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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $25.8M, roughly 1.0× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -34.6%, a 74.0% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 17.5%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 18.1%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
FNLC vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $26.6M |
| Net Profit | $10.2M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 48.1% | -18.4% |
| Net Margin | 39.4% | -34.6% |
| Revenue YoY | 17.5% | 29.6% |
| Net Profit YoY | 39.7% | -1.5% |
| 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 | $26.6M | ||
| Q3 25 | $24.5M | $32.0M | ||
| Q2 25 | $22.5M | $26.1M | ||
| Q1 25 | $21.8M | $21.1M | ||
| Q4 24 | $22.0M | $20.5M | ||
| Q3 24 | $20.5M | $22.1M | ||
| Q2 24 | $19.2M | $20.7M | ||
| Q1 24 | $18.5M | $14.8M |
| Q4 25 | $10.2M | $-9.2M | ||
| Q3 25 | $9.1M | $4.1M | ||
| Q2 25 | $8.1M | $-37.6M | ||
| Q1 25 | $7.1M | $3.0M | ||
| Q4 24 | $7.3M | $-9.1M | ||
| Q3 24 | $7.6M | $-5.6M | ||
| Q2 24 | $6.2M | $-1.1M | ||
| Q1 24 | $6.0M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 48.1% | -18.4% | ||
| Q3 25 | 45.2% | 3.8% | ||
| Q2 25 | 43.7% | -7.4% | ||
| Q1 25 | 39.3% | -12.7% | ||
| Q4 24 | 39.5% | -36.2% | ||
| Q3 24 | 44.6% | -21.8% | ||
| Q2 24 | 38.8% | -10.8% | ||
| Q1 24 | 39.3% | -39.0% |
| Q4 25 | 39.4% | -34.6% | ||
| Q3 25 | 37.0% | 12.9% | ||
| Q2 25 | 35.8% | -144.4% | ||
| Q1 25 | 32.5% | 14.3% | ||
| Q4 24 | 33.1% | -44.2% | ||
| Q3 24 | 36.9% | -25.4% | ||
| Q2 24 | 32.1% | -5.5% | ||
| Q1 24 | 32.5% | 22.2% |
| Q4 25 | $0.91 | — | ||
| Q3 25 | $0.81 | $-0.06 | ||
| Q2 25 | $0.72 | $-2.37 | ||
| Q1 25 | $0.63 | $0.11 | ||
| Q4 24 | $0.66 | $-0.15 | ||
| Q3 24 | $0.68 | $-0.61 | ||
| Q2 24 | $0.55 | $-0.30 | ||
| Q1 24 | $0.54 | $-0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $35.5M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $19.0M |
| Total Assets | $3.2B | $85.6M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $35.5M | ||
| Q3 25 | — | $23.8M | ||
| Q2 25 | — | $21.8M | ||
| Q1 25 | — | $16.3M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | — | $21.6M | ||
| Q2 24 | — | $15.4M | ||
| Q1 24 | — | $18.4M |
| 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 | $2.1M | ||
| Q1 24 | $70.0M | $4.0M |
| Q4 25 | $283.1M | $19.0M | ||
| Q3 25 | $274.6M | $-54.1M | ||
| Q2 25 | $265.5M | $-59.2M | ||
| Q1 25 | $259.7M | $-25.8M | ||
| Q4 24 | $252.5M | $-29.8M | ||
| Q3 24 | $256.8M | $-21.5M | ||
| Q2 24 | $244.7M | $-33.4M | ||
| Q1 24 | $242.6M | $-32.9M |
| Q4 25 | $3.2B | $85.6M | ||
| Q3 25 | $3.2B | $74.9M | ||
| Q2 25 | $3.2B | $63.5M | ||
| Q1 25 | $3.2B | $51.4M | ||
| Q4 24 | $3.2B | $49.5M | ||
| Q3 24 | $3.1B | $56.1M | ||
| Q2 24 | $3.1B | $45.9M | ||
| Q1 24 | $3.0B | $43.8M |
| 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 | $-452.0K |
| Free Cash FlowOCF − Capex | $34.6M | $-651.0K |
| FCF MarginFCF / Revenue | 133.9% | -2.5% |
| Capex IntensityCapex / Revenue | 12.5% | 0.7% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $-452.0K | ||
| Q3 25 | $12.9M | $-2.2M | ||
| Q2 25 | $7.4M | $-2.2M | ||
| Q1 25 | $2.2M | $-5.9M | ||
| Q4 24 | $26.0M | $3.0M | ||
| Q3 24 | $9.8M | $-7.5M | ||
| Q2 24 | $6.4M | $-3.4M | ||
| Q1 24 | $-1.5M | $-3.4M |
| Q4 25 | $34.6M | $-651.0K | ||
| Q3 25 | $12.6M | $-2.2M | ||
| Q2 25 | $7.2M | $-2.3M | ||
| Q1 25 | $828.0K | $-5.9M | ||
| Q4 24 | $24.6M | $3.0M | ||
| Q3 24 | $9.6M | $-7.5M | ||
| Q2 24 | $6.3M | $-3.4M | ||
| Q1 24 | $-1.8M | — |
| Q4 25 | 133.9% | -2.5% | ||
| Q3 25 | 51.4% | -6.8% | ||
| Q2 25 | 32.1% | -8.8% | ||
| Q1 25 | 3.8% | -28.1% | ||
| Q4 24 | 111.7% | 14.5% | ||
| Q3 24 | 47.0% | -33.9% | ||
| Q2 24 | 32.9% | -16.3% | ||
| Q1 24 | -9.8% | — |
| Q4 25 | 12.5% | 0.7% | ||
| Q3 25 | 1.2% | 0.0% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 6.2% | 0.0% | ||
| Q4 24 | 6.7% | 0.2% | ||
| Q3 24 | 0.5% | 0.0% | ||
| Q2 24 | 0.3% | 0.0% | ||
| Q1 24 | 1.8% | 0.0% |
| Q4 25 | 3.72× | — | ||
| Q3 25 | 1.42× | -0.52× | ||
| Q2 25 | 0.91× | — | ||
| Q1 25 | 0.31× | -1.96× | ||
| Q4 24 | 3.58× | — | ||
| Q3 24 | 1.29× | — | ||
| Q2 24 | 1.03× | — | ||
| Q1 24 | -0.25× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FNLC
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
