vs
Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and SOLESENCE, INC. (SLSN). 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 $12.5M, roughly 1.7× SOLESENCE, INC.). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs 1.3%, a 29.5% 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 -0.7%). Over the past eight quarters, SOLESENCE, INC.'s revenue compounded faster (12.5% 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.
PEBK vs SLSN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $12.5M |
| Net Profit | $6.6M | $163.0K |
| Gross Margin | — | 27.5% |
| Operating Margin | 40.7% | 1.5% |
| Net Margin | 30.8% | 1.3% |
| Revenue YoY | 5.6% | -0.7% |
| Net Profit YoY | 86.4% | 129.2% |
| EPS (diluted) | $1.21 | $0.00 |
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 | $12.5M | ||
| Q3 25 | $21.4M | $14.6M | ||
| Q2 25 | $20.7M | $20.4M | ||
| Q1 25 | $20.0M | $14.6M | ||
| Q4 24 | $20.4M | $12.6M | ||
| Q3 24 | $20.5M | $16.9M | ||
| Q2 24 | $20.1M | $13.0M | ||
| Q1 24 | $19.8M | $9.9M |
| Q4 25 | $6.6M | $163.0K | ||
| Q3 25 | $3.7M | $-1.1M | ||
| Q2 25 | $5.2M | $2.7M | ||
| Q1 25 | $4.3M | $80.0K | ||
| Q4 24 | $3.6M | $-559.0K | ||
| Q3 24 | $4.0M | $3.0M | ||
| Q2 24 | $4.9M | $856.0K | ||
| Q1 24 | $3.9M | $893.0K |
| Q4 25 | — | 27.5% | ||
| Q3 25 | — | 23.1% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 23.1% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 36.2% | ||
| Q2 24 | — | 28.7% | ||
| Q1 24 | — | 36.3% |
| Q4 25 | 40.7% | 1.5% | ||
| Q3 25 | 22.4% | -5.4% | ||
| Q2 25 | 32.2% | 9.4% | ||
| Q1 25 | 28.2% | 1.8% | ||
| Q4 24 | 22.5% | -1.8% | ||
| Q3 24 | 26.0% | 19.0% | ||
| Q2 24 | 31.3% | 8.0% | ||
| Q1 24 | 23.9% | 11.3% |
| Q4 25 | 30.8% | 1.3% | ||
| Q3 25 | 17.2% | -7.7% | ||
| Q2 25 | 24.9% | 13.1% | ||
| Q1 25 | 21.8% | 0.5% | ||
| Q4 24 | 17.5% | -4.4% | ||
| Q3 24 | 19.3% | 18.1% | ||
| Q2 24 | 24.4% | 6.6% | ||
| Q1 24 | 19.9% | 9.0% |
| Q4 25 | $1.21 | $0.00 | ||
| Q3 25 | $0.67 | $-0.02 | ||
| Q2 25 | $0.95 | $0.04 | ||
| Q1 25 | $0.79 | $0.00 | ||
| Q4 24 | $0.65 | $0.00 | ||
| Q3 24 | $0.72 | $0.04 | ||
| Q2 24 | $0.89 | $0.01 | ||
| Q1 24 | $0.72 | $0.02 |
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 | $1.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $17.6M |
| Total Assets | $1.7B | $50.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $1.3M | ||
| Q3 25 | — | $429.0K | ||
| Q2 25 | — | $4.1M | ||
| Q1 25 | — | $1.8M | ||
| Q4 24 | $59.3M | $1.4M | ||
| Q3 24 | $73.2M | $2.9M | ||
| Q2 24 | — | $2.4M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | $157.1M | $17.6M | ||
| Q3 25 | $149.5M | $17.2M | ||
| Q2 25 | $144.0M | $18.2M | ||
| Q1 25 | $138.5M | $15.2M | ||
| Q4 24 | $130.6M | $14.9M | ||
| Q3 24 | $136.3M | $15.2M | ||
| Q2 24 | $124.3M | $11.9M | ||
| Q1 24 | $121.1M | $5.0M |
| Q4 25 | $1.7B | $50.1M | ||
| Q3 25 | $1.7B | $54.0M | ||
| Q2 25 | $1.7B | $60.0M | ||
| Q1 25 | $1.7B | $57.0M | ||
| Q4 24 | $1.7B | $50.0M | ||
| Q3 24 | $1.7B | $48.0M | ||
| Q2 24 | $1.7B | $40.8M | ||
| Q1 24 | $1.7B | $38.5M |
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 | $1.8M |
| Free Cash FlowOCF − Capex | $20.0M | — |
| FCF MarginFCF / Revenue | 92.7% | — |
| Capex IntensityCapex / Revenue | 6.6% | — |
| Cash ConversionOCF / Net Profit | 3.22× | 11.16× |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $1.8M | ||
| Q3 25 | $4.7M | $-2.5M | ||
| Q2 25 | $5.5M | $-654.0K | ||
| Q1 25 | $5.9M | $-7.2M | ||
| Q4 24 | $20.6M | $2.2M | ||
| Q3 24 | $4.9M | $4.2M | ||
| Q2 24 | $6.7M | $-565.0K | ||
| Q1 24 | $3.7M | $-3.9M |
| Q4 25 | $20.0M | — | ||
| Q3 25 | $4.4M | — | ||
| Q2 25 | $5.4M | — | ||
| Q1 25 | $5.2M | — | ||
| Q4 24 | $20.0M | $-404.0K | ||
| Q3 24 | $4.7M | $2.8M | ||
| Q2 24 | $6.6M | $-1.0M | ||
| Q1 24 | $3.5M | $-3.9M |
| Q4 25 | 92.7% | — | ||
| Q3 25 | 20.4% | — | ||
| Q2 25 | 25.9% | — | ||
| Q1 25 | 25.8% | — | ||
| Q4 24 | 98.0% | -3.2% | ||
| Q3 24 | 22.9% | 16.6% | ||
| Q2 24 | 32.7% | -8.0% | ||
| Q1 24 | 17.9% | -39.9% |
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 2.9% | 20.6% | ||
| Q3 24 | 1.0% | 8.3% | ||
| Q2 24 | 0.4% | 3.7% | ||
| Q1 24 | 0.6% | 0.9% |
| Q4 25 | 3.22× | 11.16× | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.06× | -0.25× | ||
| Q1 25 | 1.36× | -90.26× | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 1.24× | 1.38× | ||
| Q2 24 | 1.36× | -0.66× | ||
| Q1 24 | 0.93× | -4.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
