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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
Neuronetics, Inc. is the larger business by last-quarter revenue ($41.8M vs $21.5M, roughly 1.9× PEOPLES BANCORP OF NORTH CAROLINA INC). PEOPLES BANCORP OF NORTH CAROLINA INC runs the higher net margin — 30.8% vs -17.2%, a 48.1% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 5.6%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $692.0K). Over the past eight quarters, Neuronetics, Inc.'s revenue compounded faster (54.9% 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.
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
PEBK vs STIM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $41.8M |
| Net Profit | $6.6M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | 40.7% | -12.1% |
| Net Margin | 30.8% | -17.2% |
| Revenue YoY | 5.6% | 85.7% |
| Net Profit YoY | 86.4% | 43.2% |
| EPS (diluted) | $1.21 | $-0.10 |
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 | $41.8M | ||
| Q3 25 | $21.4M | $37.3M | ||
| Q2 25 | $20.7M | $38.1M | ||
| Q1 25 | $20.0M | $32.0M | ||
| Q4 24 | $20.4M | $22.5M | ||
| Q3 24 | $20.5M | $18.5M | ||
| Q2 24 | $20.1M | $16.4M | ||
| Q1 24 | $19.8M | $17.4M |
| Q4 25 | $6.6M | $-7.2M | ||
| Q3 25 | $3.7M | $-9.0M | ||
| Q2 25 | $5.2M | $-10.1M | ||
| Q1 25 | $4.3M | $-12.7M | ||
| Q4 24 | $3.6M | $-12.7M | ||
| Q3 24 | $4.0M | $-13.3M | ||
| Q2 24 | $4.9M | $-9.8M | ||
| Q1 24 | $3.9M | $-7.9M |
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
| Q4 25 | 40.7% | -12.1% | ||
| Q3 25 | 22.4% | -19.6% | ||
| Q2 25 | 32.2% | -21.1% | ||
| Q1 25 | 28.2% | -34.4% | ||
| Q4 24 | 22.5% | -51.0% | ||
| Q3 24 | 26.0% | -41.7% | ||
| Q2 24 | 31.3% | -51.7% | ||
| Q1 24 | 23.9% | -39.4% |
| Q4 25 | 30.8% | -17.2% | ||
| Q3 25 | 17.2% | -24.3% | ||
| Q2 25 | 24.9% | -26.6% | ||
| Q1 25 | 21.8% | -39.6% | ||
| Q4 24 | 17.5% | -56.4% | ||
| Q3 24 | 19.3% | -72.0% | ||
| Q2 24 | 24.4% | -59.8% | ||
| Q1 24 | 19.9% | -45.2% |
| Q4 25 | $1.21 | $-0.10 | ||
| Q3 25 | $0.67 | $-0.13 | ||
| Q2 25 | $0.95 | $-0.15 | ||
| Q1 25 | $0.79 | $-0.21 | ||
| Q4 24 | $0.65 | $-0.34 | ||
| Q3 24 | $0.72 | $-0.44 | ||
| Q2 24 | $0.89 | $-0.33 | ||
| Q1 24 | $0.72 | $-0.27 |
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 | $28.1M |
| Total DebtLower is stronger | — | $65.8M |
| Stockholders' EquityBook value | $157.1M | $22.4M |
| Total Assets | $1.7B | $141.6M |
| Debt / EquityLower = less leverage | — | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $28.1M | ||
| Q3 25 | — | $28.0M | ||
| Q2 25 | — | $11.0M | ||
| Q1 25 | — | $20.2M | ||
| Q4 24 | $59.3M | $18.5M | ||
| Q3 24 | $73.2M | $20.9M | ||
| Q2 24 | — | $42.6M | ||
| Q1 24 | — | $47.7M |
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M | ||
| Q1 24 | — | $59.4M |
| Q4 25 | $157.1M | $22.4M | ||
| Q3 25 | $149.5M | $27.4M | ||
| Q2 25 | $144.0M | $27.1M | ||
| Q1 25 | $138.5M | $35.5M | ||
| Q4 24 | $130.6M | $27.7M | ||
| Q3 24 | $136.3M | $9.4M | ||
| Q2 24 | $124.3M | $19.4M | ||
| Q1 24 | $121.1M | $27.7M |
| Q4 25 | $1.7B | $141.6M | ||
| Q3 25 | $1.7B | $145.5M | ||
| Q2 25 | $1.7B | $134.7M | ||
| Q1 25 | $1.7B | $142.0M | ||
| Q4 24 | $1.7B | $140.9M | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | $96.8M | ||
| Q1 24 | $1.7B | $103.8M |
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× | ||
| Q1 24 | — | 2.15× |
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 | $908.0K |
| Free Cash FlowOCF − Capex | $20.0M | $692.0K |
| FCF MarginFCF / Revenue | 92.7% | 1.7% |
| Capex IntensityCapex / Revenue | 6.6% | 0.5% |
| Cash ConversionOCF / Net Profit | 3.22× | — |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $908.0K | ||
| Q3 25 | $4.7M | $-785.0K | ||
| Q2 25 | $5.5M | $-3.5M | ||
| Q1 25 | $5.9M | $-17.0M | ||
| Q4 24 | $20.6M | $-8.6M | ||
| Q3 24 | $4.9M | $-5.4M | ||
| Q2 24 | $6.7M | $-5.0M | ||
| Q1 24 | $3.7M | $-12.0M |
| Q4 25 | $20.0M | $692.0K | ||
| Q3 25 | $4.4M | $-899.0K | ||
| Q2 25 | $5.4M | $-3.8M | ||
| Q1 25 | $5.2M | $-17.2M | ||
| Q4 24 | $20.0M | $-8.7M | ||
| Q3 24 | $4.7M | $-5.8M | ||
| Q2 24 | $6.6M | $-5.6M | ||
| Q1 24 | $3.5M | $-12.4M |
| Q4 25 | 92.7% | 1.7% | ||
| Q3 25 | 20.4% | -2.4% | ||
| Q2 25 | 25.9% | -9.9% | ||
| Q1 25 | 25.8% | -53.8% | ||
| Q4 24 | 98.0% | -38.6% | ||
| Q3 24 | 22.9% | -31.3% | ||
| Q2 24 | 32.7% | -34.0% | ||
| Q1 24 | 17.9% | -71.1% |
| Q4 25 | 6.6% | 0.5% | ||
| Q3 25 | 1.5% | 0.3% | ||
| Q2 25 | 0.5% | 0.7% | ||
| Q1 25 | 3.8% | 0.7% | ||
| Q4 24 | 2.9% | 0.4% | ||
| Q3 24 | 1.0% | 2.1% | ||
| Q2 24 | 0.4% | 3.7% | ||
| Q1 24 | 0.6% | 2.2% |
| Q4 25 | 3.22× | — | ||
| Q3 25 | 1.27× | — | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 1.24× | — | ||
| Q2 24 | 1.36× | — | ||
| Q1 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
