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Side-by-side financial comparison of First Bancorp, Inc (FNLC) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
First Bancorp, Inc is the larger business by last-quarter revenue ($25.8M vs $18.6M, roughly 1.4× Zeo Energy Corp.). First Bancorp, Inc runs the higher net margin — 39.4% vs -10.8%, a 50.2% gap on every dollar of revenue. On growth, First Bancorp, Inc posted the faster year-over-year revenue change (17.5% vs -0.4%). First Bancorp, Inc produced more free cash flow last quarter ($34.6M vs $2.3M). Over the past eight quarters, First Bancorp, Inc's revenue compounded faster (18.1% CAGR vs -4.0%).
Patriot Bank, N.A. (PNBK) is the bank holding company for Stamford, Connecticut-based Patriot Bank NA, and is traded on NASDAQ as PNBK.
FNLC vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.8M | $18.6M |
| Net Profit | $10.2M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 48.1% | -11.8% |
| Net Margin | 39.4% | -10.8% |
| Revenue YoY | 17.5% | -0.4% |
| Net Profit YoY | 39.7% | -360.9% |
| 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.
| Q4 25 | $25.8M | $18.6M | ||
| Q3 25 | $24.5M | $23.9M | ||
| Q2 25 | $22.5M | $18.1M | ||
| Q1 25 | $21.8M | $8.8M | ||
| Q4 24 | $22.0M | $18.6M | ||
| Q3 24 | $20.5M | $19.7M | ||
| Q2 24 | $19.2M | $14.8M | ||
| Q1 24 | $18.5M | $20.1M |
| Q4 25 | $10.2M | $-2.0M | ||
| Q3 25 | $9.1M | $-3.2M | ||
| Q2 25 | $8.1M | $-2.4M | ||
| Q1 25 | $7.1M | $-6.4M | ||
| Q4 24 | $7.3M | $-435.3K | ||
| Q3 24 | $7.6M | $-424.3K | ||
| Q2 24 | $6.2M | $-277.8K | ||
| Q1 24 | $6.0M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 48.1% | -11.8% | ||
| Q3 25 | 45.2% | -8.3% | ||
| Q2 25 | 43.7% | -15.8% | ||
| Q1 25 | 39.3% | -153.8% | ||
| Q4 24 | 39.5% | -6.0% | ||
| Q3 24 | 44.6% | -15.2% | ||
| Q2 24 | 38.8% | -18.0% | ||
| Q1 24 | 39.3% | -20.1% |
| Q4 25 | 39.4% | -10.8% | ||
| Q3 25 | 37.0% | -13.5% | ||
| Q2 25 | 35.8% | -13.3% | ||
| Q1 25 | 32.5% | -72.4% | ||
| Q4 24 | 33.1% | -2.3% | ||
| Q3 24 | 36.9% | -2.2% | ||
| Q2 24 | 32.1% | -1.9% | ||
| Q1 24 | 32.5% | -7.6% |
| Q4 25 | $0.91 | — | ||
| Q3 25 | $0.81 | — | ||
| Q2 25 | $0.72 | — | ||
| Q1 25 | $0.63 | $-0.48 | ||
| Q4 24 | $0.66 | $1.11 | ||
| Q3 24 | $0.68 | $-0.08 | ||
| Q2 24 | $0.55 | $0.03 | ||
| Q1 24 | $0.54 | $-1.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $6.1M |
| Total DebtLower is stronger | $95.5M | $79.1K |
| Stockholders' EquityBook value | $283.1M | $5.3M |
| Total Assets | $3.2B | $56.9M |
| Debt / EquityLower = less leverage | 0.34× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $6.1M | ||
| Q3 25 | — | $3.9M | ||
| Q2 25 | — | $68.7K | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $5.3M | ||
| Q1 24 | — | — |
| Q4 25 | $95.5M | $79.1K | ||
| Q3 25 | $95.5M | $84.6K | ||
| Q2 25 | $95.0M | $642.8K | ||
| Q1 25 | $70.0M | $715.4K | ||
| Q4 24 | $95.0M | $787.7K | ||
| Q3 24 | $95.0M | $858.6K | ||
| Q2 24 | $70.0M | $1.6M | ||
| Q1 24 | $70.0M | $748.8K |
| Q4 25 | $283.1M | $5.3M | ||
| Q3 25 | $274.6M | $-1.7M | ||
| Q2 25 | $265.5M | $-59.4M | ||
| Q1 25 | $259.7M | $-23.1M | ||
| Q4 24 | $252.5M | $-88.9M | ||
| Q3 24 | $256.8M | $-39.3M | ||
| Q2 24 | $244.7M | $-53.0M | ||
| Q1 24 | $242.6M | $-173.0M |
| Q4 25 | $3.2B | $56.9M | ||
| Q3 25 | $3.2B | $58.5M | ||
| Q2 25 | $3.2B | $46.2M | ||
| Q1 25 | $3.2B | $47.4M | ||
| Q4 24 | $3.2B | $61.0M | ||
| Q3 24 | $3.1B | $47.1M | ||
| Q2 24 | $3.1B | $49.1M | ||
| Q1 24 | $3.0B | $50.1M |
| Q4 25 | 0.34× | 0.01× | ||
| 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 | $2.4M |
| Free Cash FlowOCF − Capex | $34.6M | $2.3M |
| FCF MarginFCF / Revenue | 133.9% | 12.2% |
| Capex IntensityCapex / Revenue | 12.5% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.72× | — |
| TTM Free Cash FlowTrailing 4 quarters | $55.3M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.8M | $2.4M | ||
| Q3 25 | $12.9M | $-6.6M | ||
| Q2 25 | $7.4M | $-2.3M | ||
| Q1 25 | $2.2M | $-2.3M | ||
| Q4 24 | $26.0M | $3.5M | ||
| Q3 24 | $9.8M | $162.2K | ||
| Q2 24 | $6.4M | $-2.2M | ||
| Q1 24 | $-1.5M | $-10.2M |
| Q4 25 | $34.6M | $2.3M | ||
| Q3 25 | $12.6M | $-6.8M | ||
| Q2 25 | $7.2M | $-2.7M | ||
| Q1 25 | $828.0K | $-2.6M | ||
| Q4 24 | $24.6M | $3.4M | ||
| Q3 24 | $9.6M | $116.5K | ||
| Q2 24 | $6.3M | $-2.3M | ||
| Q1 24 | $-1.8M | $-10.4M |
| Q4 25 | 133.9% | 12.2% | ||
| Q3 25 | 51.4% | -28.6% | ||
| Q2 25 | 32.1% | -15.0% | ||
| Q1 25 | 3.8% | -30.0% | ||
| Q4 24 | 111.7% | 18.2% | ||
| Q3 24 | 47.0% | 0.6% | ||
| Q2 24 | 32.9% | -15.6% | ||
| Q1 24 | -9.8% | -51.5% |
| Q4 25 | 12.5% | 0.9% | ||
| Q3 25 | 1.2% | 1.0% | ||
| Q2 25 | 0.6% | 2.4% | ||
| Q1 25 | 6.2% | 4.2% | ||
| Q4 24 | 6.7% | 0.5% | ||
| Q3 24 | 0.5% | 0.2% | ||
| Q2 24 | 0.3% | 0.7% | ||
| Q1 24 | 1.8% | 1.1% |
| 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.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
