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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Blend Labs, Inc. (BLND). Click either name above to swap in a different company.
Blend Labs, Inc. is the larger business by last-quarter revenue ($32.4M vs $26.8M, roughly 1.2× Avidia Bancorp, Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -7.8%, a 30.7% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $-21.0K).
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.
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AVBC vs BLND — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $32.4M |
| Net Profit | $5.3M | $-2.5M |
| Gross Margin | — | 75.7% |
| Operating Margin | 33.3% | -11.1% |
| Net Margin | 22.9% | -7.8% |
| Revenue YoY | — | 7.6% |
| Net Profit YoY | — | -207.0% |
| EPS (diluted) | — | — |
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 | $26.8M | $32.4M | ||
| Q3 25 | $28.0M | $32.7M | ||
| Q2 25 | $25.9M | $31.6M | ||
| Q1 25 | $22.9M | $26.8M | ||
| Q4 24 | — | $30.1M | ||
| Q3 24 | — | $33.1M | ||
| Q2 24 | — | $28.7M | ||
| Q1 24 | — | $23.8M |
| Q4 25 | $5.3M | $-2.5M | ||
| Q3 25 | $-907.0K | $12.1M | ||
| Q2 25 | $3.9M | $-6.8M | ||
| Q1 25 | $-11.6M | $-9.5M | ||
| Q4 24 | — | $-825.0K | ||
| Q3 24 | — | $-2.4M | ||
| Q2 24 | — | $-19.4M | ||
| Q1 24 | — | $-20.7M |
| Q4 25 | — | 75.7% | ||
| Q3 25 | — | 74.3% | ||
| Q2 25 | — | 73.8% | ||
| Q1 25 | — | 70.8% | ||
| Q4 24 | — | 74.2% | ||
| Q3 24 | — | 74.0% | ||
| Q2 24 | — | 70.9% | ||
| Q1 24 | — | 67.3% |
| Q4 25 | 33.3% | -11.1% | ||
| Q3 25 | -7.0% | -16.4% | ||
| Q2 25 | 19.4% | -15.3% | ||
| Q1 25 | -72.0% | -29.7% | ||
| Q4 24 | — | -10.9% | ||
| Q3 24 | — | -34.1% | ||
| Q2 24 | — | -45.5% | ||
| Q1 24 | — | -89.0% |
| Q4 25 | 22.9% | -7.8% | ||
| Q3 25 | -3.2% | 37.0% | ||
| Q2 25 | 15.0% | -21.6% | ||
| Q1 25 | -50.5% | -35.5% | ||
| Q4 24 | — | -2.7% | ||
| Q3 24 | — | -7.4% | ||
| Q2 24 | — | -67.6% | ||
| Q1 24 | — | -86.7% |
| Q4 25 | — | — | ||
| Q3 25 | $-0.05 | $0.02 | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-0.03 | ||
| Q3 24 | — | $-0.03 | ||
| Q2 24 | — | $-0.09 | ||
| Q1 24 | — | $-0.09 |
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 | $68.3M |
| Total DebtLower is stronger | — | $0 |
| Stockholders' EquityBook value | $379.0M | $-30.5M |
| Total Assets | $2.8B | $170.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $68.3M | ||
| Q3 25 | $208.3M | $77.3M | ||
| Q2 25 | $592.5M | $88.3M | ||
| Q1 25 | — | $104.8M | ||
| Q4 24 | — | $94.2M | ||
| Q3 24 | — | $112.3M | ||
| Q2 24 | — | $108.9M | ||
| Q1 24 | — | $121.1M |
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $138.9M |
| Q4 25 | $379.0M | $-30.5M | ||
| Q3 25 | $372.0M | $-13.4M | ||
| Q2 25 | $191.4M | $-23.1M | ||
| Q1 25 | $186.1M | $-17.2M | ||
| Q4 24 | — | $-56.4M | ||
| Q3 24 | — | $-49.6M | ||
| Q2 24 | — | $-45.5M | ||
| Q1 24 | — | $-35.8M |
| Q4 25 | $2.8B | $170.0M | ||
| Q3 25 | $2.8B | $188.6M | ||
| Q2 25 | $3.0B | $182.2M | ||
| Q1 25 | $2.7B | $187.5M | ||
| Q4 24 | — | $178.1M | ||
| Q3 24 | — | $186.1M | ||
| Q2 24 | — | $185.4M | ||
| Q1 24 | — | $201.8M |
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 | $28.4M | $1.5M |
| Free Cash FlowOCF − Capex | $24.1M | $-21.0K |
| FCF MarginFCF / Revenue | 89.9% | -0.1% |
| Capex IntensityCapex / Revenue | 16.0% | 4.8% |
| Cash ConversionOCF / Net Profit | 5.32× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $-81.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $1.5M | ||
| Q3 25 | $24.1M | $-3.6M | ||
| Q2 25 | $-2.3M | $-6.5M | ||
| Q1 25 | $-2.2M | $20.1M | ||
| Q4 24 | — | $-4.6M | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $-6.7M | ||
| Q1 24 | — | $-3.9M |
| Q4 25 | $24.1M | $-21.0K | ||
| Q3 25 | $23.3M | $-5.8M | ||
| Q2 25 | $-3.3M | $-10.1M | ||
| Q1 25 | $-3.9M | $15.8M | ||
| Q4 24 | — | $-7.1M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $-8.5M | ||
| Q1 24 | — | $-5.8M |
| Q4 25 | 89.9% | -0.1% | ||
| Q3 25 | 83.2% | -17.6% | ||
| Q2 25 | -12.8% | -31.9% | ||
| Q1 25 | -16.9% | 58.9% | ||
| Q4 24 | — | -23.5% | ||
| Q3 24 | — | -4.1% | ||
| Q2 24 | — | -29.7% | ||
| Q1 24 | — | -24.5% |
| Q4 25 | 16.0% | 4.8% | ||
| Q3 25 | 3.1% | 6.5% | ||
| Q2 25 | 3.7% | 11.4% | ||
| Q1 25 | 7.2% | 16.1% | ||
| Q4 24 | — | 8.3% | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 8.2% |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | -0.30× | ||
| 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.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
BLND
| Mortgage Suite | $18.9M | 58% |
| Consumer Banking Suite | $11.4M | 35% |
| Professional Services | $2.1M | 6% |
