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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and Massimo Group (MAMO). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $21.0M, roughly 1.2× Massimo Group). First Bancorp, Inc runs the higher net margin — 39.4% vs 9.5%, a 29.9% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs 15.7%). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -16.5%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Massimo Dutti, S.A. is a Spanish premium clothing retailer specializing in cashmere and wool products, established in 1985 and owned by Spanish multinational company Inditex, the parent company of Zara, Pull&Bear, and other brands.
FNLC vs MAMO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $21.0M |
| Net Profit | $10.2M | $2.0M |
| Gross Margin | — | 41.5% |
| Operating Margin | 48.1% | 13.1% |
| Net Margin | 39.4% | 9.5% |
| Revenue YoY | 17.5% | 15.7% |
| Net Profit YoY | 39.7% | 215.0% |
| EPS (diluted) | $0.91 | $0.05 |
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 | $21.0M | ||
| Q3 25 | $24.5M | $17.0M | ||
| Q2 25 | $22.5M | $18.9M | ||
| Q1 25 | $21.8M | $14.9M | ||
| Q4 24 | $22.0M | $18.2M | ||
| Q3 24 | $20.5M | $25.6M | ||
| Q2 24 | $19.2M | $35.4M | ||
| Q1 24 | $18.5M | $30.2M |
| Q4 25 | $10.2M | $2.0M | ||
| Q3 25 | $9.1M | $1.5M | ||
| Q2 25 | $8.1M | $77.7K | ||
| Q1 25 | $7.1M | $-2.1M | ||
| Q4 24 | $7.3M | $-1.7M | ||
| Q3 24 | $7.6M | $-2.5M | ||
| Q2 24 | $6.2M | $2.8M | ||
| Q1 24 | $6.0M | $3.2M |
| Q4 25 | — | 41.5% | ||
| Q3 25 | — | 42.0% | ||
| Q2 25 | — | 36.3% | ||
| Q1 25 | — | 28.4% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | — | 27.2% | ||
| Q2 24 | — | 32.5% | ||
| Q1 24 | — | 34.7% |
| Q4 25 | 48.1% | 13.1% | ||
| Q3 25 | 45.2% | 10.5% | ||
| Q2 25 | 43.7% | 0.8% | ||
| Q1 25 | 39.3% | -18.2% | ||
| Q4 24 | 39.5% | -15.4% | ||
| Q3 24 | 44.6% | 1.2% | ||
| Q2 24 | 38.8% | 10.1% | ||
| Q1 24 | 39.3% | 13.2% |
| Q4 25 | 39.4% | 9.5% | ||
| Q3 25 | 37.0% | 9.0% | ||
| Q2 25 | 35.8% | 0.4% | ||
| Q1 25 | 32.5% | -14.0% | ||
| Q4 24 | 33.1% | -9.5% | ||
| Q3 24 | 36.9% | -9.8% | ||
| Q2 24 | 32.1% | 8.0% | ||
| Q1 24 | 32.5% | 10.6% |
| Q4 25 | $0.91 | $0.05 | ||
| Q3 25 | $0.81 | $0.04 | ||
| Q2 25 | $0.72 | $0.00 | ||
| Q1 25 | $0.63 | $-0.05 | ||
| Q4 24 | $0.66 | $-0.05 | ||
| Q3 24 | $0.68 | $-0.06 | ||
| Q2 24 | $0.55 | $0.07 | ||
| Q1 24 | $0.54 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $5.8M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $23.7M |
| Total Assets | $3.2B | $51.4M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $5.8M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $3.0M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| 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 | $23.7M | ||
| Q3 25 | $274.6M | $21.7M | ||
| Q2 25 | $265.5M | $20.2M | ||
| Q1 25 | $259.7M | $19.9M | ||
| Q4 24 | $252.5M | $21.7M | ||
| Q3 24 | $256.8M | $22.5M | ||
| Q2 24 | $244.7M | $24.7M | ||
| Q1 24 | $242.6M | $18.1M |
| Q4 25 | $3.2B | $51.4M | ||
| Q3 25 | $3.2B | $44.4M | ||
| Q2 25 | $3.2B | $45.9M | ||
| Q1 25 | $3.2B | $46.4M | ||
| Q4 24 | $3.2B | $54.9M | ||
| Q3 24 | $3.1B | $57.1M | ||
| Q2 24 | $3.1B | $49.9M | ||
| Q1 24 | $3.0B | $47.3M |
| 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 | $4.0M |
| Free Cash FlowOCF − Capex | $34.6M | — |
| FCF MarginFCF / Revenue | 133.9% | — |
| Capex IntensityCapex / Revenue | 12.5% | — |
| Cash ConversionOCF / Net Profit | 3.72× | 2.01× |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $4.0M | ||
| Q3 25 | $12.9M | $633.2K | ||
| Q2 25 | $7.4M | $-1.4M | ||
| Q1 25 | $2.2M | $-3.3M | ||
| Q4 24 | $26.0M | $9.1M | ||
| Q3 24 | $9.8M | $4.7M | ||
| Q2 24 | $6.4M | $-6.5M | ||
| Q1 24 | $-1.5M | $-637.0K |
| Q4 25 | $34.6M | — | ||
| Q3 25 | $12.6M | — | ||
| Q2 25 | $7.2M | — | ||
| Q1 25 | $828.0K | — | ||
| Q4 24 | $24.6M | $9.0M | ||
| Q3 24 | $9.6M | $4.6M | ||
| Q2 24 | $6.3M | $-6.7M | ||
| Q1 24 | $-1.8M | $-741.4K |
| Q4 25 | 133.9% | — | ||
| Q3 25 | 51.4% | — | ||
| Q2 25 | 32.1% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 111.7% | 49.7% | ||
| Q3 24 | 47.0% | 18.1% | ||
| Q2 24 | 32.9% | -19.0% | ||
| Q1 24 | -9.8% | -2.5% |
| Q4 25 | 12.5% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 6.2% | — | ||
| Q4 24 | 6.7% | 0.2% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 0.3% | 0.7% | ||
| Q1 24 | 1.8% | 0.3% |
| Q4 25 | 3.72× | 2.01× | ||
| Q3 25 | 1.42× | 0.41× | ||
| Q2 25 | 0.91× | -17.92× | ||
| Q1 25 | 0.31× | — | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 1.03× | -2.30× | ||
| Q1 24 | -0.25× | -0.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
