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

Veritone, 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 -109.8%, a 149.1% gap on every dollar of revenue. On growth, Veritone, Inc. posted the faster year-over-year revenue change (21.1% vs 17.5%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $-17.1M). Over the past eight quarters, Veritone, Inc.'s revenue compounded faster (39.0% 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.

Veritone, Inc. is an American artificial intelligence technology company based in Irvine, California founded in 2014. It serves a variety of industries including media, professional sports teams, federal government agencies, energy utilities, and state and local police departments.

FNLC vs VERI — Head-to-Head

Bigger by revenue
VERI
VERI
1.0× larger
VERI
$26.6M
$25.8M
FNLC
Growing faster (revenue YoY)
VERI
VERI
+3.6% gap
VERI
21.1%
17.5%
FNLC
Higher net margin
FNLC
FNLC
149.1% more per $
FNLC
39.4%
-109.8%
VERI
More free cash flow
FNLC
FNLC
$51.7M more FCF
FNLC
$34.6M
$-17.1M
VERI
Faster 2-yr revenue CAGR
VERI
VERI
Annualised
VERI
39.0%
18.1%
FNLC

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
FNLC
FNLC
VERI
VERI
Revenue
$25.8M
$26.6M
Net Profit
$10.2M
$-29.2M
Gross Margin
Operating Margin
48.1%
-68.2%
Net Margin
39.4%
-109.8%
Revenue YoY
17.5%
21.1%
Net Profit YoY
39.7%
-34.5%
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.

Revenue
FNLC
FNLC
VERI
VERI
Q4 25
$25.8M
Q3 25
$24.5M
$26.6M
Q2 25
$22.5M
$23.2M
Q1 25
$21.8M
$22.5M
Q4 24
$22.0M
$22.4M
Q3 24
$20.5M
$22.0M
Q2 24
$19.2M
$24.1M
Q1 24
$18.5M
$24.2M
Net Profit
FNLC
FNLC
VERI
VERI
Q4 25
$10.2M
Q3 25
$9.1M
$-29.2M
Q2 25
$8.1M
$-26.5M
Q1 25
$7.1M
$-19.9M
Q4 24
$7.3M
$31.8M
Q3 24
$7.6M
$-21.7M
Q2 24
$6.2M
$-22.2M
Q1 24
$6.0M
$-25.2M
Gross Margin
FNLC
FNLC
VERI
VERI
Q4 25
Q3 25
Q2 25
72.6%
Q1 25
Q4 24
Q3 24
71.2%
Q2 24
72.6%
Q1 24
70.8%
Operating Margin
FNLC
FNLC
VERI
VERI
Q4 25
48.1%
Q3 25
45.2%
-68.2%
Q2 25
43.7%
-82.0%
Q1 25
39.3%
-96.3%
Q4 24
39.5%
-93.8%
Q3 24
44.6%
-102.3%
Q2 24
38.8%
-84.4%
Q1 24
39.3%
-100.9%
Net Margin
FNLC
FNLC
VERI
VERI
Q4 25
39.4%
Q3 25
37.0%
-109.8%
Q2 25
35.8%
-114.2%
Q1 25
32.5%
-88.5%
Q4 24
33.1%
141.7%
Q3 24
36.9%
-98.9%
Q2 24
32.1%
-92.4%
Q1 24
32.5%
-104.3%
EPS (diluted)
FNLC
FNLC
VERI
VERI
Q4 25
$0.91
Q3 25
$0.81
Q2 25
$0.72
$-0.53
Q1 25
$0.63
$-0.41
Q4 24
$0.66
$0.85
Q3 24
$0.68
$-0.57
Q2 24
$0.55
$-0.59
Q1 24
$0.54
$-0.67

