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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and Spok Holdings, Inc (SPOK). Click either name above to swap in a different company.
Spok Holdings, Inc is the larger business by last-quarter revenue ($33.9M vs $21.5M, roughly 1.6× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs 8.7%, a 22.2% 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 -0.1%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $10.1M). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs -1.5%).
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.
Spok Holdings, Inc. is a global provider of critical communication solutions primarily serving the healthcare industry. It offers unified clinical communication platforms, secure messaging tools, alerting systems, and on-call scheduling software that help care teams coordinate efficiently, cut response times, and boost patient safety across medical facilities.
PEBK vs SPOK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $33.9M |
| Net Profit | $6.6M | $2.9M |
| Gross Margin | — | 76.7% |
| Operating Margin | 40.7% | 11.6% |
| Net Margin | 30.8% | 8.7% |
| Revenue YoY | 5.6% | -0.1% |
| Net Profit YoY | 86.4% | -19.6% |
| EPS (diluted) | $1.21 | $0.13 |
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 | $33.9M | ||
| Q3 25 | $21.4M | $33.9M | ||
| Q2 25 | $20.7M | $35.7M | ||
| Q1 25 | $20.0M | $36.3M | ||
| Q4 24 | $20.4M | $33.9M | ||
| Q3 24 | $20.5M | $34.9M | ||
| Q2 24 | $20.1M | $34.0M | ||
| Q1 24 | $19.8M | $34.9M |
| Q4 25 | $6.6M | $2.9M | ||
| Q3 25 | $3.7M | $3.2M | ||
| Q2 25 | $5.2M | $4.6M | ||
| Q1 25 | $4.3M | $5.2M | ||
| Q4 24 | $3.6M | $3.6M | ||
| Q3 24 | $4.0M | $3.7M | ||
| Q2 24 | $4.9M | $3.4M | ||
| Q1 24 | $3.9M | $4.2M |
| Q4 25 | — | 76.7% | ||
| Q3 25 | — | 78.3% | ||
| Q2 25 | — | 79.5% | ||
| Q1 25 | — | 80.1% | ||
| Q4 24 | — | 78.5% | ||
| Q3 24 | — | 79.5% | ||
| Q2 24 | — | 78.9% | ||
| Q1 24 | — | 79.5% |
| Q4 25 | 40.7% | 11.6% | ||
| Q3 25 | 22.4% | 12.9% | ||
| Q2 25 | 32.2% | 15.1% | ||
| Q1 25 | 28.2% | 16.6% | ||
| Q4 24 | 22.5% | 13.7% | ||
| Q3 24 | 26.0% | 14.2% | ||
| Q2 24 | 31.3% | 13.2% | ||
| Q1 24 | 23.9% | 14.0% |
| Q4 25 | 30.8% | 8.7% | ||
| Q3 25 | 17.2% | 9.5% | ||
| Q2 25 | 24.9% | 12.8% | ||
| Q1 25 | 21.8% | 14.3% | ||
| Q4 24 | 17.5% | 10.8% | ||
| Q3 24 | 19.3% | 10.5% | ||
| Q2 24 | 24.4% | 10.1% | ||
| Q1 24 | 19.9% | 12.1% |
| Q4 25 | $1.21 | $0.13 | ||
| Q3 25 | $0.67 | $0.15 | ||
| Q2 25 | $0.95 | $0.22 | ||
| Q1 25 | $0.79 | $0.25 | ||
| Q4 24 | $0.65 | $0.17 | ||
| Q3 24 | $0.72 | $0.18 | ||
| Q2 24 | $0.89 | $0.17 | ||
