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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Blue Foundry Bancorp (BLFY). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($23.3M vs $12.8M, roughly 1.8× Blue Foundry Bancorp). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -27.4%, a 50.3% gap on every dollar of revenue.
Avidia Bank is an American mutual community bank headquartered in Hudson, Massachusetts. It was founded in 2007 when it was formed by a merger between Hudson Savings Bank and Westborough Bank.
Blue Foundry Bancorp is a regional bank holding company based in New Jersey, United States. It offers a comprehensive range of personal and commercial banking products, including deposit accounts, consumer loans, mortgage services, and business financing solutions, serving local individual consumers and small to medium-sized enterprises.
AVBC vs BLFY — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $23.3M | $12.8M |
| Net Profit | $5.3M | $-3.5M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | — |
| Net Margin | 22.9% | -27.4% |
| Revenue YoY | — | 35.2% |
| Net Profit YoY | — | -30.6% |
| EPS (diluted) | — | $-0.18 |
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 | $23.3M | $12.8M | ||
| Q3 25 | $23.4M | $12.2M | ||
| Q2 25 | $20.6M | $11.6M | ||
| Q1 25 | $19.2M | $10.7M | ||
| Q4 24 | — | $9.5M | ||
| Q3 24 | — | $9.1M | ||
| Q2 24 | — | $9.6M | ||
| Q1 24 | — | $9.4M |
| Q4 25 | $5.3M | $-3.5M | ||
| Q3 25 | $-907.0K | $-1.9M | ||
| Q2 25 | $3.9M | $-2.0M | ||
| Q1 25 | $-11.6M | $-2.7M | ||
| Q4 24 | — | $-2.7M | ||
| Q3 24 | — | $-4.0M | ||
| Q2 24 | — | $-2.3M | ||
| Q1 24 | — | $-2.8M |
| Q4 25 | 33.3% | — | ||
| Q3 25 | -8.3% | — | ||
| Q2 25 | 24.4% | — | ||
| Q1 25 | -85.9% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 22.9% | -27.4% | ||
| Q3 25 | -3.9% | -15.3% | ||
| Q2 25 | 18.8% | -16.8% | ||
| Q1 25 | -60.3% | -25.1% | ||
| Q4 24 | — | -28.4% | ||
| Q3 24 | — | -44.5% | ||
| Q2 24 | — | -24.5% | ||
| Q1 24 | — | -30.1% |
| Q4 25 | — | $-0.18 | ||
| Q3 25 | $-0.05 | $-0.10 | ||
| Q2 25 | — | $-0.10 | ||
| Q1 25 | — | $-0.13 | ||
| Q4 24 | — | $-0.12 | ||
| Q3 24 | — | $-0.19 | ||
| Q2 24 | — | $-0.11 | ||
| Q1 24 | — | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $275.0M | $53.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $312.7M |
| Total Assets | $2.8B | $2.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $53.1M | ||
| Q3 25 | $208.3M | $44.1M | ||
| Q2 25 | $592.5M | $41.9M | ||
| Q1 25 | — | $46.2M | ||
| Q4 24 | — | $42.5M | ||
| Q3 24 | — | $76.1M | ||
| Q2 24 | — | $60.3M | ||
| Q1 24 | — | $53.8M |
| Q4 25 | $379.0M | $312.7M | ||
| Q3 25 | $372.0M | $314.4M | ||
| Q2 25 | $191.4M | $321.3M | ||
| Q1 25 | $186.1M | $326.7M | ||
| Q4 24 | — | $332.2M | ||
| Q3 24 | — | $339.3M | ||
| Q2 24 | — | $345.6M | ||
| Q1 24 | — | $350.2M |
| Q4 25 | $2.8B | $2.2B | ||
| Q3 25 | $2.8B | $2.2B | ||
| Q2 25 | $3.0B | $2.1B | ||
| Q1 25 | $2.7B | $2.1B | ||
| Q4 24 | — | $2.1B | ||
| Q3 24 | — | $2.1B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $2.0B |
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 | $8.8M | $-6.0M |
| Free Cash FlowOCF − Capex | $8.0M | — |
| FCF MarginFCF / Revenue | 34.4% | — |
| Capex IntensityCapex / Revenue | 3.4% | — |
| Cash ConversionOCF / Net Profit | 1.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $24.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.8M | $-6.0M | ||
| Q3 25 | $24.1M | $-255.0K | ||
| Q2 25 | $-2.3M | $2.0M | ||
| Q1 25 | $-2.2M | $-3.8M | ||
| Q4 24 | — | $-512.0K | ||
| Q3 24 | — | $-3.7M | ||
| Q2 24 | — | $14.1M | ||
| Q1 24 | — | $-4.9M |
| Q4 25 | $8.0M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $-4.9M |
| Q4 25 | 34.4% | — | ||
| Q3 25 | 99.2% | — | ||
| Q2 25 | -16.0% | — | ||
| Q1 25 | -20.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -51.7% |
| Q4 25 | 3.4% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 8.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 1.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
