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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and ROCKWELL MEDICAL, INC. (RMTI). 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 $18.3M, roughly 1.2× ROCKWELL MEDICAL, INC.). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -3.0%, a 33.8% 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 -25.6%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $2.2M). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs -10.1%).
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.
Rockwell Medical Inc. is a publicly traded pharmaceutical company based in Wixom, Michigan and founded in 1996 that focuses on development and commercialization of treatments against diseases such as end-stage renal disease (ESRD) and chronic kidney disease (CKD).
PEBK vs RMTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $18.3M |
| Net Profit | $6.6M | $-554.0K |
| Gross Margin | — | 21.1% |
| Operating Margin | 40.7% | -2.2% |
| Net Margin | 30.8% | -3.0% |
| Revenue YoY | 5.6% | -25.6% |
| Net Profit YoY | 86.4% | 26.7% |
| 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 | $18.3M | ||
| Q3 25 | $21.4M | $15.9M | ||
| Q2 25 | $20.7M | $16.1M | ||
| Q1 25 | $20.0M | $18.9M | ||
| Q4 24 | $20.4M | $24.7M | ||
| Q3 24 | $20.5M | $28.3M | ||
| Q2 24 | $20.1M | $25.8M | ||
| Q1 24 | $19.8M | $22.7M |
| Q4 25 | $6.6M | $-554.0K | ||
| Q3 25 | $3.7M | $-1.8M | ||
| Q2 25 | $5.2M | $-1.5M | ||
| Q1 25 | $4.3M | $-1.5M | ||
| Q4 24 | $3.6M | $-756.0K | ||
| Q3 24 | $4.0M | $1.7M | ||
| Q2 24 | $4.9M | $343.0K | ||
| Q1 24 | $3.9M | $-1.7M |
| Q4 25 | — | 21.1% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 15.6% | ||
| Q1 25 | — | 16.1% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 22.0% | ||
| Q2 24 | — | 17.6% | ||
| Q1 24 | — | 13.5% |
| Q4 25 | 40.7% | -2.2% | ||
| Q3 25 | 22.4% | -9.9% | ||
| Q2 25 | 32.2% | -8.4% | ||
| Q1 25 | 28.2% | -7.2% | ||
| Q4 24 | 22.5% | -2.1% | ||
| Q3 24 | 26.0% | 6.8% | ||
| Q2 24 | 31.3% | 2.0% | ||
| Q1 24 | 23.9% | -5.8% |
| Q4 25 | 30.8% | -3.0% | ||
| Q3 25 | 17.2% | -11.0% | ||
| Q2 25 | 24.9% | -9.3% | ||
| Q1 25 | 21.8% | -8.0% | ||
| Q4 24 | 17.5% | -3.1% | ||
| Q3 24 | 19.3% | 5.9% | ||
| Q2 24 | 24.4% | 1.3% | ||
| Q1 24 | 19.9% | -7.6% |
| Q4 25 | $1.21 | $-0.01 | ||
| Q3 25 | $0.67 | $-0.05 | ||
| Q2 25 | $0.95 | $-0.05 | ||
| Q1 25 | $0.79 | $-0.04 | ||
| Q4 24 | $0.65 | $-0.02 | ||
| Q3 24 | $0.72 | $0.04 | ||
| Q2 24 | $0.89 | $0.01 | ||
| Q1 24 | $0.72 | $-0.06 |
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 | $10.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $37.0M |
| Total Assets | $1.7B | $57.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $10.7M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $12.5M | ||
| Q1 25 | — | $11.4M | ||
| Q4 24 | $59.3M | $15.7M | ||
| Q3 24 | $73.2M | $12.3M | ||
| Q2 24 | — | $11.9M | ||
| Q1 24 | — | $6.6M |
| Q4 25 | $157.1M | $37.0M | ||
| Q3 25 | $149.5M | $37.0M | ||
| Q2 25 | $144.0M | $30.4M | ||
| Q1 25 | $138.5M | $31.5M | ||
| Q4 24 | $130.6M | $32.6M | ||
| Q3 24 | $136.3M | $29.1M | ||
| Q2 24 | $124.3M | $23.5M | ||
| Q1 24 | $121.1M | $20.6M |
| Q4 25 | $1.7B | $57.1M | ||
| Q3 25 | $1.7B | $57.5M | ||
| Q2 25 | $1.7B | $52.6M | ||
| Q1 25 | $1.7B | $54.0M | ||
| Q4 24 | $1.7B | $59.2M | ||
| Q3 24 | $1.7B | $57.1M | ||
| Q2 24 | $1.7B | $53.0M | ||
| Q1 24 | $1.7B | $50.7M |
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 | $2.3M |
| Free Cash FlowOCF − Capex | $20.0M | $2.2M |
| FCF MarginFCF / Revenue | 92.7% | 12.0% |
| Capex IntensityCapex / Revenue | 6.6% | 0.5% |
| Cash ConversionOCF / Net Profit | 3.22× | — |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $-1.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $2.3M | ||
| Q3 25 | $4.7M | $-1.3M | ||
| Q2 25 | $5.5M | $1.8M | ||
| Q1 25 | $5.9M | $-3.5M | ||
| Q4 24 | $20.6M | $865.0K | ||
| Q3 24 | $4.9M | $4.3M | ||
| Q2 24 | $6.7M | $1.4M | ||
| Q1 24 | $3.7M | $-2.4M |
| Q4 25 | $20.0M | $2.2M | ||
| Q3 25 | $4.4M | $-1.5M | ||
| Q2 25 | $5.4M | $1.7M | ||
| Q1 25 | $5.2M | $-3.5M | ||
| Q4 24 | $20.0M | $470.0K | ||
| Q3 24 | $4.7M | $4.1M | ||
| Q2 24 | $6.6M | $1.2M | ||
| Q1 24 | $3.5M | $-2.5M |
| Q4 25 | 92.7% | 12.0% | ||
| Q3 25 | 20.4% | -9.6% | ||
| Q2 25 | 25.9% | 10.5% | ||
| Q1 25 | 25.8% | -18.8% | ||
| Q4 24 | 98.0% | 1.9% | ||
| Q3 24 | 22.9% | 14.4% | ||
| Q2 24 | 32.7% | 4.5% | ||
| Q1 24 | 17.9% | -11.1% |
| Q4 25 | 6.6% | 0.5% | ||
| Q3 25 | 1.5% | 1.4% | ||
| Q2 25 | 0.5% | 1.0% | ||
| Q1 25 | 3.8% | 0.3% | ||
| Q4 24 | 2.9% | 1.6% | ||
| Q3 24 | 1.0% | 0.7% | ||
| Q2 24 | 0.4% | 1.1% | ||
| Q1 24 | 0.6% | 0.6% |
| Q4 25 | 3.22× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 1.24× | 2.57× | ||
| Q2 24 | 1.36× | 4.20× | ||
| 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.
RMTI
| US | $15.9M | 87% |
| Non Us | $2.4M | 13% |
