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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and X4 Pharmaceuticals, Inc (XFOR). Click either name above to swap in a different company.

X4 Pharmaceuticals, Inc is the larger business by last-quarter revenue ($28.8M vs $25.8M, roughly 1.1× First Bancorp, Inc). First Bancorp, Inc runs the higher net margin — 39.4% vs 1.0%, a 38.4% gap on every dollar of revenue.

Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.

X4 Pharmaceuticals, Inc. is a clinical-stage biotechnology company focused on developing novel targeted therapies for rare immunological diseases and oncology indications with high unmet medical needs. It operates primarily across the U.S. and European markets, with a lead pipeline candidate for WHIM syndrome and multiple other preclinical and clinical assets for immune disorders and cancer.

FNLC vs XFOR — Head-to-Head

Bigger by revenue
XFOR
XFOR
1.1× larger
XFOR
$28.8M
$25.8M
FNLC
Higher net margin
FNLC
FNLC
38.4% more per $
FNLC
39.4%
1.0%
XFOR

Income Statement — Q4 FY2025 vs Q1 FY2025

Metric
FNLC
FNLC
XFOR
XFOR
Revenue
$25.8M
$28.8M
Net Profit
$10.2M
$282.0K
Gross Margin
83.6%
Operating Margin
48.1%
-32.8%
Net Margin
39.4%
1.0%
Revenue YoY
17.5%
Net Profit YoY
39.7%
100.5%
EPS (diluted)
$0.91
$0.04

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
XFOR
XFOR
Q4 25
$25.8M
Q3 25
$24.5M
Q2 25
$22.5M
Q1 25
$21.8M
$28.8M
Q4 24
$22.0M
Q3 24
$20.5M
Q2 24
$19.2M
Q1 24
$18.5M
$0
Net Profit
FNLC
FNLC
XFOR
XFOR
Q4 25
$10.2M
Q3 25
$9.1M
Q2 25
$8.1M
Q1 25
$7.1M
$282.0K
Q4 24
$7.3M
Q3 24
$7.6M
Q2 24
$6.2M
Q1 24
$6.0M
$-51.8M
Gross Margin
FNLC
FNLC
XFOR
XFOR
Q4 25
Q3 25
Q2 25
Q1 25
83.6%
Q4 24
Q3 24
Q2 24
Q1 24
Operating Margin
FNLC
FNLC
XFOR
XFOR
Q4 25
48.1%
Q3 25
45.2%
Q2 25
43.7%
Q1 25
39.3%
-32.8%
Q4 24
39.5%
Q3 24
44.6%
Q2 24
38.8%
Q1 24
39.3%
Net Margin
FNLC
FNLC
XFOR
XFOR
Q4 25
39.4%
Q3 25
37.0%
Q2 25
35.8%
Q1 25
32.5%
1.0%
Q4 24
33.1%
Q3 24
36.9%
Q2 24
32.1%
Q1 24
32.5%
EPS (diluted)
FNLC
FNLC
XFOR
XFOR
Q4 25
$0.91
Q3 25
$0.81
Q2 25
$0.72
Q1 25
$0.63
$0.04
Q4 24
$0.66
Q3 24
$0.68
Q2 24
$0.55
Q1 24
$0.54
$-7.77

Balance Sheet & Financial Strength

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

Metric
FNLC
FNLC
XFOR
XFOR
Cash + ST InvestmentsLiquidity on hand
$40.3M
Total DebtLower is stronger
$95.5M
$75.0M
Stockholders' EquityBook value
$283.1M
$22.9M
Total Assets
$3.2B
$130.0M
Debt / EquityLower = less leverage
0.34×
3.27×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
FNLC
FNLC
XFOR
XFOR
Q4 25
Q3 25
Q2 25
Q1 25
$40.3M
Q4 24
Q3 24
Q2 24
Q1 24
$60.5M
Total Debt
FNLC
FNLC
XFOR
XFOR
Q4 25
$95.5M
Q3 25
$95.5M
Q2 25
$95.0M
Q1 25
$70.0M
$75.0M
Q4 24
$95.0M
Q3 24
$95.0M
Q2 24
$70.0M
Q1 24
$70.0M
$55.0M
Stockholders' Equity
FNLC
FNLC
XFOR
XFOR
Q4 25
$283.1M
Q3 25
$274.6M
Q2 25
$265.5M
Q1 25
$259.7M
$22.9M
Q4 24
$252.5M
Q3 24
$256.8M
Q2 24
$244.7M
Q1 24
$242.6M
$1.0M
Total Assets
FNLC
FNLC
XFOR
XFOR
Q4 25
$3.2B
Q3 25
$3.2B
Q2 25
$3.2B
Q1 25
$3.2B
$130.0M
Q4 24
$3.2B
Q3 24
$3.1B
Q2 24
$3.1B
Q1 24
$3.0B
$112.2M
Debt / Equity
FNLC
FNLC
XFOR
XFOR
Q4 25
0.34×
Q3 25
0.35×
Q2 25
0.36×
Q1 25
0.27×
3.27×
Q4 24
0.38×
Q3 24
0.37×
Q2 24
0.29×
Q1 24
0.29×
53.09×

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
XFOR
XFOR
Operating Cash FlowLast quarter
$37.8M
$-12.4M
Free Cash FlowOCF − Capex
$34.6M
FCF MarginFCF / Revenue
133.9%
Capex IntensityCapex / Revenue
12.5%
0.0%
Cash ConversionOCF / Net Profit
3.72×
-43.86×
TTM Free Cash FlowTrailing 4 quarters
$55.3M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
FNLC
FNLC
XFOR
XFOR
Q4 25
$37.8M
Q3 25
$12.9M
Q2 25
$7.4M
Q1 25
$2.2M
$-12.4M
Q4 24
$26.0M
Q3 24
$9.8M
Q2 24
$6.4M
Q1 24
$-1.5M
$-33.6M
Free Cash Flow
FNLC
FNLC
XFOR
XFOR
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
$-33.7M
FCF Margin
FNLC
FNLC
XFOR
XFOR
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
XFOR
XFOR
Q4 25
12.5%
Q3 25
1.2%
Q2 25
0.6%
Q1 25
6.2%
0.0%
Q4 24
6.7%
Q3 24
0.5%
Q2 24
0.3%
Q1 24
1.8%
Cash Conversion
FNLC
FNLC
XFOR
XFOR
Q4 25
3.72×
Q3 25
1.42×
Q2 25
0.91×
Q1 25
0.31×
-43.86×
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.

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