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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and NEW ENGLAND REALTY ASSOCIATES LIMITED PARTNERSHIP (NEN). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $23.6M, roughly 1.1× NEW ENGLAND REALTY ASSOCIATES LIMITED PARTNERSHIP). First Bancorp, Inc runs the higher net margin — 39.4% vs -677.3%, a 716.7% 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 8.9%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
New England Realty Associates Limited Partnership is a real estate investment entity that owns, operates and manages residential and commercial properties primarily across the U.S. New England region. Its core assets include multifamily apartments, mixed-use properties and small commercial spaces, serving tenants across Massachusetts, New Hampshire and adjacent states, delivering steady returns to unitholders via rental income and property value growth.
FNLC vs NEN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $23.6M |
| Net Profit | $10.2M | $-1.4M |
| Gross Margin | — | — |
| Operating Margin | 48.1% | 14.0% |
| Net Margin | 39.4% | -677.3% |
| Revenue YoY | 17.5% | 15.7% |
| Net Profit YoY | 39.7% | -133.0% |
| 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.
| Q4 25 | $25.8M | $23.6M | ||
| Q3 25 | $24.5M | $23.7M | ||
| Q2 25 | $22.5M | $21.2M | ||
| Q1 25 | $21.8M | $20.7M | ||
| Q4 24 | $22.0M | $20.4M | ||
| Q3 24 | $20.5M | $20.2M | ||
| Q2 24 | $19.2M | $20.1M | ||
| Q1 24 | $18.5M | $19.9M |
| Q4 25 | $10.2M | $-1.4M | ||
| Q3 25 | $9.1M | $-521.8K | ||
| Q2 25 | $8.1M | $4.1M | ||
| Q1 25 | $7.1M | $3.8M | ||
| Q4 24 | $7.3M | $4.2M | ||
| Q3 24 | $7.6M | $3.9M | ||
| Q2 24 | $6.2M | $4.1M | ||
| Q1 24 | $6.0M | $3.5M |
| Q4 25 | 48.1% | 14.0% | ||
| Q3 25 | 45.2% | 20.0% | ||
| Q2 25 | 43.7% | 33.3% | ||
| Q1 25 | 39.3% | 30.1% | ||
| Q4 24 | 39.5% | 32.4% | ||
| Q3 24 | 44.6% | 32.0% | ||
| Q2 24 | 38.8% | 32.6% | ||
| Q1 24 | 39.3% | 28.9% |
| Q4 25 | 39.4% | -677.3% | ||
| Q3 25 | 37.0% | -2.2% | ||
| Q2 25 | 35.8% | 19.5% | ||
| Q1 25 | 32.5% | 18.3% | ||
| Q4 24 | 33.1% | 20.7% | ||
| Q3 24 | 36.9% | 19.3% | ||
| Q2 24 | 32.1% | 20.3% | ||
| Q1 24 | 32.5% | 17.4% |
| Q4 25 | $0.91 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.72 | — | ||
| Q1 25 | $0.63 | — | ||
| Q4 24 | $0.66 | — | ||
| Q3 24 | $0.68 | — | ||
| 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 | — | $26.7M |
| Total DebtLower is stronger | $95.5M | $531.0M |
| Stockholders' EquityBook value | $283.1M | — |
| Total Assets | $3.2B | $505.3M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $26.7M | ||
| Q3 25 | — | $13.4M | ||
| Q2 25 | — | $16.7M | ||
| Q1 25 | — | $30.9M | ||
| Q4 24 | — | $17.6M | ||
| Q3 24 | — | $15.1M | ||
| Q2 24 | — | $13.5M | ||
| Q1 24 | — | $28.8M |
| Q4 25 | $95.5M | $531.0M | ||
| Q3 25 | $95.5M | $514.2M | ||
| Q2 25 | $95.0M | $514.3M | ||
| Q1 25 | $70.0M | $407.8M | ||
| Q4 24 | $95.0M | $408.6M | ||
| Q3 24 | $95.0M | $409.3M | ||
| Q2 24 | $70.0M | $410.0M | ||
| Q1 24 | $70.0M | $410.7M |
| Q4 25 | $283.1M | — | ||
| Q3 25 | $274.6M | — | ||
| Q2 25 | $265.5M | — | ||
| Q1 25 | $259.7M | — | ||
| Q4 24 | $252.5M | — | ||
| Q3 24 | $256.8M | — | ||
| Q2 24 | $244.7M | — | ||
| Q1 24 | $242.6M | — |
| Q4 25 | $3.2B | $505.3M | ||
| Q3 25 | $3.2B | $492.9M | ||
| Q2 25 | $3.2B | $494.8M | ||
| Q1 25 | $3.2B | $385.2M | ||
| Q4 24 | $3.2B | $393.5M | ||
| Q3 24 | $3.1B | $387.4M | ||
| Q2 24 | $3.1B | $383.7M | ||
| Q1 24 | $3.0B | $381.2M |
| 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 | $27.7M |
| Free Cash FlowOCF − Capex | $34.6M | — |
| FCF MarginFCF / Revenue | 133.9% | — |
| Capex IntensityCapex / Revenue | 12.5% | — |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $27.7M | ||
| Q3 25 | $12.9M | $2.3M | ||
| Q2 25 | $7.4M | $12.5M | ||
| Q1 25 | $2.2M | $5.5M | ||
| Q4 24 | $26.0M | $31.9M | ||
| Q3 24 | $9.8M | $8.5M | ||
| Q2 24 | $6.4M | $5.4M | ||
| Q1 24 | $-1.5M | $6.1M |
| Q4 25 | $34.6M | — | ||
| Q3 25 | $12.6M | — | ||
| Q2 25 | $7.2M | — | ||
| Q1 25 | $828.0K | — | ||
| Q4 24 | $24.6M | — | ||
| Q3 24 | $9.6M | — | ||
| Q2 24 | $6.3M | — | ||
| Q1 24 | $-1.8M | — |
| Q4 25 | 133.9% | — | ||
| Q3 25 | 51.4% | — | ||
| Q2 25 | 32.1% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 111.7% | — | ||
| Q3 24 | 47.0% | — | ||
| Q2 24 | 32.9% | — | ||
| Q1 24 | -9.8% | — |
| Q4 25 | 12.5% | — | ||
| Q3 25 | 1.2% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 6.2% | — | ||
| Q4 24 | 6.7% | — | ||
| Q3 24 | 0.5% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.8% | — |
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.91× | 3.02× | ||
| Q1 25 | 0.31× | 1.44× | ||
| Q4 24 | 3.58× | 7.57× | ||
| Q3 24 | 1.29× | 2.17× | ||
| Q2 24 | 1.03× | 1.32× | ||
| Q1 24 | -0.25× | 1.77× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
