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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and Snail, Inc. (SNAL). Click either name above to swap in a different company.
Snail, Inc. is the larger business by last-quarter revenue ($25.1M vs $21.5M, roughly 1.2× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -3.4%, a 34.3% 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 -4.2%). Over the past eight quarters, Snail, Inc.'s revenue compounded faster (33.4% 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.
Suzhou Snail Digital Technology Co., Ltd., doing business as Snail, is a Chinese video game company and a Virtual Network Operator headquartered in Suzhou, China, which has branches Snail Games and Snail Mobile. Its division, Snail USA, markets Snail Games products in North America, South America, & Europe. Snail Games products include massively multiplayer online (MMOs), real-time strategy (RTS), and casual games. Its global registered user base has reached over 70 million accounts. The U.S....
PEBK vs SNAL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $25.1M |
| Net Profit | $6.6M | $-862.2K |
| Gross Margin | — | 38.3% |
| Operating Margin | 40.7% | -6.0% |
| Net Margin | 30.8% | -3.4% |
| Revenue YoY | 5.6% | -4.2% |
| Net Profit YoY | 86.4% | -177.0% |
| EPS (diluted) | $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 | $25.1M | ||
| Q3 25 | $21.4M | $13.8M | ||
| Q2 25 | $20.7M | $22.2M | ||
| Q1 25 | $20.0M | $20.1M | ||
| Q4 24 | $20.4M | $26.2M | ||
| Q3 24 | $20.5M | $22.5M | ||
| Q2 24 | $20.1M | $21.6M | ||
| Q1 24 | $19.8M | $14.1M |
| Q4 25 | $6.6M | $-862.2K | ||
| Q3 25 | $3.7M | $-7.9M | ||
| Q2 25 | $5.2M | $-16.6M | ||
| Q1 25 | $4.3M | $-1.9M | ||
| Q4 24 | $3.6M | $1.1M | ||
| Q3 24 | $4.0M | $235.1K | ||
| Q2 24 | $4.9M | $2.3M | ||
| Q1 24 | $3.9M | $-1.8M |
| Q4 25 | — | 38.3% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 29.1% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 38.6% | ||
| Q2 24 | — | 37.5% | ||
| Q1 24 | — | 14.7% |
| Q4 25 | 40.7% | -6.0% | ||
| Q3 25 | 22.4% | -71.3% | ||
| Q2 25 | 32.2% | -8.2% | ||
| Q1 25 | 28.2% | -20.4% | ||
| Q4 24 | 22.5% | 11.5% | ||
| Q3 24 | 26.0% | 1.8% | ||
| Q2 24 | 31.3% | 12.4% | ||
| Q1 24 | 23.9% | -15.6% |
| Q4 25 | 30.8% | -3.4% | ||
| Q3 25 | 17.2% | -56.9% | ||
| Q2 25 | 24.9% | -74.7% | ||
| Q1 25 | 21.8% | -9.7% | ||
| Q4 24 | 17.5% | 4.3% | ||
| Q3 24 | 19.3% | 1.0% | ||
| Q2 24 | 24.4% | 10.4% | ||
| Q1 24 | 19.9% | -12.6% |
| Q4 25 | $1.21 | — | ||
| Q3 25 | $0.67 | — | ||
| Q2 25 | $0.95 | $-0.44 | ||
| Q1 25 | $0.79 | $-0.06 | ||
| Q4 24 | $0.65 | $0.03 | ||
| Q3 24 | $0.72 | $0.01 | ||
| Q2 24 | $0.89 | $0.06 | ||
| Q1 24 | $0.72 | $-0.05 |
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 | $8.6M |
| Total DebtLower is stronger | — | $14.6M |
| Stockholders' EquityBook value | $157.1M | $-16.4M |
| Total Assets | $1.7B | $59.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $8.6M | ||
| Q3 25 | — | $12.3M | ||
| Q2 25 | — | $7.9M | ||
| Q1 25 | — | $9.4M | ||
| Q4 24 | $59.3M | $7.3M | ||
| Q3 24 | $73.2M | $10.6M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $16.1M |
| Q4 25 | — | $14.6M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $11.8M | ||
| Q1 25 | — | $9.0M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $5.7M | ||
| Q2 24 | — | $5.8M | ||
| Q1 24 | — | $6.5M |
| Q4 25 | $157.1M | $-16.4M | ||
| Q3 25 | $149.5M | $-15.6M | ||
| Q2 25 | $144.0M | $-8.0M | ||
| Q1 25 | $138.5M | $9.1M | ||
| Q4 24 | $130.6M | $9.7M | ||
| Q3 24 | $136.3M | $8.2M | ||
| Q2 24 | $124.3M | $7.9M | ||
| Q1 24 | $121.1M | $5.6M |
| Q4 25 | $1.7B | $59.3M | ||
| Q3 25 | $1.7B | $51.1M | ||
| Q2 25 | $1.7B | $58.0M | ||
| Q1 25 | $1.7B | $64.5M | ||
| Q4 24 | $1.7B | $62.2M | ||
| Q3 24 | $1.7B | $66.8M | ||
| Q2 24 | $1.7B | $75.4M | ||
| Q1 24 | $1.7B | $78.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.99× | ||
| Q4 24 | — | 0.59× | ||
| Q3 24 | — | 0.70× | ||
| Q2 24 | — | 0.73× | ||
| Q1 24 | — | 1.16× |
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 | $-5.3M |
| 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 | $-5.3M | ||
| Q3 25 | $4.7M | $6.6M | ||
| Q2 25 | $5.5M | $-3.2M | ||
| Q1 25 | $5.9M | $764.5K | ||
| Q4 24 | $20.6M | $-3.6M | ||
| Q3 24 | $4.9M | $-5.0M | ||
| Q2 24 | $6.7M | $206.6K | ||
| Q1 24 | $3.7M | $6.8M |
| 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 | 1.06× | — | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 5.78× | -3.21× | ||
| Q3 24 | 1.24× | -21.05× | ||
| Q2 24 | 1.36× | 0.09× | ||
| 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.
SNAL
| Pc | $14.7M | 59% |
| Platform Three | $5.2M | 21% |
| Platform Two | $3.3M | 13% |
| Sales Channel Directly To Consumer Mobile Sale | $1.6M | 6% |
