vs

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

First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $14.3M, roughly 1.8× Inuvo, Inc.). First Bancorp, Inc runs the higher net margin — 39.4% vs -4.2%, a 43.5% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -45.6%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-339.9K). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -8.5%).

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

Inuvo, Inc. is a digital marketing technology firm that develops AI-powered advertising solutions. It offers intent-based audience targeting, performance marketing, and brand awareness services for retail, finance, and consumer goods clients, mainly operating across the North American market.

FNLC vs INUV — Head-to-Head

Bigger by revenue
FNLC
FNLC
1.8× larger
FNLC
$25.8M
$14.3M
INUV
Growing faster (revenue YoY)
FNLC
FNLC
+63.1% gap
FNLC
17.5%
-45.6%
INUV
Higher net margin
FNLC
FNLC
43.5% more per $
FNLC
39.4%
-4.2%
INUV
More free cash flow
FNLC
FNLC
$34.9M more FCF
FNLC
$34.6M
$-339.9K
INUV
Faster 2-yr revenue CAGR
FNLC
FNLC
Annualised
FNLC
18.1%
-8.5%
INUV

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
FNLC
FNLC
INUV
INUV
Revenue
$25.8M
$14.3M
Net Profit
$10.2M
$-593.9K
Gross Margin
66.4%
Operating Margin
48.1%
-8.5%
Net Margin
39.4%
-4.2%
Revenue YoY
17.5%
-45.6%
Net Profit YoY
39.7%
-520.2%
EPS (diluted)
$0.91

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
INUV
INUV
Q4 25
$25.8M
$14.3M
Q3 25
$24.5M
$22.6M
Q2 25
$22.5M
$22.7M
Q1 25
$21.8M
$26.7M
Q4 24
$22.0M
$26.2M
Q3 24
$20.5M
$22.4M
Q2 24
$19.2M
$18.2M
Q1 24
$18.5M
$17.0M
Net Profit
FNLC
FNLC
INUV
INUV
Q4 25
$10.2M
$-593.9K
Q3 25
$9.1M
$-1.7M
Q2 25
$8.1M
$-1.5M
Q1 25
$7.1M
$-1.3M
Q4 24
$7.3M
$141.3K
Q3 24
$7.6M
$-2.0M
Q2 24
$6.2M
$-1.7M
Q1 24
$6.0M
$-2.1M
Gross Margin
FNLC
FNLC
INUV
INUV
Q4 25
66.4%
Q3 25
73.4%
Q2 25
75.4%
Q1 25
79.0%
Q4 24
83.1%
Q3 24
88.4%
Q2 24
84.0%
Q1 24
87.7%
Operating Margin
FNLC
FNLC
INUV
INUV
Q4 25
48.1%
-8.5%
Q3 25
45.2%
-7.4%
Q2 25
43.7%
-9.0%
Q1 25
39.3%
-6.6%
Q4 24
39.5%
0.8%
Q3 24
44.6%
-8.7%
Q2 24
38.8%
-9.3%
Q1 24
39.3%
-12.3%
Net Margin
FNLC
FNLC
INUV
INUV
Q4 25
39.4%
-4.2%
Q3 25
37.0%
-7.7%
Q2 25
35.8%
-6.6%
Q1 25
32.5%
-4.7%
Q4 24
33.1%
0.5%
Q3 24
36.9%
-9.1%
Q2 24
32.1%
-9.6%
Q1 24
32.5%
-12.4%
EPS (diluted)
FNLC
FNLC
INUV
INUV
Q4 25
$0.91
Q3 25
$0.81
$-0.12
Q2 25
$0.72
Q1 25
$0.63
$-0.01
Q4 24
$0.66
$0.14
Q3 24
$0.68
$-0.15
Q2 24
$0.55
$-0.01
Q1 24
$0.54
$-0.02

Balance Sheet & Financial Strength

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

Metric
FNLC
FNLC
INUV
INUV
Cash + ST InvestmentsLiquidity on hand
Total DebtLower is stronger
$95.5M
Stockholders' EquityBook value
$283.1M
$10.0M
Total Assets
$3.2B
$24.9M
Debt / EquityLower = less leverage
0.34×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNLC
FNLC
INUV
INUV
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
Q2 24
$2.0M
Q1 24
$2.0M
Total Debt
FNLC
FNLC
INUV
INUV
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
INUV
INUV
Q4 25
$283.1M
$10.0M
Q3 25
$274.6M
$10.4M
Q2 25
$265.5M
$12.1M
Q1 25
$259.7M
$13.4M
Q4 24
$252.5M
$13.5M
Q3 24
$256.8M
$12.4M
Q2 24
$244.7M
$13.5M
Q1 24
$242.6M
$15.1M
Total Assets
FNLC
FNLC
INUV
INUV
Q4 25
$3.2B
$24.9M
Q3 25
$3.2B
$29.9M
Q2 25
$3.2B
$28.7M
Q1 25
$3.2B
$31.7M
Q4 24
$3.2B
$32.2M
Q3 24
$3.1B
$29.0M
Q2 24
$3.1B
$28.5M
Q1 24
$3.0B
$29.8M
Debt / Equity
FNLC
FNLC
INUV
INUV
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
INUV
INUV
Operating Cash FlowLast quarter
$37.8M
$21.0K
Free Cash FlowOCF − Capex
$34.6M
$-339.9K
FCF MarginFCF / Revenue
133.9%
-2.4%
Capex IntensityCapex / Revenue
12.5%
2.5%
Cash ConversionOCF / Net Profit
3.72×
TTM Free Cash FlowTrailing 4 quarters
$55.3M
$-3.4M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FNLC
FNLC
INUV
INUV
Q4 25
$37.8M
$21.0K
Q3 25
$12.9M
$-1.6M
Q2 25
$7.4M
$143.7K
Q1 25
$2.2M
$-366.9K
Q4 24
$26.0M
$329.9K
Q3 24
$9.8M
$1.1M
Q2 24
$6.4M
$195.4K
Q1 24
$-1.5M
$-1.4M
Free Cash Flow
FNLC
FNLC
INUV
INUV
Q4 25
$34.6M
$-339.9K
Q3 25
$12.6M
$-2.0M
Q2 25
$7.2M
$-263.1K
Q1 25
$828.0K
$-818.6K
Q4 24
$24.6M
$-117.7K
Q3 24
$9.6M
$584.0K
Q2 24
$6.3M
$-266.3K
Q1 24
$-1.8M
$-1.8M
FCF Margin
FNLC
FNLC
INUV
INUV
Q4 25
133.9%
-2.4%
Q3 25
51.4%
-8.7%
Q2 25
32.1%
-1.2%
Q1 25
3.8%
-3.1%
Q4 24
111.7%
-0.4%
Q3 24
47.0%
2.6%
Q2 24
32.9%
-1.5%
Q1 24
-9.8%
-10.7%
Capex Intensity
FNLC
FNLC
INUV
INUV
Q4 25
12.5%
2.5%
Q3 25
1.2%
1.7%
Q2 25
0.6%
1.8%
Q1 25
6.2%
1.7%
Q4 24
6.7%
1.7%
Q3 24
0.5%
2.1%
Q2 24
0.3%
2.5%
Q1 24
1.8%
2.8%
Cash Conversion
FNLC
FNLC
INUV
INUV
Q4 25
3.72×
Q3 25
1.42×
Q2 25
0.91×
Q1 25
0.31×
Q4 24
3.58×
2.33×
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.

Related Comparisons