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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and ECB Bancorp, Inc. (ECBK). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($23.3M vs $9.2M, roughly 2.5× ECB Bancorp, Inc.). ECB Bancorp, Inc. runs the higher net margin — 28.4% vs 22.9%, a 5.5% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($8.0M vs $3.9M).
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.
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.
AVBC vs ECBK — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $23.3M | $9.2M |
| Net Profit | $5.3M | $2.6M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | 38.1% |
| Net Margin | 22.9% | 28.4% |
| Revenue YoY | — | 35.0% |
| Net Profit YoY | — | 79.5% |
| EPS (diluted) | — | $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 | $23.3M | $9.2M | ||
| Q3 25 | $23.4M | $8.5M | ||
| Q2 25 | $20.6M | $7.7M | ||
| Q1 25 | $19.2M | $6.6M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $6.0M | ||
| Q1 24 | — | $5.9M |
| Q4 25 | $5.3M | $2.6M | ||
| Q3 25 | $-907.0K | $2.4M | ||
| Q2 25 | $3.9M | $1.4M | ||
| Q1 25 | $-11.6M | $1.3M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $1.1M | ||
| Q2 24 | — | $791.0K | ||
| Q1 24 | — | $621.0K |
| Q4 25 | 33.3% | 38.1% | ||
| Q3 25 | -8.3% | 38.5% | ||
| Q2 25 | 24.4% | 25.0% | ||
| Q1 25 | -85.9% | 25.9% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 17.7% | ||
| Q1 24 | — | 14.1% |
| Q4 25 | 22.9% | 28.4% | ||
| Q3 25 | -3.9% | 28.8% | ||
| Q2 25 | 18.8% | 18.8% | ||
| Q1 25 | -60.3% | 19.5% | ||
| Q4 24 | — | 21.3% | ||
| Q3 24 | — | 18.0% | ||
| Q2 24 | — | 13.2% | ||
| Q1 24 | — | 10.5% |
| Q4 25 | — | $0.32 | ||
| Q3 25 | $-0.05 | $0.29 | ||
| Q2 25 | — | $0.17 | ||
| Q1 25 | — | $0.16 | ||
| Q4 24 | — | $0.18 | ||
| Q3 24 | — | $0.14 | ||
| Q2 24 | — | $0.09 | ||
| Q1 24 | — | $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 | $275.0M | $82.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $171.9M |
| Total Assets | $2.8B | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $82.8M | ||
| Q3 25 | $208.3M | $201.9M | ||
| Q2 25 | $592.5M | $191.0M | ||
| Q1 25 | — | $143.7M | ||
| Q4 24 | — | $309.4M | ||
| Q3 24 | — | $114.8M | ||
| Q2 24 | — | $108.7M | ||
| Q1 24 | — | $109.8M |
| Q4 25 | $379.0M | $171.9M | ||
| Q3 25 | $372.0M | $169.3M | ||
| Q2 25 | $191.4M | $168.3M | ||
| Q1 25 | $186.1M | $168.6M | ||
| Q4 24 | — | $168.3M | ||
| Q3 24 | — | $166.0M | ||
| Q2 24 | — | $166.5M | ||
| Q1 24 | — | $165.8M |
| Q4 25 | $2.8B | $1.6B | ||
| Q3 25 | $2.8B | $1.6B | ||
| Q2 25 | $3.0B | $1.5B | ||
| Q1 25 | $2.7B | $1.5B | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.3B | ||
| Q1 24 | — | $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 | $8.8M | $3.9M |
| Free Cash FlowOCF − Capex | $8.0M | $3.9M |
| FCF MarginFCF / Revenue | 34.4% | 42.1% |
| Capex IntensityCapex / Revenue | 3.4% | 0.8% |
| Cash ConversionOCF / Net Profit | 1.65× | 1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $24.1M | $9.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.8M | $3.9M | ||
| Q3 25 | $24.1M | $4.0M | ||
| Q2 25 | $-2.3M | $1.9M | ||
| Q1 25 | $-2.2M | $-631.0K | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | — | $861.0K | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $-429.0K |
| Q4 25 | $8.0M | $3.9M | ||
| Q3 25 | $23.3M | $4.0M | ||
| Q2 25 | $-3.3M | $1.8M | ||
| Q1 25 | $-3.9M | $-649.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | — | $-449.0K |
| Q4 25 | 34.4% | 42.1% | ||
| Q3 25 | 99.2% | 46.8% | ||
| Q2 25 | -16.0% | 24.1% | ||
| Q1 25 | -20.2% | -9.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 22.4% | ||
| Q1 24 | — | -7.6% |
| Q4 25 | 3.4% | 0.8% | ||
| Q3 25 | 3.7% | 0.8% | ||
| Q2 25 | 4.7% | 0.7% | ||
| Q1 25 | 8.6% | 0.3% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | 1.65× | 1.51× | ||
| Q3 25 | — | 1.65× | ||
| Q2 25 | -0.60× | 1.32× | ||
| Q1 25 | — | -0.49× | ||
| Q4 24 | — | 3.05× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | -0.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
