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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and LANDMARK BANCORP INC (LARK). 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× LANDMARK BANCORP INC). First Bancorp, Inc runs the higher net margin — 39.4% vs 32.1%, a 7.3% gap on every dollar of revenue. On growth, LANDMARK BANCORP INC posted the faster year-over-year revenue change (18.5% vs 17.5%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $21.0M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs 14.9%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Landmark Bancorp Inc is a U.S.-based bank holding company operating Landmark National Bank, primarily serving communities across Kansas. It provides a full range of personal and commercial banking services including deposit accounts, residential mortgages, commercial loans, and wealth management solutions, catering to individual consumers, small businesses and local mid-sized enterprises.
FNLC vs LARK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $18.7M |
| Net Profit | $10.2M | $4.7M |
| Gross Margin | — | — |
| Operating Margin | 48.1% | 31.7% |
| Net Margin | 39.4% | 32.1% |
| Revenue YoY | 17.5% | 18.5% |
| Net Profit YoY | 39.7% | 44.4% |
| EPS (diluted) | $0.91 | $0.66 |
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 | $18.2M | ||
| Q2 25 | $22.5M | $17.3M | ||
| Q1 25 | $21.8M | $16.5M | ||
| Q4 24 | $22.0M | $15.8M | ||
| Q3 24 | $20.5M | $15.9M | ||
| Q2 24 | $19.2M | $14.7M | ||
| Q1 24 | $18.5M | $14.1M |
| Q4 25 | $10.2M | $4.7M | ||
| Q3 25 | $9.1M | $4.9M | ||
| Q2 25 | $8.1M | $4.4M | ||
| Q1 25 | $7.1M | $4.7M | ||
| Q4 24 | $7.3M | $3.3M | ||
| Q3 24 | $7.6M | $3.9M | ||
| Q2 24 | $6.2M | $3.0M | ||
| Q1 24 | $6.0M | $2.8M |
| Q4 25 | 48.1% | 31.7% | ||
| Q3 25 | 45.2% | 33.4% | ||
| Q2 25 | 43.7% | 30.9% | ||
| Q1 25 | 39.3% | 34.7% | ||
| Q4 24 | 39.5% | 15.2% | ||
| Q3 24 | 44.6% | 30.3% | ||
| Q2 24 | 38.8% | 24.5% | ||
| Q1 24 | 39.3% | 23.3% |
| Q4 25 | 39.4% | 32.1% | ||
| Q3 25 | 37.0% | 27.1% | ||
| Q2 25 | 35.8% | 25.4% | ||
| Q1 25 | 32.5% | 28.5% | ||
| Q4 24 | 33.1% | 26.5% | ||
| Q3 24 | 36.9% | 24.8% | ||
| Q2 24 | 32.1% | 20.5% | ||
| Q1 24 | 32.5% | 19.6% |
| Q4 25 | $0.91 | $0.66 | ||
| Q3 25 | $0.81 | $0.85 | ||
| Q2 25 | $0.72 | $0.75 | ||
| Q1 25 | $0.63 | $0.81 | ||
| Q4 24 | $0.66 | $0.47 | ||
| Q3 24 | $0.68 | $0.68 | ||
| Q2 24 | $0.55 | $0.52 | ||
| Q1 24 | $0.54 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $160.6M |
| Total Assets | $3.2B | $1.6B |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 | $160.6M | ||
| Q3 25 | $274.6M | $155.7M | ||
| Q2 25 | $265.5M | $148.4M | ||
| Q1 25 | $259.7M | $142.7M | ||
| Q4 24 | $252.5M | $136.2M | ||
| Q3 24 | $256.8M | $139.7M | ||
| Q2 24 | $244.7M | $128.3M | ||
| Q1 24 | $242.6M | $126.7M |
| Q4 25 | $3.2B | $1.6B | ||
| Q3 25 | $3.2B | $1.6B | ||
| Q2 25 | $3.2B | $1.6B | ||
| Q1 25 | $3.2B | $1.6B | ||
| Q4 24 | $3.2B | $1.6B | ||
| Q3 24 | $3.1B | $1.6B | ||
| Q2 24 | $3.1B | $1.6B | ||
| Q1 24 | $3.0B | $1.6B |
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | $34.6M | $21.0M |
| FCF MarginFCF / Revenue | 133.9% | 112.5% |
| Capex IntensityCapex / Revenue | 12.5% | 3.2% |
| Cash ConversionOCF / Net Profit | 3.72× | 4.56× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $39.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $21.6M | ||
| Q3 25 | $12.9M | $10.3M | ||
| Q2 25 | $7.4M | $439.0K | ||
| Q1 25 | $2.2M | $8.0M | ||
| Q4 24 | $26.0M | $14.2M | ||
| Q3 24 | $9.8M | $8.1M | ||
| Q2 24 | $6.4M | $4.4M | ||
| Q1 24 | $-1.5M | $2.9M |
| Q4 25 | $34.6M | $21.0M | ||
| Q3 25 | $12.6M | $10.1M | ||
| Q2 25 | $7.2M | $354.0K | ||
| Q1 25 | $828.0K | $8.0M | ||
| Q4 24 | $24.6M | $11.9M | ||
| Q3 24 | $9.6M | $7.8M | ||
| Q2 24 | $6.3M | $3.8M | ||
| Q1 24 | $-1.8M | $1.5M |
| Q4 25 | 133.9% | 112.5% | ||
| Q3 25 | 51.4% | 55.4% | ||
| Q2 25 | 32.1% | 2.0% | ||
| Q1 25 | 3.8% | 48.4% | ||
| Q4 24 | 111.7% | 75.6% | ||
| Q3 24 | 47.0% | 49.3% | ||
| Q2 24 | 32.9% | 25.6% | ||
| Q1 24 | -9.8% | 10.9% |
| Q4 25 | 12.5% | 3.2% | ||
| Q3 25 | 1.2% | 1.4% | ||
| Q2 25 | 0.6% | 0.5% | ||
| Q1 25 | 6.2% | 0.3% | ||
| Q4 24 | 6.7% | 14.7% | ||
| Q3 24 | 0.5% | 1.8% | ||
| Q2 24 | 0.3% | 4.2% | ||
| Q1 24 | 1.8% | 9.2% |
| Q4 25 | 3.72× | 4.56× | ||
| Q3 25 | 1.42× | 2.09× | ||
| Q2 25 | 0.91× | 0.10× | ||
| Q1 25 | 0.31× | 1.71× | ||
| Q4 24 | 3.58× | 4.34× | ||
| Q3 24 | 1.29× | 2.06× | ||
| Q2 24 | 1.03× | 1.45× | ||
| Q1 24 | -0.25× | 1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
