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Side-by-side financial comparison of PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) and TRANSACT TECHNOLOGIES INC (TACT). 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 $11.5M, roughly 1.9× TRANSACT TECHNOLOGIES INC). On growth, TRANSACT TECHNOLOGIES INC posted the faster year-over-year revenue change (11.9% vs 5.6%). PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $589.0K). Over the past eight quarters, PEOPLES BANCORP OF NORTH CAROLINA INC's revenue compounded faster (4.2% CAGR vs 3.5%).
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.
Roper Technologies, Inc. is a holding company that owns companies in the technology sector.
PEBK vs TACT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.5M | $11.5M |
| Net Profit | $6.6M | — |
| Gross Margin | — | 47.6% |
| Operating Margin | 40.7% | -10.1% |
| Net Margin | 30.8% | — |
| Revenue YoY | 5.6% | 11.9% |
| Net Profit YoY | 86.4% | — |
| EPS (diluted) | $1.21 | $-0.11 |
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 | $11.5M | ||
| Q3 25 | $21.4M | $13.2M | ||
| Q2 25 | $20.7M | $13.8M | ||
| Q1 25 | $20.0M | $13.1M | ||
| Q4 24 | $20.4M | $10.2M | ||
| Q3 24 | $20.5M | $10.9M | ||
| Q2 24 | $20.1M | $11.6M | ||
| Q1 24 | $19.8M | $10.7M |
| Q4 25 | $6.6M | — | ||
| Q3 25 | $3.7M | $15.0K | ||
| Q2 25 | $5.2M | $-143.0K | ||
| Q1 25 | $4.3M | $19.0K | ||
| Q4 24 | $3.6M | — | ||
| Q3 24 | $4.0M | $-551.0K | ||
| Q2 24 | $4.9M | $-319.0K | ||
| Q1 24 | $3.9M | $-1.0M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 48.2% | ||
| Q1 25 | — | 48.7% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 48.1% | ||
| Q2 24 | — | 52.7% | ||
| Q1 24 | — | 52.6% |
| Q4 25 | 40.7% | -10.1% | ||
| Q3 25 | 22.4% | 0.1% | ||
| Q2 25 | 32.2% | -1.9% | ||
| Q1 25 | 28.2% | -0.1% | ||
| Q4 24 | 22.5% | -10.3% | ||
| Q3 24 | 26.0% | -7.7% | ||
| Q2 24 | 31.3% | -3.8% | ||
| Q1 24 | 23.9% | -12.2% |
| Q4 25 | 30.8% | — | ||
| Q3 25 | 17.2% | 0.1% | ||
| Q2 25 | 24.9% | -1.0% | ||
| Q1 25 | 21.8% | 0.1% | ||
| Q4 24 | 17.5% | — | ||
| Q3 24 | 19.3% | -5.1% | ||
| Q2 24 | 24.4% | -2.8% | ||
| Q1 24 | 19.9% | -9.7% |
| Q4 25 | $1.21 | $-0.11 | ||
| Q3 25 | $0.67 | $0.00 | ||
| Q2 25 | $0.95 | $-0.01 | ||
| Q1 25 | $0.79 | $0.00 | ||
| Q4 24 | $0.65 | $-0.80 | ||
| Q3 24 | $0.72 | $-0.06 | ||
| Q2 24 | $0.89 | $-0.03 | ||
| Q1 24 | $0.72 | $-0.10 |
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 | $20.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.1M | $31.1M |
| Total Assets | $1.7B | $44.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.1M | $20.4M | ||
| Q3 25 | — | $20.0M | ||
| Q2 25 | — | $17.7M | ||
| Q1 25 | — | $14.2M | ||
| Q4 24 | $59.3M | $14.4M | ||
| Q3 24 | $73.2M | $11.3M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $10.6M |
| Q4 25 | $157.1M | $31.1M | ||
| Q3 25 | $149.5M | $31.8M | ||
| Q2 25 | $144.0M | $31.3M | ||
| Q1 25 | $138.5M | $30.9M | ||
| Q4 24 | $130.6M | $30.6M | ||
| Q3 24 | $136.3M | $38.4M | ||
| Q2 24 | $124.3M | $38.5M | ||
| Q1 24 | $121.1M | $38.6M |
| Q4 25 | $1.7B | $44.8M | ||
| Q3 25 | $1.7B | $45.0M | ||
| Q2 25 | $1.7B | $44.5M | ||
| Q1 25 | $1.7B | $44.2M | ||
| Q4 24 | $1.7B | $44.0M | ||
| Q3 24 | $1.7B | $50.5M | ||
| Q2 24 | $1.7B | $50.4M | ||
| Q1 24 | $1.7B | $51.9M |
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 | $609.0K |
| Free Cash FlowOCF − Capex | $20.0M | $589.0K |
| FCF MarginFCF / Revenue | 92.7% | 5.1% |
| Capex IntensityCapex / Revenue | 6.6% | 0.2% |
| Cash ConversionOCF / Net Profit | 3.22× | — |
| TTM Free Cash FlowTrailing 4 quarters | $34.9M | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $609.0K | ||
| Q3 25 | $4.7M | $3.6M | ||
| Q2 25 | $5.5M | $3.6M | ||
| Q1 25 | $5.9M | $-161.0K | ||
| Q4 24 | $20.6M | $2.4M | ||
| Q3 24 | $4.9M | $327.0K | ||
| Q2 24 | $6.7M | $636.0K | ||
| Q1 24 | $3.7M | $-1.5M |
| Q4 25 | $20.0M | $589.0K | ||
| Q3 25 | $4.4M | $3.6M | ||
| Q2 25 | $5.4M | $3.6M | ||
| Q1 25 | $5.2M | $-171.0K | ||
| Q4 24 | $20.0M | $2.4M | ||
| Q3 24 | $4.7M | $259.0K | ||
| Q2 24 | $6.6M | $499.0K | ||
| Q1 24 | $3.5M | $-1.6M |
| Q4 25 | 92.7% | 5.1% | ||
| Q3 25 | 20.4% | 27.1% | ||
| Q2 25 | 25.9% | 25.9% | ||
| Q1 25 | 25.8% | -1.3% | ||
| Q4 24 | 98.0% | 23.2% | ||
| Q3 24 | 22.9% | 2.4% | ||
| Q2 24 | 32.7% | 4.3% | ||
| Q1 24 | 17.9% | -14.9% |
| Q4 25 | 6.6% | 0.2% | ||
| Q3 25 | 1.5% | 0.5% | ||
| Q2 25 | 0.5% | 0.1% | ||
| Q1 25 | 3.8% | 0.1% | ||
| Q4 24 | 2.9% | 0.1% | ||
| Q3 24 | 1.0% | 0.6% | ||
| Q2 24 | 0.4% | 1.2% | ||
| Q1 24 | 0.6% | 1.0% |
| Q4 25 | 3.22× | — | ||
| Q3 25 | 1.27× | 242.00× | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 1.36× | -8.47× | ||
| 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.
