vs
Side-by-side financial comparison of First Bancorp, Inc (FNLC) and Legacy Education Inc. (LGCY). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $19.2M, roughly 1.3× Legacy Education Inc.). First Bancorp, Inc runs the higher net margin — 39.4% vs 10.6%, a 28.7% gap on every dollar of revenue. On growth, Legacy Education Inc. posted the faster year-over-year revenue change (40.7% vs 17.5%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $512.7K).
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 Education Inc. is a professional educational service provider focused on financial literacy, real estate investment, entrepreneurship, and personal wealth management training programs. It mainly serves individual learners across North America, Europe and select Asia-Pacific markets, offering both in-person workshops and online digital courses to help users build practical financial and business skills.
FNLC vs LGCY — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $19.2M |
| Net Profit | $10.2M | $2.0M |
| Gross Margin | — | — |
| Operating Margin | 48.1% | 13.3% |
| Net Margin | 39.4% | 10.6% |
| Revenue YoY | 17.5% | 40.7% |
| Net Profit YoY | 39.7% | 46.0% |
| EPS (diluted) | $0.91 | $0.15 |
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 | $19.2M | ||
| Q3 25 | $24.5M | $19.4M | ||
| Q2 25 | $22.5M | $18.0M | ||
| Q1 25 | $21.8M | $18.6M | ||
| Q4 24 | $22.0M | $13.6M | ||
| Q3 24 | $20.5M | $14.0M | ||
| Q2 24 | $19.2M | — | ||
| Q1 24 | $18.5M | — |
| Q4 25 | $10.2M | $2.0M | ||
| Q3 25 | $9.1M | $2.2M | ||
| Q2 25 | $8.1M | $1.2M | ||
| Q1 25 | $7.1M | $2.8M | ||
| Q4 24 | $7.3M | $1.4M | ||
| Q3 24 | $7.6M | $2.1M | ||
| Q2 24 | $6.2M | — | ||
| Q1 24 | $6.0M | — |
| Q4 25 | 48.1% | 13.3% | ||
| Q3 25 | 45.2% | 13.9% | ||
| Q2 25 | 43.7% | 11.1% | ||
| Q1 25 | 39.3% | 19.7% | ||
| Q4 24 | 39.5% | 12.2% | ||
| Q3 24 | 44.6% | 19.1% | ||
| Q2 24 | 38.8% | — | ||
| Q1 24 | 39.3% | — |
| Q4 25 | 39.4% | 10.6% | ||
| Q3 25 | 37.0% | 11.3% | ||
| Q2 25 | 35.8% | 6.8% | ||
| Q1 25 | 32.5% | 15.2% | ||
| Q4 24 | 33.1% | 10.3% | ||
| Q3 24 | 36.9% | 14.9% | ||
| Q2 24 | 32.1% | — | ||
| Q1 24 | 32.5% | — |
| Q4 25 | $0.91 | $0.15 | ||
| Q3 25 | $0.81 | $0.16 | ||
| Q2 25 | $0.72 | $0.07 | ||
| Q1 25 | $0.63 | $0.21 | ||
| Q4 24 | $0.66 | $0.10 | ||
| Q3 24 | $0.68 | $0.21 | ||
| 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 | — | $21.1M |
| Total DebtLower is stronger | $95.5M | $660.3K |
| Stockholders' EquityBook value | $283.1M | $46.1M |
| Total Assets | $3.2B | $73.1M |
| Debt / EquityLower = less leverage | 0.34× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.1M | ||
| Q3 25 | — | $20.6M | ||
| Q2 25 | — | $20.3M | ||
| Q1 25 | — | $17.3M | ||
| Q4 24 | — | $16.9M | ||
| Q3 24 | — | $21.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $95.5M | $660.3K | ||
| Q3 25 | $95.5M | $776.9K | ||
| Q2 25 | $95.0M | $1.4M | ||
| Q1 25 | $70.0M | $1.0M | ||
| Q4 24 | $95.0M | $1.1M | ||
| Q3 24 | $95.0M | $758.2K | ||
| Q2 24 | $70.0M | — | ||
| Q1 24 | $70.0M | — |
| Q4 25 | $283.1M | $46.1M | ||
| Q3 25 | $274.6M | $43.7M | ||
| Q2 25 | $265.5M | $41.0M | ||
| Q1 25 | $259.7M | $39.3M | ||
| Q4 24 | $252.5M | $36.4M | ||
| Q3 24 | $256.8M | $32.6M | ||
| Q2 24 | $244.7M | — | ||
| Q1 24 | $242.6M | — |
| Q4 25 | $3.2B | $73.1M | ||
| Q3 25 | $3.2B | $72.1M | ||
| Q2 25 | $3.2B | $69.2M | ||
| Q1 25 | $3.2B | $67.1M | ||
| Q4 24 | $3.2B | $62.1M | ||
| Q3 24 | $3.1B | $50.6M | ||
| Q2 24 | $3.1B | — | ||
| Q1 24 | $3.0B | — |
| Q4 25 | 0.34× | 0.01× | ||
| Q3 25 | 0.35× | 0.02× | ||
| Q2 25 | 0.36× | 0.03× | ||
| Q1 25 | 0.27× | 0.03× | ||
| Q4 24 | 0.38× | 0.03× | ||
| Q3 24 | 0.37× | 0.02× | ||
| 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 | $1.1M |
| Free Cash FlowOCF − Capex | $34.6M | $512.7K |
| FCF MarginFCF / Revenue | 133.9% | 2.7% |
| Capex IntensityCapex / Revenue | 12.5% | 2.8% |
| Cash ConversionOCF / Net Profit | 3.72× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $4.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $1.1M | ||
| Q3 25 | $12.9M | $1.1M | ||
| Q2 25 | $7.4M | $3.0M | ||
| Q1 25 | $2.2M | $918.7K | ||
| Q4 24 | $26.0M | $659.0K | ||
| Q3 24 | $9.8M | $3.2M | ||
| Q2 24 | $6.4M | — | ||
| Q1 24 | $-1.5M | — |
| Q4 25 | $34.6M | $512.7K | ||
| Q3 25 | $12.6M | $809.7K | ||
| Q2 25 | $7.2M | $2.9M | ||
| Q1 25 | $828.0K | $596.6K | ||
| Q4 24 | $24.6M | $466.8K | ||
| Q3 24 | $9.6M | $2.9M | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $-1.8M | — |
| Q4 25 | 133.9% | 2.7% | ||
| Q3 25 | 51.4% | 4.2% | ||
| Q2 25 | 32.1% | 16.2% | ||
| Q1 25 | 3.8% | 3.2% | ||
| Q4 24 | 111.7% | 3.4% | ||
| Q3 24 | 47.0% | 21.1% | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | -9.8% | — |
| Q4 25 | 12.5% | 2.8% | ||
| Q3 25 | 1.2% | 1.3% | ||
| Q2 25 | 0.6% | 0.5% | ||
| Q1 25 | 6.2% | 1.7% | ||
| Q4 24 | 6.7% | 1.4% | ||
| Q3 24 | 0.5% | 1.7% | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.8% | — |
| Q4 25 | 3.72× | 0.52× | ||
| Q3 25 | 1.42× | 0.48× | ||
| Q2 25 | 0.91× | 2.45× | ||
| Q1 25 | 0.31× | 0.33× | ||
| Q4 24 | 3.58× | 0.47× | ||
| Q3 24 | 1.29× | 1.52× | ||
| Q2 24 | 1.03× | — | ||
| Q1 24 | -0.25× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
