vs
Side-by-side financial comparison of First Bancorp, Inc (FNLC) and HEALTHY CHOICE WELLNESS CORP. (HCWC). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $18.7M, roughly 1.4× HEALTHY CHOICE WELLNESS CORP.). First Bancorp, Inc runs the higher net margin — 39.4% vs -8.9%, a 48.2% gap on every dollar of revenue. First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-927.1K).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
FNLC vs HCWC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $18.7M |
| Net Profit | $10.2M | $-1.7M |
| Gross Margin | — | 39.1% |
| Operating Margin | 48.1% | -7.6% |
| Net Margin | 39.4% | -8.9% |
| Revenue YoY | 17.5% | — |
| Net Profit YoY | 39.7% | — |
| EPS (diluted) | $0.91 | $-0.05 |
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 | $25.8M | $18.7M | ||
| Q3 25 | $24.5M | $19.0M | ||
| Q2 25 | $22.5M | $20.2M | ||
| Q1 25 | $21.8M | $20.3M | ||
| Q4 24 | $22.0M | — | ||
| Q3 24 | $20.5M | $18.2M | ||
| Q2 24 | $19.2M | — | ||
| Q1 24 | $18.5M | — |
| Q4 25 | $10.2M | $-1.7M | ||
| Q3 25 | $9.1M | $-1.2M | ||
| Q2 25 | $8.1M | $-339.4K | ||
| Q1 25 | $7.1M | $-712.4K | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.6M | $-2.7M | ||
| Q2 24 | $6.2M | — | ||
| Q1 24 | $6.0M | — |
| Q4 25 | — | 39.1% | ||
| Q3 25 | — | 38.8% | ||
| Q2 25 | — | 40.1% | ||
| Q1 25 | — | 38.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 38.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 48.1% | -7.6% | ||
| Q3 25 | 45.2% | -3.2% | ||
| Q2 25 | 43.7% | -0.2% | ||
| Q1 25 | 39.3% | -2.0% | ||
| Q4 24 | 39.5% | — | ||
| Q3 24 | 44.6% | -2.0% | ||
| Q2 24 | 38.8% | — | ||
| Q1 24 | 39.3% | — |
| Q4 25 | 39.4% | -8.9% | ||
| Q3 25 | 37.0% | -6.4% | ||
| Q2 25 | 35.8% | -1.7% | ||
| Q1 25 | 32.5% | -3.5% | ||
| Q4 24 | 33.1% | — | ||
| Q3 24 | 36.9% | -14.6% | ||
| Q2 24 | 32.1% | — | ||
| Q1 24 | 32.5% | — |
| Q4 25 | $0.91 | $-0.05 | ||
| Q3 25 | $0.81 | $-0.09 | ||
| Q2 25 | $0.72 | $-0.03 | ||
| Q1 25 | $0.63 | $-0.07 | ||
| Q4 24 | $0.66 | — | ||
| Q3 24 | $0.68 | $-0.29 | ||
| Q2 24 | $0.55 | — | ||
| Q1 24 | $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 | — | $3.0M |
| Total DebtLower is stronger | $95.5M | $7.3M |
| Stockholders' EquityBook value | $283.1M | $7.3M |
| Total Assets | $3.2B | $33.5M |
| Debt / EquityLower = less leverage | 0.34× | 1.00× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $3.0M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $4.7M | ||
| Q1 25 | — | $1.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $95.5M | $7.3M | ||
| Q3 25 | $95.5M | $8.5M | ||
| Q2 25 | $95.0M | $9.7M | ||
| Q1 25 | $70.0M | $10.6M | ||
| Q4 24 | $95.0M | — | ||
| Q3 24 | $95.0M | $11.6M | ||
| Q2 24 | $70.0M | — | ||
| Q1 24 | $70.0M | — |
| Q4 25 | $283.1M | $7.3M | ||
| Q3 25 | $274.6M | $5.9M | ||
| Q2 25 | $265.5M | $5.8M | ||
| Q1 25 | $259.7M | $2.1M | ||
| Q4 24 | $252.5M | — | ||
| Q3 24 | $256.8M | $2.9M | ||
| Q2 24 | $244.7M | — | ||
| Q1 24 | $242.6M | — |
| Q4 25 | $3.2B | $33.5M | ||
| Q3 25 | $3.2B | $33.7M | ||
| Q2 25 | $3.2B | $36.4M | ||
| Q1 25 | $3.2B | $34.1M | ||
| Q4 24 | $3.2B | — | ||
| Q3 24 | $3.1B | $33.2M | ||
| Q2 24 | $3.1B | — | ||
| Q1 24 | $3.0B | — |
| Q4 25 | 0.34× | 1.00× | ||
| Q3 25 | 0.35× | 1.43× | ||
| Q2 25 | 0.36× | 1.69× | ||
| Q1 25 | 0.27× | 5.01× | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.37× | 3.95× | ||
| 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 | $37.8M | $-855.1K |
| Free Cash FlowOCF − Capex | $34.6M | $-927.1K |
| FCF MarginFCF / Revenue | 133.9% | -5.0% |
| Capex IntensityCapex / Revenue | 12.5% | 0.4% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $675.4K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $-855.1K | ||
| Q3 25 | $12.9M | $-308.7K | ||
| Q2 25 | $7.4M | $1.1M | ||
| Q1 25 | $2.2M | $1.1M | ||
| Q4 24 | $26.0M | — | ||
| Q3 24 | $9.8M | — | ||
| Q2 24 | $6.4M | — | ||
| Q1 24 | $-1.5M | — |
| Q4 25 | $34.6M | $-927.1K | ||
| Q3 25 | $12.6M | $-351.3K | ||
| Q2 25 | $7.2M | $988.6K | ||
| Q1 25 | $828.0K | $965.3K | ||
| Q4 24 | $24.6M | — | ||
| Q3 24 | $9.6M | — | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $-1.8M | — |
| Q4 25 | 133.9% | -5.0% | ||
| Q3 25 | 51.4% | -1.8% | ||
| Q2 25 | 32.1% | 4.9% | ||
| Q1 25 | 3.8% | 4.8% | ||
| Q4 24 | 111.7% | — | ||
| Q3 24 | 47.0% | — | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | -9.8% | — |
| Q4 25 | 12.5% | 0.4% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 0.6% | 0.4% | ||
| Q1 25 | 6.2% | 0.6% | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 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.
Revenue Breakdown by Segment
FNLC
Segment breakdown not available.
HCWC
| Retail Grocery | $17.1M | 91% |
| Food Service Restaurant | $1.7M | 9% |
