vs
Side-by-side financial comparison of First Bancorp, Inc (FNLC) and HAWTHORN BANCSHARES, INC. (HWBK). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $21.2M, roughly 1.2× HAWTHORN BANCSHARES, INC.). On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs 12.2%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $22.8M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs 9.1%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Hawthorn Bancshares, Inc. is a U.S. regional bank holding company operating through its wholly owned subsidiary Hawthorn Bank. It provides a full range of retail and commercial banking services including deposit products, mortgage loans, small business financing, commercial lending, and wealth management solutions, primarily serving individual customers and small to mid-sized enterprises across local communities in Missouri.
FNLC vs HWBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $21.2M |
| Net Profit | $10.2M | — |
| Gross Margin | — | — |
| Operating Margin | 48.1% | 35.7% |
| Net Margin | 39.4% | — |
| Revenue YoY | 17.5% | 12.2% |
| Net Profit YoY | 39.7% | — |
| EPS (diluted) | $0.91 | $0.90 |
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 | $21.2M | ||
| Q3 25 | $24.5M | $20.6M | ||
| Q2 25 | $22.5M | $19.7M | ||
| Q1 25 | $21.8M | $18.8M | ||
| Q4 24 | $22.0M | $18.9M | ||
| Q3 24 | $20.5M | $18.1M | ||
| Q2 24 | $19.2M | $18.2M | ||
| Q1 24 | $18.5M | $17.8M |
| Q4 25 | $10.2M | — | ||
| Q3 25 | $9.1M | $6.1M | ||
| Q2 25 | $8.1M | $6.1M | ||
| Q1 25 | $7.1M | $5.4M | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.6M | $4.6M | ||
| Q2 24 | $6.2M | $4.6M | ||
| Q1 24 | $6.0M | $4.5M |
| Q4 25 | 48.1% | 35.7% | ||
| Q3 25 | 45.2% | 36.4% | ||
| Q2 25 | 43.7% | 37.9% | ||
| Q1 25 | 39.3% | 35.2% | ||
| Q4 24 | 39.5% | 29.9% | ||
| Q3 24 | 44.6% | 31.1% | ||
| Q2 24 | 38.8% | 31.2% | ||
| Q1 24 | 39.3% | 30.5% |
| Q4 25 | 39.4% | — | ||
| Q3 25 | 37.0% | 29.8% | ||
| Q2 25 | 35.8% | 31.0% | ||
| Q1 25 | 32.5% | 28.7% | ||
| Q4 24 | 33.1% | — | ||
| Q3 24 | 36.9% | 25.3% | ||
| Q2 24 | 32.1% | 25.5% | ||
| Q1 24 | 32.5% | 25.1% |
| Q4 25 | $0.91 | $0.90 | ||
| Q3 25 | $0.81 | $0.88 | ||
| Q2 25 | $0.72 | $0.88 | ||
| Q1 25 | $0.63 | $0.77 | ||
| Q4 24 | $0.66 | $0.66 | ||
| Q3 24 | $0.68 | $0.66 | ||
| Q2 24 | $0.55 | $0.66 | ||
| Q1 24 | $0.54 | $0.63 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.3M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $174.2M |
| Total Assets | $3.2B | $1.9B |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.3M | ||
| Q3 25 | — | $99.9M | ||
| Q2 25 | — | $100.3M | ||
| Q1 25 | — | $102.3M | ||
| Q4 24 | — | $51.0M | ||
| Q3 24 | — | $54.2M | ||
| Q2 24 | — | $75.8M | ||
| Q1 24 | — | $43.5M |
| 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 | — |
| Q4 25 | $283.1M | $174.2M | ||
| Q3 25 | $274.6M | $164.9M | ||
| Q2 25 | $265.5M | $156.8M | ||
| Q1 25 | $259.7M | $153.4M | ||
| Q4 24 | $252.5M | $149.5M | ||
| Q3 24 | $256.8M | $146.5M | ||
| Q2 24 | $244.7M | $138.2M | ||
| Q1 24 | $242.6M | $136.6M |
| Q4 25 | $3.2B | $1.9B | ||
| Q3 25 | $3.2B | $1.9B | ||
| Q2 25 | $3.2B | $1.9B | ||
| Q1 25 | $3.2B | $1.9B | ||
| Q4 24 | $3.2B | $1.8B | ||
| Q3 24 | $3.1B | $1.8B | ||
| Q2 24 | $3.1B | $1.8B | ||
| Q1 24 | $3.0B | $1.8B |
| 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 | | |
|---|---|---|
| Operating Cash FlowLast quarter | $37.8M | $26.9M |
| Free Cash FlowOCF − Capex | $34.6M | $22.8M |
| FCF MarginFCF / Revenue | 133.9% | 107.9% |
| Capex IntensityCapex / Revenue | 12.5% | 19.3% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $32.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $26.9M | ||
| Q3 25 | $12.9M | $288.0K | ||
| Q2 25 | $7.4M | $5.8M | ||
| Q1 25 | $2.2M | $5.7M | ||
| Q4 24 | $26.0M | $25.6M | ||
| Q3 24 | $9.8M | $9.1M | ||
| Q2 24 | $6.4M | $8.9M | ||
| Q1 24 | $-1.5M | $5.6M |
| Q4 25 | $34.6M | $22.8M | ||
| Q3 25 | $12.6M | $-734.0K | ||
| Q2 25 | $7.2M | $5.1M | ||
| Q1 25 | $828.0K | $5.5M | ||
| Q4 24 | $24.6M | $22.6M | ||
| Q3 24 | $9.6M | $8.1M | ||
| Q2 24 | $6.3M | $8.4M | ||
| Q1 24 | $-1.8M | $5.1M |
| Q4 25 | 133.9% | 107.9% | ||
| Q3 25 | 51.4% | -3.6% | ||
| Q2 25 | 32.1% | 25.9% | ||
| Q1 25 | 3.8% | 29.1% | ||
| Q4 24 | 111.7% | 119.7% | ||
| Q3 24 | 47.0% | 44.9% | ||
| Q2 24 | 32.9% | 46.2% | ||
| Q1 24 | -9.8% | 28.5% |
| Q4 25 | 12.5% | 19.3% | ||
| Q3 25 | 1.2% | 5.0% | ||
| Q2 25 | 0.6% | 3.3% | ||
| Q1 25 | 6.2% | 1.5% | ||
| Q4 24 | 6.7% | 15.9% | ||
| Q3 24 | 0.5% | 5.5% | ||
| Q2 24 | 0.3% | 3.0% | ||
| Q1 24 | 1.8% | 3.1% |
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | 0.05× | ||
| Q2 25 | 0.91× | 0.94× | ||
| Q1 25 | 0.31× | 1.07× | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | 1.99× | ||
| Q2 24 | 1.03× | 1.93× | ||
| Q1 24 | -0.25× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
