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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and SANDRIDGE ENERGY INC (SD). Click either name above to swap in a different company.
SANDRIDGE ENERGY INC is the larger business by last-quarter revenue ($39.4M vs $21.5M, roughly 1.8× PEOPLES BANCORP OF NORTH CAROLINA INC). SANDRIDGE ENERGY INC runs the higher net margin — 54.9% vs 30.8%, a 24.1% 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 1.1%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $14.4M). Over the past eight quarters, SANDRIDGE ENERGY INC's revenue compounded faster (14.1% 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.
SandRidge Energy, Inc. is a company engaged in hydrocarbon exploration in the Mid-Continent region of the United States. It is organized in Delaware and headquartered in Oklahoma City, Oklahoma.
PEBK vs SD — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $39.4M |
| Net Profit | $6.6M | $21.6M |
| Gross Margin | — | — |
| Operating Margin | 40.7% | 38.5% |
| Net Margin | 30.8% | 54.9% |
| Revenue YoY | 5.6% | 1.1% |
| Net Profit YoY | 86.4% | 23.1% |
| EPS (diluted) | $1.21 | $0.59 |
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 | $39.4M | ||
| Q3 25 | $21.4M | $39.8M | ||
| Q2 25 | $20.7M | $34.5M | ||
| Q1 25 | $20.0M | $42.6M | ||
| Q4 24 | $20.4M | $39.0M | ||
| Q3 24 | $20.5M | $30.1M | ||
| Q2 24 | $20.1M | $26.0M | ||
| Q1 24 | $19.8M | $30.3M |
| Q4 25 | $6.6M | $21.6M | ||
| Q3 25 | $3.7M | $16.0M | ||
| Q2 25 | $5.2M | $19.6M | ||
| Q1 25 | $4.3M | $13.0M | ||
| Q4 24 | $3.6M | $17.6M | ||
| Q3 24 | $4.0M | $25.5M | ||
| Q2 24 | $4.9M | $8.8M | ||
| Q1 24 | $3.9M | $11.1M |
| Q4 25 | 40.7% | 38.5% | ||
| Q3 25 | 22.4% | 37.8% | ||
| Q2 25 | 32.2% | 53.7% | ||
| Q1 25 | 28.2% | 28.6% | ||
| Q4 24 | 22.5% | 25.9% | ||
| Q3 24 | 26.0% | 28.3% | ||
| Q2 24 | 31.3% | 23.9% | ||
| Q1 24 | 23.9% | 27.8% |
| Q4 25 | 30.8% | 54.9% | ||
| Q3 25 | 17.2% | 40.1% | ||
| Q2 25 | 24.9% | 56.6% | ||
| Q1 25 | 21.8% | 30.6% | ||
| Q4 24 | 17.5% | 45.1% | ||
| Q3 24 | 19.3% | 84.8% | ||
| Q2 24 | 24.4% | 33.9% | ||
| Q1 24 | 19.9% | 36.7% |
| Q4 25 | $1.21 | $0.59 | ||
| Q3 25 | $0.67 | $0.43 | ||
| Q2 25 | $0.95 | $0.53 | ||
| Q1 25 | $0.79 | $0.35 | ||
| Q4 24 | $0.65 | $0.46 | ||
| Q3 24 | $0.72 | $0.69 | ||
| Q2 24 | $0.89 | $0.24 | ||
| Q1 24 | $0.72 | $0.30 |
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 | $111.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $510.9M |
| Total Assets | $1.7B | $644.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $111.0M | ||
| Q3 25 | — | $101.2M | ||
| Q2 25 | — | $102.8M | ||
| Q1 25 | — | $99.7M | ||
| Q4 24 | $59.3M | $98.1M | ||
| Q3 24 | $73.2M | $92.7M | ||
| Q2 24 | — | $209.9M | ||
| Q1 24 | — | $207.0M |
| Q4 25 | $157.1M | $510.9M | ||
| Q3 25 | $149.5M | $492.4M | ||
| Q2 25 | $144.0M | $480.2M | ||
| Q1 25 | $138.5M | $464.9M | ||
| Q4 24 | $130.6M | $460.5M | ||
| Q3 24 | $136.3M | $446.8M | ||
| Q2 24 | $124.3M | $424.8M | ||
| Q1 24 | $121.1M | $419.7M |
| Q4 25 | $1.7B | $644.0M | ||
| Q3 25 | $1.7B | $619.0M | ||
| Q2 25 | $1.7B | $602.3M | ||
| Q1 25 | $1.7B | $588.3M | ||
| Q4 24 | $1.7B | $581.5M | ||
| Q3 24 | $1.7B | $565.2M | ||
| Q2 24 | $1.7B | $529.6M | ||
| Q1 24 | $1.7B | $527.4M |
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 | $31.7M |
| Free Cash FlowOCF − Capex | $20.0M | $14.4M |
| FCF MarginFCF / Revenue | 92.7% | 36.6% |
| Capex IntensityCapex / Revenue | 6.6% | 43.8% |
| Cash ConversionOCF / Net Profit | 3.22× | 1.46× |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $41.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $31.7M | ||
| Q3 25 | $4.7M | $25.3M | ||
| Q2 25 | $5.5M | $22.9M | ||
| Q1 25 | $5.9M | $20.3M | ||
| Q4 24 | $20.6M | $26.0M | ||
| Q3 24 | $4.9M | $20.8M | ||
| Q2 24 | $6.7M | $11.4M | ||
| Q1 24 | $3.7M | $15.7M |
| Q4 25 | $20.0M | $14.4M | ||
| Q3 25 | $4.4M | $5.9M | ||
| Q2 25 | $5.4M | $7.3M | ||
| Q1 25 | $5.2M | $13.9M | ||
| Q4 24 | $20.0M | $13.2M | ||
| Q3 24 | $4.7M | $10.8M | ||
| Q2 24 | $6.6M | $9.0M | ||
| Q1 24 | $3.5M | $14.6M |
| Q4 25 | 92.7% | 36.6% | ||
| Q3 25 | 20.4% | 14.9% | ||
| Q2 25 | 25.9% | 21.0% | ||
| Q1 25 | 25.8% | 32.7% | ||
| Q4 24 | 98.0% | 33.8% | ||
| Q3 24 | 22.9% | 36.1% | ||
| Q2 24 | 32.7% | 34.5% | ||
| Q1 24 | 17.9% | 48.1% |
| Q4 25 | 6.6% | 43.8% | ||
| Q3 25 | 1.5% | 48.6% | ||
| Q2 25 | 0.5% | 45.2% | ||
| Q1 25 | 3.8% | 15.0% | ||
| Q4 24 | 2.9% | 32.9% | ||
| Q3 24 | 1.0% | 33.3% | ||
| Q2 24 | 0.4% | 9.4% | ||
| Q1 24 | 0.6% | 3.7% |
| Q4 25 | 3.22× | 1.46× | ||
| Q3 25 | 1.27× | 1.58× | ||
| Q2 25 | 1.06× | 1.17× | ||
| Q1 25 | 1.36× | 1.56× | ||
| Q4 24 | 5.78× | 1.48× | ||
| Q3 24 | 1.24× | 0.82× | ||
| Q2 24 | 1.36× | 1.30× | ||
| Q1 24 | 0.93× | 1.41× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PEBK
Segment breakdown not available.
SD
| Oil Reserves | $19.0M | 48% |
| Natural Gas Reserves | $11.6M | 30% |
| Natural Gas Liquids Reserves | $8.7M | 22% |
