vs
Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and GREENE COUNTY BANCORP INC (GCBC). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($23.3M vs $19.1M, roughly 1.2× GREENE COUNTY BANCORP INC). GREENE COUNTY BANCORP INC runs the higher net margin — 54.0% vs 22.9%, a 31.1% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($8.0M vs $6.2M).
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.
Bank of Greene County is an American federally-chartered savings bank headquartered in Catskill, NY. The bank's branches are located in the Upstate New York counties of Greene, Columbia, Albany, Ulster, and Rensselaer.
AVBC vs GCBC — Head-to-Head
Income Statement — Q4 2025 vs Q2 2026
| Metric | | |
|---|---|---|
| Revenue | $23.3M | $19.1M |
| Net Profit | $5.3M | $10.3M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | 60.6% |
| Net Margin | 22.9% | 54.0% |
| Revenue YoY | — | 35.5% |
| Net Profit YoY | — | 37.4% |
| EPS (diluted) | — | $0.60 |
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 | $19.1M | ||
| Q3 25 | $23.4M | $17.5M | ||
| Q2 25 | $20.6M | $16.7M | ||
| Q1 25 | $19.2M | $16.2M | ||
| Q4 24 | — | $14.1M | ||
| Q3 24 | — | $13.1M | ||
| Q2 24 | — | $12.9M | ||
| Q1 24 | — | $12.3M |
| Q4 25 | $5.3M | $10.3M | ||
| Q3 25 | $-907.0K | $8.9M | ||
| Q2 25 | $3.9M | $9.3M | ||
| Q1 25 | $-11.6M | $8.1M | ||
| Q4 24 | — | $7.5M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $6.7M | ||
| Q1 24 | — | $5.9M |
| Q4 25 | 33.3% | 60.6% | ||
| Q3 25 | -8.3% | 58.2% | ||
| Q2 25 | 24.4% | 65.6% | ||
| Q1 25 | -85.9% | 55.2% | ||
| Q4 24 | — | 57.4% | ||
| Q3 24 | — | 50.9% | ||
| Q2 24 | — | 53.1% | ||
| Q1 24 | — | 50.3% |
| Q4 25 | 22.9% | 54.0% | ||
| Q3 25 | -3.9% | 50.6% | ||
| Q2 25 | 18.8% | 55.9% | ||
| Q1 25 | -60.3% | 49.7% | ||
| Q4 24 | — | 53.2% | ||
| Q3 24 | — | 47.7% | ||
| Q2 24 | — | 52.4% | ||
| Q1 24 | — | 47.7% |
| Q4 25 | — | $0.60 | ||
| Q3 25 | $-0.05 | $0.52 | ||
| Q2 25 | — | $0.55 | ||
| Q1 25 | — | $0.47 | ||
| Q4 24 | — | $0.44 | ||
| Q3 24 | — | $0.37 | ||
| Q2 24 | — | $0.39 | ||
| Q1 24 | — | $0.34 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $258.3M |
| Total Assets | $2.8B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | — | ||
| Q3 25 | $208.3M | — | ||
| Q2 25 | $592.5M | — | ||
| Q1 25 | — | $155.5M | ||
| Q4 24 | — | $166.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $190.4M | ||
| Q1 24 | — | — |
| Q4 25 | $379.0M | $258.3M | ||
| Q3 25 | $372.0M | $248.2M | ||
| Q2 25 | $191.4M | $238.8M | ||
| Q1 25 | $186.1M | $229.0M | ||
| Q4 24 | — | $218.4M | ||
| Q3 24 | — | $216.3M | ||
| Q2 24 | — | $206.0M | ||
| Q1 24 | — | $199.2M |
| Q4 25 | $2.8B | $3.1B | ||
| Q3 25 | $2.8B | $3.1B | ||
| Q2 25 | $3.0B | $3.0B | ||
| Q1 25 | $2.7B | $3.0B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $2.9B | ||
| Q2 24 | — | $2.8B | ||
| Q1 24 | — | $2.9B |
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 | $6.4M |
| Free Cash FlowOCF − Capex | $8.0M | $6.2M |
| FCF MarginFCF / Revenue | 34.4% | 32.6% |
| Capex IntensityCapex / Revenue | 3.4% | 1.1% |
| Cash ConversionOCF / Net Profit | 1.65× | 0.62× |
| TTM Free Cash FlowTrailing 4 quarters | $24.1M | $32.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.8M | $6.4M | ||
| Q3 25 | $24.1M | $7.0M | ||
| Q2 25 | $-2.3M | $13.2M | ||
| Q1 25 | $-2.2M | $7.3M | ||
| Q4 24 | — | $5.3M | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $5.6M |
| Q4 25 | $8.0M | $6.2M | ||
| Q3 25 | $23.3M | $6.5M | ||
| Q2 25 | $-3.3M | $12.9M | ||
| Q1 25 | $-3.9M | $7.3M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $2.0M | ||
| Q2 24 | — | $10.9M | ||
| Q1 24 | — | $4.9M |
| Q4 25 | 34.4% | 32.6% | ||
| Q3 25 | 99.2% | 37.4% | ||
| Q2 25 | -16.0% | 77.3% | ||
| Q1 25 | -20.2% | 44.7% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 15.2% | ||
| Q2 24 | — | 84.5% | ||
| Q1 24 | — | 40.0% |
| Q4 25 | 3.4% | 1.1% | ||
| Q3 25 | 3.7% | 2.3% | ||
| Q2 25 | 4.7% | 1.8% | ||
| Q1 25 | 8.6% | 0.3% | ||
| Q4 24 | — | 1.3% | ||
| Q3 24 | — | 1.2% | ||
| Q2 24 | — | 1.5% | ||
| Q1 24 | — | 5.4% |
| Q4 25 | 1.65× | 0.62× | ||
| Q3 25 | — | 0.78× | ||
| Q2 25 | -0.60× | 1.42× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.71× | ||
| Q3 24 | — | 0.34× | ||
| Q2 24 | — | 1.64× | ||
| Q1 24 | — | 0.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
