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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and ON24 INC. (ONTF). Click either name above to swap in a different company.
ON24 INC. is the larger business by last-quarter revenue ($34.6M vs $25.8M, roughly 1.3× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -18.8%, a 58.1% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -5.6%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-2.2M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -4.2%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
ON24 Inc., a San Francisco-based company, is a cloud-based platform that develops and sells web-based webinar, virtual conferencing, content hub, and landing page applications as a service for marketing and sales teams in B2B organizations. In 2023 it expanded its offerings to include generative AI services.
FNLC vs ONTF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $34.6M |
| Net Profit | $10.2M | $-6.5M |
| Gross Margin | — | 74.9% |
| Operating Margin | 48.1% | -23.5% |
| Net Margin | 39.4% | -18.8% |
| Revenue YoY | 17.5% | -5.6% |
| Net Profit YoY | 39.7% | 26.8% |
| 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 | $34.6M | ||
| Q3 25 | $24.5M | $34.6M | ||
| Q2 25 | $22.5M | $35.3M | ||
| Q1 25 | $21.8M | $34.7M | ||
| Q4 24 | $22.0M | $36.7M | ||
| Q3 24 | $20.5M | $36.3M | ||
| Q2 24 | $19.2M | $37.3M | ||
| Q1 24 | $18.5M | $37.7M |
| Q4 25 | $10.2M | $-6.5M | ||
| Q3 25 | $9.1M | $-6.4M | ||
| Q2 25 | $8.1M | $-7.3M | ||
| Q1 25 | $7.1M | $-8.7M | ||
| Q4 24 | $7.3M | $-8.9M | ||
| Q3 24 | $7.6M | $-11.4M | ||
| Q2 24 | $6.2M | $-11.2M | ||
| Q1 24 | $6.0M | $-10.7M |
| Q4 25 | — | 74.9% | ||
| Q3 25 | — | 74.7% | ||
| Q2 25 | — | 75.1% | ||
| Q1 25 | — | 73.8% | ||
| Q4 24 | — | 74.5% | ||
| Q3 24 | — | 74.3% | ||
| Q2 24 | — | 74.5% | ||
| Q1 24 | — | 74.1% |
| Q4 25 | 48.1% | -23.5% | ||
| Q3 25 | 45.2% | -23.1% | ||
| Q2 25 | 43.7% | -26.0% | ||
| Q1 25 | 39.3% | -30.1% | ||
| Q4 24 | 39.5% | -32.1% | ||
| Q3 24 | 44.6% | -36.7% | ||
| Q2 24 | 38.8% | -35.0% | ||
| Q1 24 | 39.3% | -33.1% |
| Q4 25 | 39.4% | -18.8% | ||
| Q3 25 | 37.0% | -18.4% | ||
| Q2 25 | 35.8% | -20.6% | ||
| Q1 25 | 32.5% | -25.1% | ||
| Q4 24 | 33.1% | -24.2% | ||
| Q3 24 | 36.9% | -31.4% | ||
| Q2 24 | 32.1% | -29.9% | ||
| Q1 24 | 32.5% | -28.4% |
| Q4 25 | $0.91 | $-0.15 | ||
| Q3 25 | $0.81 | $-0.15 | ||
| Q2 25 | $0.72 | $-0.17 | ||
| Q1 25 | $0.63 | $-0.21 | ||
| Q4 24 | $0.66 | $-0.21 | ||
| Q3 24 | $0.68 | $-0.27 | ||
| Q2 24 | $0.55 | $-0.27 | ||
| Q1 24 | $0.54 | $-0.26 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $37.0M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $139.4M |
| Total Assets | $3.2B | $228.4M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $37.0M | ||
| Q3 25 | — | $47.2M | ||
| Q2 25 | — | $37.7M | ||
| Q1 25 | — | $26.8M | ||
| Q4 24 | — | $14.9M | ||
| Q3 24 | — | $11.0M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $18.3M |
| 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 | $139.4M | ||
| Q3 25 | $274.6M | $144.3M | ||
| Q2 25 | $265.5M | $150.0M | ||
| Q1 25 | $259.7M | $153.7M | ||
| Q4 24 | $252.5M | $159.4M | ||
| Q3 24 | $256.8M | $164.9M | ||
| Q2 24 | $244.7M | $170.8M | ||
| Q1 24 | $242.6M | $174.4M |
| Q4 25 | $3.2B | $228.4M | ||
| Q3 25 | $3.2B | $224.8M | ||
| Q2 25 | $3.2B | $235.1M | ||
| Q1 25 | $3.2B | $245.8M | ||
| Q4 24 | $3.2B | $251.0M | ||
| Q3 24 | $3.1B | $250.9M | ||
| Q2 24 | $3.1B | $259.0M | ||
| Q1 24 | $3.0B | $269.2M |
| 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 | $-1.1M |
| Free Cash FlowOCF − Capex | $34.6M | $-2.2M |
| FCF MarginFCF / Revenue | 133.9% | -6.4% |
| Capex IntensityCapex / Revenue | 12.5% | 3.3% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $-1.1M | ||
| Q3 25 | $12.9M | $2.5M | ||
| Q2 25 | $7.4M | $2.6M | ||
| Q1 25 | $2.2M | $3.4M | ||
| Q4 24 | $26.0M | $985.0K | ||
| Q3 24 | $9.8M | $295.0K | ||
| Q2 24 | $6.4M | $1.4M | ||
| Q1 24 | $-1.5M | $2.1M |
| Q4 25 | $34.6M | $-2.2M | ||
| Q3 25 | $12.6M | $2.2M | ||
| Q2 25 | $7.2M | $2.1M | ||
| Q1 25 | $828.0K | $1.9M | ||
| Q4 24 | $24.6M | $424.0K | ||
| Q3 24 | $9.6M | $143.0K | ||
| Q2 24 | $6.3M | $898.0K | ||
| Q1 24 | $-1.8M | $1.1M |
| Q4 25 | 133.9% | -6.4% | ||
| Q3 25 | 51.4% | 6.2% | ||
| Q2 25 | 32.1% | 5.9% | ||
| Q1 25 | 3.8% | 5.6% | ||
| Q4 24 | 111.7% | 1.2% | ||
| Q3 24 | 47.0% | 0.4% | ||
| Q2 24 | 32.9% | 2.4% | ||
| Q1 24 | -9.8% | 2.9% |
| Q4 25 | 12.5% | 3.3% | ||
| Q3 25 | 1.2% | 1.1% | ||
| Q2 25 | 0.6% | 1.4% | ||
| Q1 25 | 6.2% | 4.2% | ||
| Q4 24 | 6.7% | 1.5% | ||
| Q3 24 | 0.5% | 0.4% | ||
| Q2 24 | 0.3% | 1.3% | ||
| Q1 24 | 1.8% | 2.8% |
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | — | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 0.31× | — | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 1.03× | — | ||
| Q1 24 | -0.25× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
