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Side-by-side financial comparison of Affinity Bancshares, Inc. (AFBI) and ECB Bancorp, Inc. (ECBK). Click either name above to swap in a different company.
ECB Bancorp, Inc. is the larger business by last-quarter revenue ($9.2M vs $8.3M, roughly 1.1× Affinity Bancshares, Inc.). ECB Bancorp, Inc. runs the higher net margin — 28.4% vs 25.8%, a 2.5% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (35.0% vs 11.0%). ECB Bancorp, Inc. produced more free cash flow last quarter ($3.9M vs $2.2M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (24.5% CAGR vs 10.6%).
ECB Bancorp, Inc. (MD) is a US-based bank holding company. It offers a full suite of retail and commercial banking products including deposit accounts, consumer loans, commercial financing and wealth management solutions, primarily serving individuals and small-to-mid enterprises across local markets in Maryland.
AFBI vs ECBK — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $8.3M | $9.2M |
| Net Profit | $2.1M | $2.6M |
| Gross Margin | — | — |
| Operating Margin | 37.3% | 38.1% |
| Net Margin | 25.8% | 28.4% |
| Revenue YoY | 11.0% | 35.0% |
| Net Profit YoY | 58.5% | 79.5% |
| EPS (diluted) | $0.34 | $0.32 |
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 | $8.3M | $9.2M | ||
| Q3 25 | $7.8M | $8.5M | ||
| Q2 25 | $7.8M | $7.7M | ||
| Q1 25 | $7.3M | $6.6M | ||
| Q4 24 | $7.4M | $6.8M | ||
| Q3 24 | $7.4M | $6.3M | ||
| Q2 24 | $7.6M | $6.0M | ||
| Q1 24 | $6.7M | $5.9M |
| Q4 25 | $2.1M | $2.6M | ||
| Q3 25 | $2.2M | $2.4M | ||
| Q2 25 | $2.2M | $1.4M | ||
| Q1 25 | $1.8M | $1.3M | ||
| Q4 24 | $1.3M | $1.4M | ||
| Q3 24 | $1.7M | $1.1M | ||
| Q2 24 | $1.0M | $791.0K | ||
| Q1 24 | $1.3M | $621.0K |
| Q4 25 | 37.3% | 38.1% | ||
| Q3 25 | 37.5% | 38.5% | ||
| Q2 25 | 36.4% | 25.0% | ||
| Q1 25 | 32.8% | 25.9% | ||
| Q4 24 | 21.5% | 28.6% | ||
| Q3 24 | 30.7% | 24.4% | ||
| Q2 24 | 17.7% | 17.7% | ||
| Q1 24 | 26.1% | 14.1% |
| Q4 25 | 25.8% | 28.4% | ||
| Q3 25 | 28.5% | 28.8% | ||
| Q2 25 | 27.7% | 18.8% | ||
| Q1 25 | 25.0% | 19.5% | ||
| Q4 24 | 18.1% | 21.3% | ||
| Q3 24 | 23.3% | 18.0% | ||
| Q2 24 | 13.6% | 13.2% | ||
| Q1 24 | 19.8% | 10.5% |
| Q4 25 | $0.34 | $0.32 | ||
| Q3 25 | $0.34 | $0.29 | ||
| Q2 25 | $0.33 | $0.17 | ||
| Q1 25 | $0.28 | $0.16 | ||
| Q4 24 | $0.21 | $0.18 | ||
| Q3 24 | $0.26 | $0.14 | ||
| Q2 24 | $0.16 | $0.09 | ||
| Q1 24 | $0.20 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $53.9M | $82.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $127.0M | $171.9M |
| Total Assets | $881.7M | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.9M | $82.8M | ||
| Q3 25 | $84.8M | $201.9M | ||
| Q2 25 | $89.7M | $191.0M | ||
| Q1 25 | $74.7M | $143.7M | ||
| Q4 24 | $41.4M | $309.4M | ||
| Q3 24 | $52.3M | $114.8M | ||
| Q2 24 | $50.4M | $108.7M | ||
| Q1 24 | $61.4M | $109.8M |
| Q4 25 | $127.0M | $171.9M | ||
| Q3 25 | $125.4M | $169.3M | ||
| Q2 25 | $124.1M | $168.3M | ||
| Q1 25 | $122.3M | $168.6M | ||
| Q4 24 | $129.1M | $168.3M | ||
| Q3 24 | $128.4M | $166.0M | ||
| Q2 24 | $125.1M | $166.5M | ||
| Q1 24 | $123.3M | $165.8M |
| Q4 25 | $881.7M | $1.6B | ||
| Q3 25 | $925.2M | $1.6B | ||
| Q2 25 | $933.8M | $1.5B | ||
| Q1 25 | $912.5M | $1.5B | ||
| Q4 24 | $866.8M | $1.4B | ||
| Q3 24 | $878.6M | $1.4B | ||
| Q2 24 | $873.6M | $1.3B | ||
| Q1 24 | $869.5M | $1.3B |
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 | $2.3M | $3.9M |
| Free Cash FlowOCF − Capex | $2.2M | $3.9M |
| FCF MarginFCF / Revenue | 26.3% | 42.1% |
| Capex IntensityCapex / Revenue | 1.1% | 0.8% |
| Cash ConversionOCF / Net Profit | 1.06× | 1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $11.2M | $9.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.3M | $3.9M | ||
| Q3 25 | $3.7M | $4.0M | ||
| Q2 25 | $3.8M | $1.9M | ||
| Q1 25 | $1.9M | $-631.0K | ||
| Q4 24 | $865.0K | $4.4M | ||
| Q3 24 | $4.1M | $861.0K | ||
| Q2 24 | $619.0K | $1.4M | ||
| Q1 24 | $1.2M | $-429.0K |
| Q4 25 | $2.2M | $3.9M | ||
| Q3 25 | $3.6M | $4.0M | ||
| Q2 25 | $3.7M | $1.8M | ||
| Q1 25 | $1.8M | $-649.0K | ||
| Q4 24 | $842.0K | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $489.0K | $1.3M | ||
| Q1 24 | $1.1M | $-449.0K |
| Q4 25 | 26.3% | 42.1% | ||
| Q3 25 | 46.6% | 46.8% | ||
| Q2 25 | 47.1% | 24.1% | ||
| Q1 25 | 24.2% | -9.8% | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 6.5% | 22.4% | ||
| Q1 24 | 16.1% | -7.6% |
| Q4 25 | 1.1% | 0.8% | ||
| Q3 25 | 0.9% | 0.8% | ||
| Q2 25 | 1.5% | 0.7% | ||
| Q1 25 | 2.0% | 0.3% | ||
| Q4 24 | 0.3% | 0.0% | ||
| Q3 24 | 1.8% | 0.0% | ||
| Q2 24 | 1.7% | 0.7% | ||
| Q1 24 | 2.0% | 0.3% |
| Q4 25 | 1.06× | 1.51× | ||
| Q3 25 | 1.66× | 1.65× | ||
| Q2 25 | 1.75× | 1.32× | ||
| Q1 25 | 1.05× | -0.49× | ||
| Q4 24 | 0.64× | 3.05× | ||
| Q3 24 | 2.36× | 0.76× | ||
| Q2 24 | 0.60× | 1.75× | ||
| Q1 24 | 0.91× | -0.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