Balance Sheet & Financial Strength

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

Metric
FNLC
FNLC
VERI
VERI
Cash + ST InvestmentsLiquidity on hand
$36.2M
Total DebtLower is stronger
$95.5M
$35.4M
Stockholders' EquityBook value
$283.1M
$15.5M
Total Assets
$3.2B
$198.6M
Debt / EquityLower = less leverage
0.34×
2.28×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNLC
FNLC
VERI
VERI
Q4 25
Q3 25
$36.2M
Q2 25
$13.6M
Q1 25
$16.1M
Q4 24
$16.9M
Q3 24
$11.4M
Q2 24
$46.0M
Q1 24
$90.7M
Total Debt
FNLC
FNLC
VERI
VERI
Q4 25
$95.5M
Q3 25
$95.5M
$35.4M
Q2 25
$95.0M
$37.3M
Q1 25
$70.0M
$39.2M
Q4 24
$95.0M
$41.2M
Q3 24
$95.0M
$73.6M
Q2 24
$70.0M
$75.6M
Q1 24
$70.0M
$77.5M
Stockholders' Equity
FNLC
FNLC
VERI
VERI
Q4 25
$283.1M
Q3 25
$274.6M
$15.5M
Q2 25
$265.5M
$3.5M
Q1 25
$259.7M
$14.8M
Q4 24
$252.5M
$13.5M
Q3 24
$256.8M
$-25.2M
Q2 24
$244.7M
$-5.7M
Q1 24
$242.6M
$14.9M
Total Assets
FNLC
FNLC
VERI
VERI
Q4 25
$3.2B
Q3 25
$3.2B
$198.6M
Q2 25
$3.2B
$188.1M
Q1 25
$3.2B
$199.6M
Q4 24
$3.2B
$198.1M
Q3 24
$3.1B
$336.4M
Q2 24
$3.1B
$321.8M
Q1 24
$3.0B
$359.6M
Debt / Equity
FNLC
FNLC
VERI
VERI
Q4 25
0.34×
Q3 25
0.35×
2.28×
Q2 25
0.36×
10.71×
Q1 25
0.27×
2.66×
Q4 24
0.38×
3.06×
Q3 24
0.37×
Q2 24
0.29×
Q1 24
0.29×
5.21×

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
VERI
VERI
Operating Cash FlowLast quarter
$37.8M
$-15.9M
Free Cash FlowOCF − Capex
$34.6M
$-17.1M
FCF MarginFCF / Revenue
133.9%
-64.2%
Capex IntensityCapex / Revenue
12.5%
4.6%
Cash ConversionOCF / Net Profit
3.72×
TTM Free Cash FlowTrailing 4 quarters
$55.3M
$-46.4M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FNLC
FNLC
VERI
VERI
Q4 25
$37.8M
Q3 25
$12.9M
$-15.9M
Q2 25
$7.4M
$-8.2M
Q1 25
$2.2M
$-17.0M
Q4 24
$26.0M
$-500.0K
Q3 24
$9.8M
$3.6M
Q2 24
$6.4M
$-42.7M
Q1 24
$-1.5M
$14.9M
Free Cash Flow
FNLC
FNLC
VERI
VERI
Q4 25
$34.6M
Q3 25
$12.6M
$-17.1M
Q2 25
$7.2M
$-9.2M
Q1 25
$828.0K
$-18.4M
Q4 24
$24.6M
$-1.7M
Q3 24
$9.6M
$1.9M
Q2 24
$6.3M
$-44.1M
Q1 24
$-1.8M
$13.1M
FCF Margin
FNLC
FNLC
VERI
VERI
Q4 25
133.9%
Q3 25
51.4%
-64.2%
Q2 25
32.1%
-39.6%
Q1 25
3.8%
-81.9%
Q4 24
111.7%
-7.4%
Q3 24
47.0%
8.6%
Q2 24
32.9%
-183.4%
Q1 24
-9.8%
54.2%
Capex Intensity
FNLC
FNLC
VERI
VERI
Q4 25
12.5%
Q3 25
1.2%
4.6%
Q2 25
0.6%
4.1%
Q1 25
6.2%
6.0%
Q4 24
6.7%
5.2%
Q3 24
0.5%
7.7%
Q2 24
0.3%
5.9%
Q1 24
1.8%
7.6%
Cash Conversion
FNLC
FNLC
VERI
VERI
Q4 25
3.72×
Q3 25
1.42×
Q2 25
0.91×
Q1 25
0.31×
Q4 24
3.58×
-0.02×
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
FNLC

Segment breakdown not available.

VERI
VERI

Software Products And Services$20.9M78%
Other$2.3M9%
Public Sector$2.0M7%
Representation Services$1.5M6%

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