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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and INNEOVA Holdings Ltd (INEO). Click either name above to swap in a different company.
INNEOVA Holdings Ltd is the larger business by last-quarter revenue ($30.8M vs $26.8M, roughly 1.1× Avidia Bancorp, Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs 0.8%, a 22.1% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $-1.5M).
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.
AVBC vs INEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $30.8M |
| Net Profit | $5.3M | $243.0K |
| Gross Margin | — | 19.3% |
| Operating Margin | 33.3% | 3.6% |
| Net Margin | 22.9% | 0.8% |
| Revenue YoY | — | — |
| Net Profit YoY | — | — |
| EPS (diluted) | — | $0.02 |
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 | — | ||
| Q3 25 | $28.0M | — | ||
| Q2 25 | $25.9M | $30.8M | ||
| Q1 25 | $22.9M | — |
| Q4 25 | $5.3M | — | ||
| Q3 25 | $-907.0K | — | ||
| Q2 25 | $3.9M | $243.0K | ||
| Q1 25 | $-11.6M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 19.3% | ||
| Q1 25 | — | — |
| Q4 25 | 33.3% | — | ||
| Q3 25 | -7.0% | — | ||
| Q2 25 | 19.4% | 3.6% | ||
| Q1 25 | -72.0% | — |
| Q4 25 | 22.9% | — | ||
| Q3 25 | -3.2% | — | ||
| Q2 25 | 15.0% | 0.8% | ||
| Q1 25 | -50.5% | — |
| Q4 25 | — | — | ||
| Q3 25 | $-0.05 | — | ||
| Q2 25 | — | $0.02 | ||
| Q1 25 | — | — |
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 | $2.1M |
| Total DebtLower is stronger | — | $2.9M |
| Stockholders' EquityBook value | $379.0M | $11.2M |
| Total Assets | $2.8B | $52.6M |
| Debt / EquityLower = less leverage | — | 0.26× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | — | ||
| Q3 25 | $208.3M | — | ||
| Q2 25 | $592.5M | $2.1M | ||
| Q1 25 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $2.9M | ||
| Q1 25 | — | — |
| Q4 25 | $379.0M | — | ||
| Q3 25 | $372.0M | — | ||
| Q2 25 | $191.4M | $11.2M | ||
| Q1 25 | $186.1M | — |
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.8B | — | ||
| Q2 25 | $3.0B | $52.6M | ||
| Q1 25 | $2.7B | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | — |
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 | $-301.0K |
| Free Cash FlowOCF − Capex | $24.1M | $-1.5M |
| FCF MarginFCF / Revenue | 89.9% | -4.8% |
| Capex IntensityCapex / Revenue | 16.0% | 3.8% |
| Cash ConversionOCF / Net Profit | 5.32× | -1.24× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | — | ||
| Q3 25 | $24.1M | — | ||
| Q2 25 | $-2.3M | $-301.0K | ||
| Q1 25 | $-2.2M | — |
| Q4 25 | $24.1M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | $-1.5M | ||
| Q1 25 | $-3.9M | — |
| Q4 25 | 89.9% | — | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | -12.8% | -4.8% | ||
| Q1 25 | -16.9% | — |
| Q4 25 | 16.0% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 3.7% | 3.8% | ||
| Q1 25 | 7.2% | — |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | -1.24× | ||
| Q1 25 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
