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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and R F INDUSTRIES LTD (RFIL). Click either name above to swap in a different company.
R F INDUSTRIES LTD is the larger business by last-quarter revenue ($22.7M vs $21.5M, roughly 1.1× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs 0.8%, a 30.1% gap on every dollar of revenue. On growth, R F INDUSTRIES LTD posted the faster year-over-year revenue change (22.9% vs 5.6%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $2.0M). Over the past eight quarters, R F INDUSTRIES LTD's revenue compounded faster (29.8% CAGR vs 4.2%).
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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
PEBK vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $22.7M |
| Net Profit | $6.6M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 40.7% | 4.0% |
| Net Margin | 30.8% | 0.8% |
| Revenue YoY | 5.6% | 22.9% |
| Net Profit YoY | 86.4% | 172.7% |
| EPS (diluted) | $1.21 | $0.01 |
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 | $22.7M | ||
| Q3 25 | $21.4M | $19.8M | ||
| Q2 25 | $20.7M | $18.9M | ||
| Q1 25 | $20.0M | $19.2M | ||
| Q4 24 | $20.4M | $18.5M | ||
| Q3 24 | $20.5M | $16.8M | ||
| Q2 24 | $20.1M | $16.1M | ||
| Q1 24 | $19.8M | $13.5M |
| Q4 25 | $6.6M | $173.0K | ||
| Q3 25 | $3.7M | $392.0K | ||
| Q2 25 | $5.2M | $-245.0K | ||
| Q1 25 | $4.3M | $-245.0K | ||
| Q4 24 | $3.6M | $-238.0K | ||
| Q3 24 | $4.0M | $-705.0K | ||
| Q2 24 | $4.9M | $-4.3M | ||
| Q1 24 | $3.9M | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 40.7% | 4.0% | ||
| Q3 25 | 22.4% | 3.6% | ||
| Q2 25 | 32.2% | 0.6% | ||
| Q1 25 | 28.2% | 0.3% | ||
| Q4 24 | 22.5% | 0.5% | ||
| Q3 24 | 26.0% | -2.5% | ||
| Q2 24 | 31.3% | -2.6% | ||
| Q1 24 | 23.9% | -15.5% |
| Q4 25 | 30.8% | 0.8% | ||
| Q3 25 | 17.2% | 2.0% | ||
| Q2 25 | 24.9% | -1.3% | ||
| Q1 25 | 21.8% | -1.3% | ||
| Q4 24 | 17.5% | -1.3% | ||
| Q3 24 | 19.3% | -4.2% | ||
| Q2 24 | 24.4% | -26.7% | ||
| Q1 24 | 19.9% | -10.1% |
| Q4 25 | $1.21 | $0.01 | ||
| Q3 25 | $0.67 | $0.04 | ||
| Q2 25 | $0.95 | $-0.02 | ||
| Q1 25 | $0.79 | $-0.02 | ||
| Q4 24 | $0.65 | $-0.02 | ||
| Q3 24 | $0.72 | $-0.07 | ||
| Q2 24 | $0.89 | $-0.41 | ||
| Q1 24 | $0.72 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $58.1M | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $35.2M |
| Total Assets | $1.7B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $5.1M | ||
| Q3 25 | — | $3.0M | ||
| Q2 25 | — | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | $59.3M | $839.0K | ||
| Q3 24 | $73.2M | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | $157.1M | $35.2M | ||
| Q3 25 | $149.5M | $34.8M | ||
| Q2 25 | $144.0M | $34.2M | ||
| Q1 25 | $138.5M | $34.2M | ||
| Q4 24 | $130.6M | $34.1M | ||
| Q3 24 | $136.3M | $34.1M | ||
| Q2 24 | $124.3M | $34.6M | ||
| Q1 24 | $121.1M | $38.7M |
| Q4 25 | $1.7B | $73.0M | ||
| Q3 25 | $1.7B | $73.2M | ||
| Q2 25 | $1.7B | $72.7M | ||
| Q1 25 | $1.7B | $70.4M | ||
| Q4 24 | $1.7B | $71.0M | ||
| Q3 24 | $1.7B | $71.9M | ||
| Q2 24 | $1.7B | $72.8M | ||
| Q1 24 | $1.7B | $79.1M |
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 | $21.4M | $2.1M |
| Free Cash FlowOCF − Capex | $20.0M | $2.0M |
| FCF MarginFCF / Revenue | 92.7% | 9.0% |
| Capex IntensityCapex / Revenue | 6.6% | 0.3% |
| Cash ConversionOCF / Net Profit | 3.22× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $2.1M | ||
| Q3 25 | $4.7M | $-311.0K | ||
| Q2 25 | $5.5M | $2.2M | ||
| Q1 25 | $5.9M | $601.0K | ||
| Q4 24 | $20.6M | $-244.0K | ||
| Q3 24 | $4.9M | $2.4M | ||
| Q2 24 | $6.7M | $197.0K | ||
| Q1 24 | $3.7M | $840.0K |
| Q4 25 | $20.0M | $2.0M | ||
| Q3 25 | $4.4M | $-419.0K | ||
| Q2 25 | $5.4M | $2.2M | ||
| Q1 25 | $5.2M | $574.0K | ||
| Q4 24 | $20.0M | $-418.0K | ||
| Q3 24 | $4.7M | $2.1M | ||
| Q2 24 | $6.6M | $28.0K | ||
| Q1 24 | $3.5M | $697.0K |
| Q4 25 | 92.7% | 9.0% | ||
| Q3 25 | 20.4% | -2.1% | ||
| Q2 25 | 25.9% | 11.4% | ||
| Q1 25 | 25.8% | 3.0% | ||
| Q4 24 | 98.0% | -2.3% | ||
| Q3 24 | 22.9% | 12.6% | ||
| Q2 24 | 32.7% | 0.2% | ||
| Q1 24 | 17.9% | 5.2% |
| Q4 25 | 6.6% | 0.3% | ||
| Q3 25 | 1.5% | 0.5% | ||
| Q2 25 | 0.5% | 0.2% | ||
| Q1 25 | 3.8% | 0.1% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 1.0% | 1.5% | ||
| Q2 24 | 0.4% | 1.0% | ||
| Q1 24 | 0.6% | 1.1% |
| Q4 25 | 3.22× | 12.13× | ||
| Q3 25 | 1.27× | -0.79× | ||
| 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
PEBK
Segment breakdown not available.
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
