vs
Side-by-side financial comparison of INTERGROUP CORP (INTG) and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK). Click either name above to swap in a different company.
PEOPLES BANCORP OF NORTH CAROLINA INC is the larger business by last-quarter revenue ($21.5M vs $17.3M, roughly 1.2× INTERGROUP CORP). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs 8.8%, a 22.1% gap on every dollar of revenue. On growth, INTERGROUP CORP posted the faster year-over-year revenue change (19.8% vs 5.6%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $-481.0K). Over the past eight quarters, INTERGROUP CORP's revenue compounded faster (7.8% CAGR vs 4.2%).
Intergroup Corp is a diversified holding firm operating two core segments: real estate and hotel operations. It owns, manages and leases commercial and residential properties across the U.S., and runs limited-service hotels for leisure and business travelers.
PEOPLES BANCORP OF NORTH CAROLINA INC is a regional bank holding company headquartered in North Carolina, U.S. It offers a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving local residents, small and medium-sized enterprises, and community organizations across its operating areas in North Carolina.
INTG vs PEBK — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $17.3M | $21.5M |
| Net Profit | $1.5M | $6.6M |
| Gross Margin | — | — |
| Operating Margin | 11.6% | 40.7% |
| Net Margin | 8.8% | 30.8% |
| Revenue YoY | 19.8% | 5.6% |
| Net Profit YoY | 155.6% | 86.4% |
| EPS (diluted) | $0.71 | $1.21 |
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 | $17.3M | $21.5M | ||
| Q3 25 | $17.9M | $21.4M | ||
| Q2 25 | $16.2M | $20.7M | ||
| Q1 25 | $16.8M | $20.0M | ||
| Q4 24 | $14.4M | $20.4M | ||
| Q3 24 | $16.9M | $20.5M | ||
| Q2 24 | $13.4M | $20.1M | ||
| Q1 24 | $14.9M | $19.8M |
| Q4 25 | $1.5M | $6.6M | ||
| Q3 25 | $-535.0K | $3.7M | ||
| Q2 25 | $-2.2M | $5.2M | ||
| Q1 25 | $-578.0K | $4.3M | ||
| Q4 24 | $-2.7M | $3.6M | ||
| Q3 24 | $-398.0K | $4.0M | ||
| Q2 24 | $-4.9M | $4.9M | ||
| Q1 24 | $-3.2M | $3.9M |
| Q4 25 | 11.6% | 40.7% | ||
| Q3 25 | 15.3% | 22.4% | ||
| Q2 25 | 8.1% | 32.2% | ||
| Q1 25 | 14.0% | 28.2% | ||
| Q4 24 | 5.9% | 22.5% | ||
| Q3 24 | 18.5% | 26.0% | ||
| Q2 24 | 3.7% | 31.3% | ||
| Q1 24 | 4.8% | 23.9% |
| Q4 25 | 8.8% | 30.8% | ||
| Q3 25 | -3.0% | 17.2% | ||
| Q2 25 | -13.9% | 24.9% | ||
| Q1 25 | -3.4% | 21.8% | ||
| Q4 24 | -18.9% | 17.5% | ||
| Q3 24 | -2.4% | 19.3% | ||
| Q2 24 | -36.7% | 24.4% | ||
| Q1 24 | -21.3% | 19.9% |
| Q4 25 | $0.71 | $1.21 | ||
| Q3 25 | $-0.25 | $0.67 | ||
| Q2 25 | — | $0.95 | ||
| Q1 25 | $-0.27 | $0.79 | ||
| Q4 24 | $-1.26 | $0.65 | ||
| Q3 24 | $-0.18 | $0.72 | ||
| Q2 24 | — | $0.89 | ||
