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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and PEDEVCO CORP (PED). Click either name above to swap in a different company.

First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $23.1M, roughly 1.1× PEDEVCO CORP). First Bancorp, Inc runs the higher net margin — 39.4% vs -36.8%, a 76.2% gap on every dollar of revenue. On growth, PEDEVCO CORP posted the faster year-over-year revenue change (118.2% vs 17.5%). Over the past eight quarters, PEDEVCO CORP's revenue compounded faster (68.6% 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.

PEDEVCO Corp is an independent energy company specializing in the acquisition, exploration, development, and production of oil and natural gas assets. It primarily holds and operates onshore resource properties across continental US basins, serving domestic wholesale, utility, and industrial energy customer segments.

FNLC vs PED — Head-to-Head

Bigger by revenue
FNLC
FNLC
1.1× larger
FNLC
$25.8M
$23.1M
PED
Growing faster (revenue YoY)
PED
PED
+100.7% gap
PED
118.2%
17.5%
FNLC
Higher net margin
FNLC
FNLC
76.2% more per $
FNLC
39.4%
-36.8%
PED
Faster 2-yr revenue CAGR
PED
PED
Annualised
PED
68.6%
18.1%
FNLC

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
FNLC
FNLC
PED
PED
Revenue
$25.8M
$23.1M
Net Profit
$10.2M
$-8.5M
Gross Margin
Operating Margin
48.1%
-21.3%
Net Margin
39.4%
-36.8%
Revenue YoY
17.5%
118.2%
Net Profit YoY
39.7%
-243.5%
EPS (diluted)
$0.91
$-2.23

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.

Revenue
FNLC
FNLC
PED
PED
Q4 25
$25.8M
$23.1M
Q3 25
$24.5M
$7.0M
Q2 25
$22.5M
$7.0M
Q1 25
$21.8M
$8.7M
Q4 24
$22.0M
$10.6M
Q3 24
$20.5M
$9.1M
Q2 24
$19.2M
$11.8M
Q1 24
$18.5M
$8.1M
Net Profit
FNLC
FNLC
PED
PED
Q4 25
$10.2M
$-8.5M
Q3 25
$9.1M
$-325.0K
Q2 25
$8.1M
$-1.7M
Q1 25
$7.1M
$140.0K
Q4 24
$7.3M
$5.9M
Q3 24
$7.6M
$2.9M
Q2 24
$6.2M
$2.7M
Q1 24
$6.0M
$773.0K
Operating Margin
FNLC
FNLC
PED
PED
Q4 25
48.1%
-21.3%
Q3 25
45.2%
-12.0%
Q2 25
43.7%
-32.2%
Q1 25
39.3%
1.7%
Q4 24
39.5%
-12.9%
Q3 24
44.6%
31.3%
Q2 24
38.8%
22.3%
Q1 24
39.3%
7.6%
Net Margin
FNLC
FNLC
PED
PED
Q4 25
39.4%
-36.8%
Q3 25
37.0%
-4.7%
Q2 25
35.8%
-24.0%
Q1 25
32.5%
1.6%
Q4 24
33.1%
56.0%
Q3 24
36.9%
32.2%
Q2 24
32.1%
22.7%
Q1 24
32.5%
9.5%
EPS (diluted)
FNLC
FNLC
PED
PED
Q4 25
$0.91
$-2.23
Q3 25
$0.81
$0.00
Q2 25
$0.72
$-0.02
Q1 25
$0.63
$0.00
Q4 24
$0.66
$2.69
Q3 24
$0.68
$0.03
Q2 24
$0.55
$0.03
Q1 24
$0.54
$0.01

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
FNLC
FNLC
PED
PED
Cash + ST InvestmentsLiquidity on hand
$3.2M
Total DebtLower is stronger
$95.5M
Stockholders' EquityBook value
$283.1M
$207.4M
Total Assets
$3.2B
$375.9M
Debt / EquityLower = less leverage
0.34×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNLC
FNLC
PED
PED
Q4 25
$3.2M
Q3 25
$10.9M
Q2 25
$8.5M
Q1 25
$10.4M
Q4 24
$4.0M
Q3 24
$4.6M
Q2 24
$6.1M
Q1 24
$13.3M
Total Debt
FNLC
FNLC
PED
PED
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
Stockholders' Equity
FNLC
FNLC
PED
PED
Q4 25
$283.1M
$207.4M
Q3 25
$274.6M
$115.4M
Q2 25
$265.5M
$115.2M
Q1 25
$259.7M
$116.2M
Q4 24
$252.5M
$115.6M
Q3 24
$256.8M
$106.5M
Q2 24
$244.7M
$103.2M
Q1 24
$242.6M
$100.0M
Total Assets
FNLC
FNLC
PED
PED
Q4 25
$3.2B
$375.9M
Q3 25
$3.2B
$135.9M
Q2 25
$3.2B
$136.8M
Q1 25
$3.2B
$145.6M
Q4 24
$3.2B
$128.3M
Q3 24
$3.1B
$114.3M
Q2 24
$3.1B
$111.0M
Q1 24
$3.0B
$118.3M
Debt / Equity
FNLC
FNLC
PED
PED
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
FNLC
FNLC
PED
PED
Operating Cash FlowLast quarter
$37.8M
$-2.1M
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.

Operating Cash Flow
FNLC
FNLC
PED
PED
Q4 25
$37.8M
$-2.1M
Q3 25
$12.9M
$7.4M
Q2 25
$7.4M
$-420.0K
Q1 25
$2.2M
$5.9M
Q4 24
$26.0M
$4.2M
Q3 24
$9.8M
$8.3M
Q2 24
$6.4M
$4.6M
Q1 24
$-1.5M
$-4.3M
Free Cash Flow
FNLC
FNLC
PED
PED
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
FCF Margin
FNLC
FNLC
PED
PED
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%
Capex Intensity
FNLC
FNLC
PED
PED
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%
Cash Conversion
FNLC
FNLC
PED
PED
Q4 25
3.72×
Q3 25
1.42×
Q2 25
0.91×
Q1 25
0.31×
42.34×
Q4 24
3.58×
0.71×
Q3 24
1.29×
2.83×
Q2 24
1.03×
1.71×
Q1 24
-0.25×
-5.56×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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