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Side-by-side financial comparison of La Rosa Holdings Corp. (LRHC) 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 $20.2M, roughly 1.1× La Rosa Holdings Corp.). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -27.4%, a 58.2% gap on every dollar of revenue. On growth, PEOPLES BANCORP OF NORTH CAROLINA INC posted the faster year-over-year revenue change (5.6% vs 3.2%). Over the past eight quarters, La Rosa Holdings Corp.'s revenue compounded faster (72.5% CAGR vs 4.2%).
V. La Rosa and Sons Macaroni Company was founded in 1914 by Vincenzo La Rosa, a Sicilian immigrant. The company eventually became one of the largest regional brands in the United States producing over 40 varieties of pasta.
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.
LRHC vs PEBK — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $20.2M | $21.5M |
| Net Profit | $-5.5M | $6.6M |
| Gross Margin | 8.4% | — |
| Operating Margin | -24.7% | 40.7% |
| Net Margin | -27.4% | 30.8% |
| Revenue YoY | 3.2% | 5.6% |
| Net Profit YoY | -125.7% | 86.4% |
| EPS (diluted) | $-5.44 | $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 | — | $21.5M | ||
| Q3 25 | $20.2M | $21.4M | ||
| Q2 25 | $23.2M | $20.7M | ||
| Q1 25 | $17.5M | $20.0M | ||
| Q4 24 | $17.7M | $20.4M | ||
| Q3 24 | $19.6M | $20.5M | ||
| Q2 24 | $19.1M | $20.1M | ||
| Q1 24 | $13.1M | $19.8M |
| Q4 25 | — | $6.6M | ||
| Q3 25 | $-5.5M | $3.7M | ||
| Q2 25 | $78.4M | $5.2M | ||
| Q1 25 | $-95.7M | $4.3M | ||
| Q4 24 | $-5.1M | $3.6M | ||
| Q3 24 | $-2.5M | $4.0M | ||
| Q2 24 | $-2.3M | $4.9M | ||
| Q1 24 | $-4.6M | $3.9M |
| Q4 25 | — | — | ||
| Q3 25 | 8.4% | — | ||
| Q2 25 | 8.0% | — | ||
| Q1 25 | 8.8% | — | ||
| Q4 24 | 8.9% | — | ||
| Q3 24 | 8.3% | — | ||
| Q2 24 | 8.3% | — | ||
| Q1 24 | 8.9% | — |
| Q4 25 | — | 40.7% | ||
| Q3 25 | -24.7% | 22.4% | ||
| Q2 25 | -10.6% | 32.2% | ||
| Q1 25 | -26.7% | 28.2% | ||
| Q4 24 | -17.1% | 22.5% | ||
| Q3 24 | -8.9% | 26.0% | ||
| Q2 24 | -9.7% | 31.3% | ||
| Q1 24 | -35.0% | 23.9% |
| Q4 25 | — | 30.8% | ||
| Q3 25 | -27.4% | 17.2% | ||
| Q2 25 | 337.8% | 24.9% | ||
| Q1 25 | -546.5% | 21.8% | ||
| Q4 24 | -28.7% | 17.5% | ||
| Q3 24 | -12.5% | 19.3% | ||
| Q2 24 | -12.2% | 24.4% | ||
| Q1 24 | -35.1% | 19.9% |
| Q4 25 | — | $1.21 | ||
| Q3 25 | $-5.44 | $0.67 | ||
| Q2 25 | $15.25 | $0.95 | ||
| Q1 25 | $-5.86 | $0.79 | ||
| Q4 24 | $28.54 | $0.65 | ||
| Q3 24 | $-16.49 | $0.72 | ||
| Q2 24 | $-12.49 | $0.89 | ||
| Q1 24 | $-0.35 | $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 | $4.0M | $58.1M |
| Total DebtLower is stronger | $642.8K | — |
| Stockholders' EquityBook value | $1.6M | $157.1M |
| Total Assets | $21.7M | $1.7B |
| Debt / EquityLower = less leverage | 0.41× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $58.1M | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $1.4M | $59.3M | ||
| Q3 24 | $1.8M | $73.2M | ||
| Q2 24 | $1.6M | — | ||
| Q1 24 | $1.1M | — |
| Q4 25 | — | — | ||
| Q3 25 | $642.8K | — | ||
| Q2 25 | $644.3K | — | ||
| Q1 25 | $645.9K | — | ||
| Q4 24 | $647.6K | — | ||
| Q3 24 | $649.2K | — | ||
| Q2 24 | $650.8K | — | ||
| Q1 24 | $652.4K | — |
| Q4 25 | — | $157.1M | ||
| Q3 25 | $1.6M | $149.5M | ||
| Q2 25 | $3.4M | $144.0M | ||
| Q1 25 | $-87.5M | $138.5M | ||
| Q4 24 | $2.6M | $130.6M | ||
| Q3 24 | $5.0M | $136.3M | ||
| Q2 24 | $4.7M | $124.3M | ||
| Q1 24 | $5.6M | $121.1M |
| Q4 25 | — | $1.7B | ||
| Q3 25 | $21.7M | $1.7B | ||
| Q2 25 | $22.9M | $1.7B | ||
| Q1 25 | $21.0M | $1.7B | ||
| Q4 24 | $19.4M | $1.7B | ||
| Q3 24 | $19.7M | $1.7B | ||
| Q2 24 | $18.7M | $1.7B | ||
| Q1 24 | $16.3M | $1.7B |
| Q4 25 | — | — | ||
| Q3 25 | 0.41× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | 0.13× | — | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 0.12× | — |
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 | $-1.3M | $21.4M |
| Free Cash FlowOCF − Capex | — | $20.0M |
| FCF MarginFCF / Revenue | — | 92.7% |
| Capex IntensityCapex / Revenue | — | 6.6% |
| Cash ConversionOCF / Net Profit | — | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.4M | ||
| Q3 25 | $-1.3M | $4.7M | ||
| Q2 25 | $-1.4M | $5.5M | ||
| Q1 25 | $-3.5M | $5.9M | ||
| Q4 24 | $-1.1M | $20.6M | ||
| Q3 24 | $-591.6K | $4.9M | ||
| Q2 24 | $-803.1K | $6.7M | ||
| Q1 24 | $-538.3K | $3.7M |
| Q4 25 | — | $20.0M | ||
| Q3 25 | — | $4.4M | ||
| Q2 25 | — | $5.4M | ||
| Q1 25 | — | $5.2M | ||
| Q4 24 | — | $20.0M | ||
| Q3 24 | — | $4.7M | ||
| Q2 24 | — | $6.6M | ||
| Q1 24 | — | $3.5M |
| Q4 25 | — | 92.7% | ||
| Q3 25 | — | 20.4% | ||
| Q2 25 | — | 25.9% | ||
| Q1 25 | — | 25.8% | ||
| Q4 24 | — | 98.0% | ||
| Q3 24 | — | 22.9% | ||
| Q2 24 | — | 32.7% | ||
| Q1 24 | — | 17.9% |
| Q4 25 | — | 6.6% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 3.22× | ||
| Q3 25 | — | 1.27× | ||
| Q2 25 | -0.02× | 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
LRHC
| Real Estate Residential Brokerage Services | $16.8M | 83% |
| Transferred Over Time | $3.5M | 17% |
PEBK
Segment breakdown not available.
