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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $25.8M, roughly 1.8× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs -33.9%, a 73.3% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
FNLC vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $47.1M |
| Net Profit | $10.2M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 48.1% | -17.7% |
| Net Margin | 39.4% | -33.9% |
| Revenue YoY | 17.5% | -15.6% |
| Net Profit YoY | 39.7% | 68.8% |
| EPS (diluted) | $0.91 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $24.5M | $38.2M | ||
| Q2 25 | $22.5M | $38.4M | ||
| Q1 25 | $21.8M | $32.5M | ||
| Q4 24 | $22.0M | $55.8M | ||
| Q3 24 | $20.5M | $29.3M | ||
| Q2 24 | $19.2M | $34.0M | ||
| Q1 24 | $18.5M | $25.5M |
| Q4 25 | $10.2M | $-16.0M | ||
| Q3 25 | $9.1M | $-23.8M | ||
| Q2 25 | $8.1M | $202.5M | ||
| Q1 25 | $7.1M | $-25.0M | ||
| Q4 24 | $7.3M | $-51.1M | ||
| Q3 24 | $7.6M | $-148.3M | ||
| Q2 24 | $6.2M | $-582.3M | ||
| Q1 24 | $6.0M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 48.1% | -17.7% | ||
| Q3 25 | 45.2% | -33.6% | ||
| Q2 25 | 43.7% | -34.8% | ||
| Q1 25 | 39.3% | -65.0% | ||
| Q4 24 | 39.5% | -84.4% | ||
| Q3 24 | 44.6% | -493.2% | ||
| Q2 24 | 38.8% | -1705.5% | ||
| Q1 24 | 39.3% | -267.0% |
| Q4 25 | 39.4% | -33.9% | ||
| Q3 25 | 37.0% | -62.2% | ||
| Q2 25 | 35.8% | 527.8% | ||
| Q1 25 | 32.5% | -76.9% | ||
| Q4 24 | 33.1% | -91.6% | ||
| Q3 24 | 36.9% | -506.3% | ||
| Q2 24 | 32.1% | -1712.6% | ||
| Q1 24 | 32.5% | -283.9% |
| Q4 25 | $0.91 | $-4.40 | ||
| Q3 25 | $0.81 | $-2.84 | ||
| Q2 25 | $0.72 | $-1.79 | ||
| Q1 25 | $0.63 | $-0.15 | ||
| Q4 24 | $0.66 | $-15.29 | ||
| Q3 24 | $0.68 | $-18.24 | ||
| Q2 24 | $0.55 | $-71.81 | ||
| Q1 24 | $0.54 | $-0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $48.9M |
| Total DebtLower is stronger | $95.5M | — |
| Stockholders' EquityBook value | $283.1M | $-249.4M |
| Total Assets | $3.2B | $308.9M |
| Debt / EquityLower = less leverage | 0.34× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| 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 | $-249.4M | ||
| Q3 25 | $274.6M | $-235.7M | ||
| Q2 25 | $265.5M | $-214.1M | ||
| Q1 25 | $259.7M | $-417.5M | ||
| Q4 24 | $252.5M | $-398.4M | ||
| Q3 24 | $256.8M | $-344.1M | ||
| Q2 24 | $244.7M | $-203.2M | ||
| Q1 24 | $242.6M | $371.6M |
| Q4 25 | $3.2B | $308.9M | ||
| Q3 25 | $3.2B | $362.6M | ||
| Q2 25 | $3.2B | $379.2M | ||
| Q1 25 | $3.2B | $405.1M | ||
| Q4 24 | $3.2B | $437.4M | ||
| Q3 24 | $3.1B | $537.8M | ||
| Q2 24 | $3.1B | $691.5M | ||
| Q1 24 | $3.0B | $1.3B |
| 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 | $8.2M |
| 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 | $8.2M | ||
| Q3 25 | $12.9M | $11.4M | ||
| Q2 25 | $7.4M | $-21.3M | ||
| Q1 25 | $2.2M | $8.5M | ||
| Q4 24 | $26.0M | $-14.7M | ||
| Q3 24 | $9.8M | $-9.4M | ||
| Q2 24 | $6.4M | $-11.9M | ||
| Q1 24 | $-1.5M | $-621.0K |
| 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× | -0.11× | ||
| 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.