| Q1 24 | $0.72 | $0.21 |
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 | $25.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $146.4M |
| Total Assets | $1.7B | $206.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $25.3M | ||
| Q3 25 | — | $21.4M | ||
| Q2 25 | — | $20.2M | ||
| Q1 25 | — | $19.9M | ||
| Q4 24 | $59.3M | $29.1M | ||
| Q3 24 | $73.2M | $27.8M | ||
| Q2 24 | — | $23.9M | ||
| Q1 24 | — | $23.3M |
| Q4 25 | $157.1M | $146.4M | ||
| Q3 25 | $149.5M | $148.7M | ||
| Q2 25 | $144.0M | $150.9M | ||
| Q1 25 | $138.5M | $151.7M | ||
| Q4 24 | $130.6M | $154.7M | ||
| Q3 24 | $136.3M | $156.3M | ||
| Q2 24 | $124.3M | $158.2M | ||
| Q1 24 | $121.1M | $160.2M |
| Q4 25 | $1.7B | $206.1M | ||
| Q3 25 | $1.7B | $209.7M | ||
| Q2 25 | $1.7B | $208.7M | ||
| Q1 25 | $1.7B | $204.5M | ||
| Q4 24 | $1.7B | $217.1M | ||
| Q3 24 | $1.7B | $216.8M | ||
| Q2 24 | $1.7B | $216.4M | ||
| Q1 24 | $1.7B | $215.0M |
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 | $11.5M |
| Free Cash FlowOCF − Capex | $20.0M | $10.1M |
| FCF MarginFCF / Revenue | 92.7% | 29.9% |
| Capex IntensityCapex / Revenue | 6.6% | 4.1% |
| Cash ConversionOCF / Net Profit | 3.22× | 3.93× |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $25.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $11.5M | ||
| Q3 25 | $4.7M | $8.1M | ||
| Q2 25 | $5.5M | $7.0M | ||
| Q1 25 | $5.9M | $2.3M | ||
| Q4 24 | $20.6M | $8.4M | ||
| Q3 24 | $4.9M | $11.1M | ||
| Q2 24 | $6.7M | $7.4M | ||
| Q1 24 | $3.7M | $2.0M |
| Q4 25 | $20.0M | $10.1M | ||
| Q3 25 | $4.4M | $7.6M | ||
| Q2 25 | $5.4M | $6.0M | ||
| Q1 25 | $5.2M | $1.5M | ||
| Q4 24 | $20.0M | $7.5M | ||
| Q3 24 | $4.7M | $10.3M | ||
| Q2 24 | $6.6M | $6.8M | ||
| Q1 24 | $3.5M | $1.1M |
| Q4 25 | 92.7% | 29.9% | ||
| Q3 25 | 20.4% | 22.4% | ||
| Q2 25 | 25.9% | 16.8% | ||
| Q1 25 | 25.8% | 4.2% | ||
| Q4 24 | 98.0% | 22.3% | ||
| Q3 24 | 22.9% | 29.4% | ||
| Q2 24 | 32.7% | 20.0% | ||
| Q1 24 | 17.9% | 3.2% |
| Q4 25 | 6.6% | 4.1% | ||
| Q3 25 | 1.5% | 1.6% | ||
| Q2 25 | 0.5% | 2.9% | ||
| Q1 25 | 3.8% | 2.1% | ||
| Q4 24 | 2.9% | 2.5% | ||
| Q3 24 | 1.0% | 2.4% | ||
| Q2 24 | 0.4% | 1.9% | ||
| Q1 24 | 0.6% | 2.5% |
| Q4 25 | 3.22× | 3.93× | ||
| Q3 25 | 1.27× | 2.54× | ||
| Q2 25 | 1.06× | 1.55× | ||
| Q1 25 | 1.36× | 0.43× | ||
| Q4 24 | 5.78× | 2.31× | ||
| Q3 24 | 1.24× | 3.03× | ||
| Q2 24 | 1.36× | 2.17× | ||
| Q1 24 | 0.93× | 0.47× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PEBK
Segment breakdown not available.
SPOK
| Paging | $16.8M | 50% |
| Software Operations | $16.0M | 47% |
| License | $1.2M | 4% |