| Q1 24 | $-1.44 | $0.72 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $7.5M | $58.1M |
| Total DebtLower is stronger | $233.2M | — |
| Stockholders' EquityBook value | $-85.2M | $157.1M |
| Total Assets | $101.1M | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $7.5M | $58.1M | ||
| Q3 25 | $6.0M | — | ||
| Q2 25 | $6.1M | — | ||
| Q1 25 | $4.8M | — | ||
| Q4 24 | $15.4M | $59.3M | ||
| Q3 24 | $12.2M | $73.2M | ||
| Q2 24 | $11.6M | — | ||
| Q1 24 | $19.5M | — |
| Q4 25 | $233.2M | — | ||
| Q3 25 | $237.8M | — | ||
| Q2 25 | $240.5M | — | ||
| Q1 25 | $241.5M | — | ||
| Q4 24 | $227.2M | — | ||
| Q3 24 | $218.1M | — | ||
| Q2 24 | $225.7M | — | ||
| Q1 24 | $225.0M | — |
| Q4 25 | $-85.2M | $157.1M | ||
| Q3 25 | $-86.7M | $149.5M | ||
| Q2 25 | $-86.1M | $144.0M | ||
| Q1 25 | $-84.5M | $138.5M | ||
| Q4 24 | $-83.9M | $130.6M | ||
| Q3 24 | $-80.9M | $136.3M | ||
| Q2 24 | $-80.3M | $124.3M | ||
| Q1 24 | $-76.4M | $121.1M |
| Q4 25 | $101.1M | $1.7B | ||
| Q3 25 | $102.5M | $1.7B | ||
| Q2 25 | $104.1M | $1.7B | ||
| Q1 25 | $103.2M | $1.7B | ||
| Q4 24 | $110.6M | $1.7B | ||
| Q3 24 | $109.3M | $1.7B | ||
| Q2 24 | $107.8M | $1.7B | ||
| Q1 24 | $119.0M | $1.7B |
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 | $-23.0K | $21.4M |
| Free Cash FlowOCF − Capex | $-481.0K | $20.0M |
| FCF MarginFCF / Revenue | -2.8% | 92.7% |
| Capex IntensityCapex / Revenue | 2.6% | 6.6% |
| Cash ConversionOCF / Net Profit | -0.02× | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | $739.0K | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-23.0K | $21.4M | ||
| Q3 25 | $-296.0K | $4.7M | ||
| Q2 25 | $5.9M | $5.5M | ||
| Q1 25 | $-854.0K | $5.9M | ||
| Q4 24 | $-781.0K | $20.6M | ||
| Q3 24 | $3.4M | $4.9M | ||
| Q2 24 | $6.8M | $6.7M | ||
| Q1 24 | $1.9M | $3.7M |
| Q4 25 | $-481.0K | $20.0M | ||
| Q3 25 | $-1.3M | $4.4M | ||
| Q2 25 | $3.6M | $5.4M | ||
| Q1 25 | $-1.2M | $5.2M | ||
| Q4 24 | $-1.1M | $20.0M | ||
| Q3 24 | $3.1M | $4.7M | ||
| Q2 24 | $2.7M | $6.6M | ||
| Q1 24 | $1.1M | $3.5M |
| Q4 25 | -2.8% | 92.7% | ||
| Q3 25 | -7.1% | 20.4% | ||
| Q2 25 | 22.5% | 25.9% | ||
| Q1 25 | -6.8% | 25.8% | ||
| Q4 24 | -7.8% | 98.0% | ||
| Q3 24 | 18.3% | 22.9% | ||
| Q2 24 | 20.4% | 32.7% | ||
| Q1 24 | 7.6% | 17.9% |
| Q4 25 | 2.6% | 6.6% | ||
| Q3 25 | 5.4% | 1.5% | ||
| Q2 25 | 13.9% | 0.5% | ||
| Q1 25 | 1.8% | 3.8% | ||
| Q4 24 | 2.4% | 2.9% | ||
| Q3 24 | 1.6% | 1.0% | ||
| Q2 24 | 30.4% | 0.4% | ||
| Q1 24 | 4.9% | 0.6% |
| Q4 25 | -0.02× | 3.22× | ||
| Q3 25 | — | 1.27× | ||
| Q2 25 | — | 1.06× | ||
| Q1 25 | — | 1.36× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
INTG
| Hotel Operations | $12.7M | 73% |
| Real Estate Operation | $4.6M | 27% |
PEBK
Segment breakdown not available.
