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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $25.8M, roughly 1.4× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -8.9%, a 48.3% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs 3.1%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $7.7M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -15.0%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
FNLC vs SMRT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $36.5M |
| Net Profit | $10.2M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | 48.1% | -10.9% |
| Net Margin | 39.4% | -8.9% |
| Revenue YoY | 17.5% | 3.1% |
| Net Profit YoY | 39.7% | 71.6% |
| EPS (diluted) | $0.91 | $-0.02 |
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 | $36.5M | ||
| Q3 25 | $24.5M | $36.2M | ||
| Q2 25 | $22.5M | $38.3M | ||
| Q1 25 | $21.8M | $41.3M | ||
| Q4 24 | $22.0M | $35.4M | ||
| Q3 24 | $20.5M | $40.5M | ||
| Q2 24 | $19.2M | $48.5M | ||
| Q1 24 | $18.5M | $50.5M |
| Q4 25 | $10.2M | $-3.2M | ||
| Q3 25 | $9.1M | $-6.3M | ||
| Q2 25 | $8.1M | $-10.9M | ||
| Q1 25 | $7.1M | $-40.2M | ||
| Q4 24 | $7.3M | $-11.4M | ||
| Q3 24 | $7.6M | $-9.9M | ||
| Q2 24 | $6.2M | $-4.6M | ||
| Q1 24 | $6.0M | $-7.7M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
| Q4 25 | 48.1% | -10.9% | ||
| Q3 25 | 45.2% | -19.4% | ||
| Q2 25 | 43.7% | -30.5% | ||
| Q1 25 | 39.3% | -99.9% | ||
| Q4 24 | 39.5% | -36.6% | ||
| Q3 24 | 44.6% | -29.0% | ||
| Q2 24 | 38.8% | -14.3% | ||
| Q1 24 | 39.3% | -20.1% |
| Q4 25 | 39.4% | -8.9% | ||
| Q3 25 | 37.0% | -17.3% | ||
| Q2 25 | 35.8% | -28.3% | ||
| Q1 25 | 32.5% | -97.2% | ||
| Q4 24 | 33.1% | -32.3% | ||
| Q3 24 | 36.9% | -24.5% | ||
| Q2 24 | 32.1% | -9.5% | ||
| Q1 24 | 32.5% | -15.2% |
| Q4 25 | $0.91 | $-0.02 | ||
| Q3 25 | $0.81 | $-0.03 | ||
| Q2 25 | $0.72 | $-0.06 | ||
| Q1 25 | $0.63 | $-0.21 | ||
| Q4 24 | $0.66 | $-0.06 | ||
| Q3 24 | $0.68 | $-0.05 | ||
| Q2 24 | $0.55 | $-0.02 | ||
| Q1 24 | $0.54 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $232.1M |
| Total Assets | $3.2B | $320.9M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M | ||
| Q1 24 | — | $204.7M |
| 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 | $232.1M | ||
| Q3 25 | $274.6M | $234.4M | ||
| Q2 25 | $265.5M | $238.8M | ||
| Q1 25 | $259.7M | $250.7M | ||
| Q4 24 | $252.5M | $289.4M | ||
| Q3 24 | $256.8M | $305.1M | ||
| Q2 24 | $244.7M | $329.4M | ||
| Q1 24 | $242.6M | $333.1M |
| Q4 25 | $3.2B | $320.9M | ||
| Q3 25 | $3.2B | $335.8M | ||
| Q2 25 | $3.2B | $354.0M | ||
| Q1 25 | $3.2B | $366.1M | ||
| Q4 24 | $3.2B | $420.2M | ||
| Q3 24 | $3.1B | $448.6M | ||
| Q2 24 | $3.1B | $475.3M | ||
| Q1 24 | $3.0B | $485.5M |
| 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 | $7.7M |
| Free Cash FlowOCF − Capex | $34.6M | $7.7M |
| FCF MarginFCF / Revenue | 133.9% | 21.0% |
| Capex IntensityCapex / Revenue | 12.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $7.7M | ||
| Q3 25 | $12.9M | $-2.1M | ||
| Q2 25 | $7.4M | $-14.9M | ||
| Q1 25 | $2.2M | $-12.2M | ||
| Q4 24 | $26.0M | $-12.0M | ||
| Q3 24 | $9.8M | $-3.7M | ||
| Q2 24 | $6.4M | $-13.9M | ||
| Q1 24 | $-1.5M | $-3.3M |
| Q4 25 | $34.6M | $7.7M | ||
| Q3 25 | $12.6M | $-2.2M | ||
| Q2 25 | $7.2M | $-16.2M | ||
| Q1 25 | $828.0K | $-14.3M | ||
| Q4 24 | $24.6M | $-13.3M | ||
| Q3 24 | $9.6M | $-3.9M | ||
| Q2 24 | $6.3M | $-14.1M | ||
| Q1 24 | $-1.8M | $-3.4M |
| Q4 25 | 133.9% | 21.0% | ||
| Q3 25 | 51.4% | -6.1% | ||
| Q2 25 | 32.1% | -42.3% | ||
| Q1 25 | 3.8% | -34.7% | ||
| Q4 24 | 111.7% | -37.5% | ||
| Q3 24 | 47.0% | -9.7% | ||
| Q2 24 | 32.9% | -29.1% | ||
| Q1 24 | -9.8% | -6.7% |
| Q4 25 | 12.5% | 0.0% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 0.6% | 3.3% | ||
| Q1 25 | 6.2% | 5.3% | ||
| Q4 24 | 6.7% | 3.5% | ||
| Q3 24 | 0.5% | 0.6% | ||
| Q2 24 | 0.3% | 0.5% | ||
| Q1 24 | 1.8% | 0.1% |
| 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.
Revenue Breakdown by Segment
FNLC
Segment breakdown not available.
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
