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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and SuperCom Ltd (SPCB). 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 $14.2M, roughly 1.5× SuperCom Ltd). SuperCom Ltd runs the higher net margin — 37.5% vs 30.8%, a 6.7% 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 -1.5%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $-3.6M).
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.
Super.com is a technology company headquartered in San Francisco and co-founded by Hussein Fazal and Henry Shi. The company provides financial services, including reward programs and travel bookings.
PEBK vs SPCB — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $14.2M |
| Net Profit | $6.6M | $5.3M |
| Gross Margin | — | 61.2% |
| Operating Margin | 40.7% | 16.3% |
| Net Margin | 30.8% | 37.5% |
| Revenue YoY | 5.6% | -1.5% |
| Net Profit YoY | 86.4% | 79.5% |
| EPS (diluted) | $1.21 | $1.32 |
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 | — | ||
| Q3 25 | $21.4M | — | ||
| Q2 25 | $20.7M | $14.2M | ||
| Q1 25 | $20.0M | — | ||
| Q4 24 | $20.4M | — | ||
| Q3 24 | $20.5M | — | ||
| Q2 24 | $20.1M | $14.4M | ||
| Q1 24 | $19.8M | — |
| Q4 25 | $6.6M | — | ||
| Q3 25 | $3.7M | — | ||
| Q2 25 | $5.2M | $5.3M | ||
| Q1 25 | $4.3M | — | ||
| Q4 24 | $3.6M | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $4.9M | $3.0M | ||
| Q1 24 | $3.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 40.7% | — | ||
| Q3 25 | 22.4% | — | ||
| Q2 25 | 32.2% | 16.3% | ||
| Q1 25 | 28.2% | — | ||
| Q4 24 | 22.5% | — | ||
| Q3 24 | 26.0% | — | ||
| Q2 24 | 31.3% | 7.7% | ||
| Q1 24 | 23.9% | — |
| Q4 25 | 30.8% | — | ||
| Q3 25 | 17.2% | — | ||
| Q2 25 | 24.9% | 37.5% | ||
| Q1 25 | 21.8% | — | ||
| Q4 24 | 17.5% | — | ||
| Q3 24 | 19.3% | — | ||
| Q2 24 | 24.4% | 20.6% | ||
| Q1 24 | 19.9% | — |
| Q4 25 | $1.21 | — | ||
| Q3 25 | $0.67 | — | ||
| Q2 25 | $0.95 | $1.32 | ||
| Q1 25 | $0.79 | — | ||
| Q4 24 | $0.65 | — | ||
| Q3 24 | $0.72 | — | ||
| Q2 24 | $0.89 | $1.19 | ||
| Q1 24 | $0.72 | — |
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 | $15.0M |
| Total DebtLower is stronger | — | $23.6M |
| Stockholders' EquityBook value | $157.1M | $37.3M |
| Total Assets | $1.7B | $65.5M |
| Debt / EquityLower = less leverage | — | 0.63× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $15.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $73.2M | — | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $23.6M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.2M | ||
| Q1 24 | — | — |
| Q4 25 | $157.1M | — | ||
| Q3 25 | $149.5M | — | ||
| Q2 25 | $144.0M | $37.3M | ||
| Q1 25 | $138.5M | — | ||
| Q4 24 | $130.6M | — | ||
| Q3 24 | $136.3M | — | ||
| Q2 24 | $124.3M | $13.8M | ||
| Q1 24 | $121.1M | — |
| Q4 25 | $1.7B | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.7B | $65.5M | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | $49.6M | ||
| Q1 24 | $1.7B | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.11× | ||
| Q1 24 | — | — |
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 | $-2.2M |
| Free Cash FlowOCF − Capex | $20.0M | $-3.6M |
| FCF MarginFCF / Revenue | 92.7% | -25.3% |
| Capex IntensityCapex / Revenue | 6.6% | 10.0% |
| Cash ConversionOCF / Net Profit | 3.22× | -0.41× |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $-14.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | — | ||
| Q3 25 | $4.7M | — | ||
| Q2 25 | $5.5M | $-2.2M | ||
| Q1 25 | $5.9M | — | ||
| Q4 24 | $20.6M | — | ||
| Q3 24 | $4.9M | — | ||
| Q2 24 | $6.7M | $-950.0K | ||
| Q1 24 | $3.7M | — |
| Q4 25 | $20.0M | — | ||
| Q3 25 | $4.4M | — | ||
| Q2 25 | $5.4M | $-3.6M | ||
| Q1 25 | $5.2M | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | $4.7M | — | ||
| Q2 24 | $6.6M | $-1.6M | ||
| Q1 24 | $3.5M | — |
| Q4 25 | 92.7% | — | ||
| Q3 25 | 20.4% | — | ||
| Q2 25 | 25.9% | -25.3% | ||
| Q1 25 | 25.8% | — | ||
| Q4 24 | 98.0% | — | ||
| Q3 24 | 22.9% | — | ||
| Q2 24 | 32.7% | -10.8% | ||
| Q1 24 | 17.9% | — |
| Q4 25 | 6.6% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 0.5% | 10.0% | ||
| Q1 25 | 3.8% | — | ||
| Q4 24 | 2.9% | — | ||
| Q3 24 | 1.0% | — | ||
| Q2 24 | 0.4% | 4.2% | ||
| Q1 24 | 0.6% | — |
| Q4 25 | 3.22× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.06× | -0.41× | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.36× | -0.32× | ||
| Q1 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
