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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and Legacy Housing Corp (LEGH). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $25.5M, roughly 1.0× Legacy Housing Corp). First Bancorp, Inc runs the higher net margin — 39.4% vs 32.2%, a 7.2% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -30.6%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $15.7M). 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.
Legacy Housing Corp is a prominent U.S.-based manufacturer of affordable manufactured homes, tiny homes, and accessory dwelling units. It mainly caters to low- and middle-income consumers across North America, providing customizable residential solutions, supporting construction materials, and after-sales services for individual and community development clients.
FNLC vs LEGH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $25.5M |
| Net Profit | $10.2M | $8.2M |
| Gross Margin | — | 26.4% |
| Operating Margin | 48.1% | 40.4% |
| Net Margin | 39.4% | 32.2% |
| Revenue YoY | 17.5% | -30.6% |
| Net Profit YoY | 39.7% | -43.5% |
| EPS (diluted) | $0.91 | $0.38 |
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 | $25.5M | ||
| Q3 25 | $24.5M | $28.8M | ||
| Q2 25 | $22.5M | $38.4M | ||
| Q1 25 | $21.8M | $24.3M | ||
| Q4 24 | $22.0M | $36.7M | ||
| Q3 24 | $20.5M | $30.2M | ||
| Q2 24 | $19.2M | $31.7M | ||
| Q1 24 | $18.5M | $30.8M |
| Q4 25 | $10.2M | $8.2M | ||
| Q3 25 | $9.1M | $8.6M | ||
| Q2 25 | $8.1M | $14.7M | ||
| Q1 25 | $7.1M | $10.3M | ||
| Q4 24 | $7.3M | $14.5M | ||
| Q3 24 | $7.6M | $15.8M | ||
| Q2 24 | $6.2M | $16.2M | ||
| Q1 24 | $6.0M | $15.1M |
| Q4 25 | — | 26.4% | ||
| Q3 25 | — | 20.2% | ||
| Q2 25 | — | 32.4% | ||
| Q1 25 | — | 29.2% | ||
| Q4 24 | — | 27.3% | ||
| Q3 24 | — | 29.2% | ||
| Q2 24 | — | 31.9% | ||
| Q1 24 | — | 33.6% |
| Q4 25 | 48.1% | 40.4% | ||
| Q3 25 | 45.2% | 33.7% | ||
| Q2 25 | 43.7% | 43.8% | ||
| Q1 25 | 39.3% | 47.7% | ||
| Q4 24 | 39.5% | 42.3% | ||
| Q3 24 | 44.6% | 50.8% | ||
| Q2 24 | 38.8% | 50.6% | ||
| Q1 24 | 39.3% | 54.3% |
| Q4 25 | 39.4% | 32.2% | ||
| Q3 25 | 37.0% | 30.0% | ||
| Q2 25 | 35.8% | 38.3% | ||
| Q1 25 | 32.5% | 42.3% | ||
| Q4 24 | 33.1% | 39.5% | ||
| Q3 24 | 36.9% | 52.4% | ||
| Q2 24 | 32.1% | 51.1% | ||
| Q1 24 | 32.5% | 49.1% |
| Q4 25 | $0.91 | $0.38 | ||
| Q3 25 | $0.81 | $0.35 | ||
| Q2 25 | $0.72 | $0.60 | ||
| Q1 25 | $0.63 | $0.41 | ||
| Q4 24 | $0.66 | $0.59 | ||
| Q3 24 | $0.68 | $0.64 | ||
| Q2 24 | $0.55 | $0.65 | ||
| Q1 24 | $0.54 | $0.60 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.5M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $528.6M |
| Total Assets | $3.2B | $580.3M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $8.5M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $2.6M | ||
| Q1 25 | — | $3.4M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $570.0K | ||
| Q2 24 | — | $60.0K | ||
| Q1 24 | — | $621.0K |
| 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 | $528.6M | ||
| Q3 25 | $274.6M | $521.6M | ||
| Q2 25 | $265.5M | $512.8M | ||
| Q1 25 | $259.7M | $503.7M | ||
| Q4 24 | $252.5M | $494.0M | ||
| Q3 24 | $256.8M | $479.3M | ||
| Q2 24 | $244.7M | $463.2M | ||
| Q1 24 | $242.6M | $450.4M |
| Q4 25 | $3.2B | $580.3M | ||
| Q3 25 | $3.2B | $557.9M | ||
| Q2 25 | $3.2B | $552.0M | ||
| Q1 25 | $3.2B | $544.6M | ||
| Q4 24 | $3.2B | $534.2M | ||
| Q3 24 | $3.1B | $521.4M | ||
| Q2 24 | $3.1B | $514.9M | ||
| Q1 24 | $3.0B | $510.0M |
| 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 | $19.0M |
| Free Cash FlowOCF − Capex | $34.6M | $15.7M |
| FCF MarginFCF / Revenue | 133.9% | 61.6% |
| Capex IntensityCapex / Revenue | 12.5% | 13.1% |
| Cash ConversionOCF / Net Profit | 3.72× | 2.32× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $28.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $19.0M | ||
| Q3 25 | $12.9M | $7.2M | ||
| Q2 25 | $7.4M | $6.1M | ||
| Q1 25 | $2.2M | $4.9M | ||
| Q4 24 | $26.0M | $7.9M | ||
| Q3 24 | $9.8M | $13.8M | ||
| Q2 24 | $6.4M | $3.5M | ||
| Q1 24 | $-1.5M | $10.8M |
| Q4 25 | $34.6M | $15.7M | ||
| Q3 25 | $12.6M | $5.1M | ||
| Q2 25 | $7.2M | $3.7M | ||
| Q1 25 | $828.0K | $3.6M | ||
| Q4 24 | $24.6M | $6.0M | ||
| Q3 24 | $9.6M | $9.1M | ||
| Q2 24 | $6.3M | $1.7M | ||
| Q1 24 | $-1.8M | $9.9M |
| Q4 25 | 133.9% | 61.6% | ||
| Q3 25 | 51.4% | 17.8% | ||
| Q2 25 | 32.1% | 9.6% | ||
| Q1 25 | 3.8% | 15.0% | ||
| Q4 24 | 111.7% | 16.4% | ||
| Q3 24 | 47.0% | 30.2% | ||
| Q2 24 | 32.9% | 5.4% | ||
| Q1 24 | -9.8% | 32.2% |
| Q4 25 | 12.5% | 13.1% | ||
| Q3 25 | 1.2% | 7.1% | ||
| Q2 25 | 0.6% | 6.2% | ||
| Q1 25 | 6.2% | 5.2% | ||
| Q4 24 | 6.7% | 5.1% | ||
| Q3 24 | 0.5% | 15.6% | ||
| Q2 24 | 0.3% | 5.5% | ||
| Q1 24 | 1.8% | 2.8% |
| Q4 25 | 3.72× | 2.32× | ||
| Q3 25 | 1.42× | 0.83× | ||
| Q2 25 | 0.91× | 0.41× | ||
| Q1 25 | 0.31× | 0.48× | ||
| Q4 24 | 3.58× | 0.54× | ||
| Q3 24 | 1.29× | 0.88× | ||
| Q2 24 | 1.03× | 0.21× | ||
| Q1 24 | -0.25× | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FNLC
Segment breakdown not available.
LEGH
| Commercial Sales | $8.6M | 34% |
| Retail Store Sales | $6.0M | 24% |
| Inventory Finance Sales | $5.0M | 20% |
| Direct Sales | $4.4M | 17% |
| Other | $1.5M | 6% |
