs 17.5%). Over the past eight quarters, GERON CORP's revenue compounded faster (1597.0% CAGR vs 18.1%).

Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.

Geron Corporation is a biotechnology company located in Foster City, California which specializes in developing and commercializing therapeutic products for cancer that inhibit telomerase.

FNLC vs GERN — Head-to-Head

Bigger by revenue
GERN
GERN
1.8× larger
GERN
$47.2M
$25.8M
FNLC
Growing faster (revenue YoY)
GERN
GERN
+49.5% gap
GERN
67.1%
17.5%
FNLC
Higher net margin
FNLC
FNLC
78.4% more per $
FNLC
39.4%
-39.0%
GERN
Faster 2-yr revenue CAGR
GERN
GERN
Annualised
GERN
1597.0%
18.1%
FNLC

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
FNLC
FNLC
GERN
GERN
Revenue
$25.8M
$47.2M
Net Profit
$10.2M
$-18.4M
Gross Margin
Operating Margin
48.1%
-29.4%
Net Margin
39.4%
-39.0%
Revenue YoY
17.5%
67.1%
Net Profit YoY
39.7%
30.3%
EPS (diluted)
$0.91
$-0.03

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.

Revenue
FNLC
FNLC
GERN
GERN
Q4 25
$25.8M
Q3 25
$24.5M
$47.2M
Q2 25
$22.5M
$49.0M
Q1 25
$21.8M
$39.6M
Q4 24
$22.0M
Q3 24
$20.5M
$28.3M
Q2 24
$19.2M
$882.0K
Q1 24
$18.5M
$304.0K
Net Profit
FNLC
FNLC
GERN
GERN
Q4 25
$10.2M
Q3 25
$9.1M
$-18.4M
Q2 25
$8.1M
$-16.4M
Q1 25
$7.1M
$-19.8M
Q4 24
$7.3M
Q3 24
$7.6M
$-26.4M
Q2 24
$6.2M
$-67.4M
Q1 24
$6.0M
$-55.4M
Operating Margin
FNLC
FNLC
GERN
GERN
Q4 25
48.1%
Q3 25
45.2%
-29.4%
Q2 25
43.7%
-25.4%
Q1 25
39.3%
-42.2%
Q4 24
39.5%
Q3 24
44.6%
-99.8%
Q2 24
38.8%
-7860.9%
Q1 24
39.3%
-18465.1%
Net Margin
FNLC
FNLC
GERN
GERN
Q4 25
39.4%
Q3 25
37.0%
-39.0%
Q2 25
35.8%
-33.4%
Q1 25
32.5%
-50.1%
Q4 24
33.1%
Q3 24
36.9%
-93.5%
Q2 24
32.1%
-7639.8%
Q1 24
32.5%
-18220.4%
EPS (diluted)
FNLC
FNLC
GERN
GERN
Q4 25
$0.91
Q3 25
$0.81
$-0.03
Q2 25
$0.72
$-0.02
Q1 25
$0.63
$-0.03
Q4 24
$0.66
Q3 24
$0.68
$-0.04
Q2 24
$0.55
$-0.10
Q1 24
$0.54
$-0.09

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FNLC
FNLC
GERN
GERN
Cash + ST InvestmentsLiquidity on hand
$78.1M
Total DebtLower is stronger
$95.5M
Stockholders' EquityBook value
$283.1M
$248.7M
Total Assets
$3.2B
$567.4M
Debt / EquityLower = less leverage
0.34×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNLC
FNLC
GERN
GERN
Q4 25
Q3 25
$78.1M
Q2 25
$77.7M
Q1 25
$83.7M
Q4 24
Q3 24
$60.3M
Q2 24
$116.9M
Q1 24
$189.8M
Total Debt
FNLC
FNLC
GERN
GERN
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
Stockholders' Equity
FNLC
FNLC
GERN
GERN
Q4 25
$283.1M
Q3 25
$274.6M
$248.7M
Q2 25
$265.5M
$259.5M
Q1 25
$259.7M
$268.2M
Q4 24
$252.5M
Q3 24
$256.8M
$292.3M
Q2 24
$244.7M
$306.7M
Q1 24
$242.6M
$344.9M
Total Assets
FNLC
FNLC
GERN
GERN
Q4 25
$3.2B
Q3 25
$3.2B
$567.4M
Q2 25
$3.2B
$555.2M
Q1 25
$3.2B
$562.5M
Q4 24
$3.2B
Q3 24
$3.1B
$444.9M
Q2 24
$3.1B
$449.4M
Q1 24
$3.0B
$482.1M
Debt / Equity
FNLC
FNLC
GERN
GERN
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
FNLC
FNLC
GERN
GERN
Operating Cash FlowLast quarter
$37.8M
$-13.6M
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.

Operating Cash Flow
FNLC
FNLC
GERN
GERN
Q4 25
$37.8M
Q3 25
$12.9M
$-13.6M
Q2 25
$7.4M
$-27.4M
Q1 25
$2.2M
$-48.0M
Q4 24
$26.0M
Q3 24
$9.8M
$-58.9M
Q2 24
$6.4M
$-53.5M
Q1 24
$-1.5M
$-62.3M
Free Cash Flow
FNLC
FNLC
GERN
GERN
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
$-53.7M
Q1 24
$-1.8M
$-62.9M
FCF Margin
FNLC
FNLC
GERN
GERN
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%
-6086.6%
Q1 24
-9.8%
-20680.3%
Capex Intensity
FNLC
FNLC
GERN
GERN
Q4 25
12.5%
Q3 25
1.2%
Q2 25
0.6%
Q1 25
6.2%
Q4 24
6.7%
Q3 24
0.5%
0.0%
Q2 24
0.3%
23.4%
Q1 24
1.8%
202.3%
Cash Conversion
FNLC
FNLC
GERN
GERN
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.

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