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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Legacy Education Inc. (LGCY). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $19.2M, roughly 1.4× Legacy Education Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs 10.6%, a 12.3% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $512.7K).
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.
Legacy Education Inc. is a professional educational service provider focused on financial literacy, real estate investment, entrepreneurship, and personal wealth management training programs. It mainly serves individual learners across North America, Europe and select Asia-Pacific markets, offering both in-person workshops and online digital courses to help users build practical financial and business skills.
AVBC vs LGCY — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $19.2M |
| Net Profit | $5.3M | $2.0M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | 13.3% |
| Net Margin | 22.9% | 10.6% |
| Revenue YoY | — | 40.7% |
| Net Profit YoY | — | 46.0% |
| EPS (diluted) | — | $0.15 |
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 | $19.2M | ||
| Q3 25 | $28.0M | $19.4M | ||
| Q2 25 | $25.9M | $18.0M | ||
| Q1 25 | $22.9M | $18.6M | ||
| Q4 24 | — | $13.6M | ||
| Q3 24 | — | $14.0M |
| Q4 25 | $5.3M | $2.0M | ||
| Q3 25 | $-907.0K | $2.2M | ||
| Q2 25 | $3.9M | $1.2M | ||
| Q1 25 | $-11.6M | $2.8M | ||
| Q4 24 | — | $1.4M | ||
| Q3 24 | — | $2.1M |
| Q4 25 | 33.3% | 13.3% | ||
| Q3 25 | -7.0% | 13.9% | ||
| Q2 25 | 19.4% | 11.1% | ||
| Q1 25 | -72.0% | 19.7% | ||
| Q4 24 | — | 12.2% | ||
| Q3 24 | — | 19.1% |
| Q4 25 | 22.9% | 10.6% | ||
| Q3 25 | -3.2% | 11.3% | ||
| Q2 25 | 15.0% | 6.8% | ||
| Q1 25 | -50.5% | 15.2% | ||
| Q4 24 | — | 10.3% | ||
| Q3 24 | — | 14.9% |
| Q4 25 | — | $0.15 | ||
| Q3 25 | $-0.05 | $0.16 | ||
| Q2 25 | — | $0.07 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.10 | ||
| Q3 24 | — | $0.21 |
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 | $21.1M |
| Total DebtLower is stronger | — | $660.3K |
| Stockholders' EquityBook value | $379.0M | $46.1M |
| Total Assets | $2.8B | $73.1M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $21.1M | ||
| Q3 25 | $208.3M | $20.6M | ||
| Q2 25 | $592.5M | $20.3M | ||
| Q1 25 | — | $17.3M | ||
| Q4 24 | — | $16.9M | ||
| Q3 24 | — | $21.5M |
| Q4 25 | — | $660.3K | ||
| Q3 25 | — | $776.9K | ||
| Q2 25 | — | $1.4M | ||
| Q1 25 | — | $1.0M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $758.2K |
| Q4 25 | $379.0M | $46.1M | ||
| Q3 25 | $372.0M | $43.7M | ||
| Q2 25 | $191.4M | $41.0M | ||
| Q1 25 | $186.1M | $39.3M | ||
| Q4 24 | — | $36.4M | ||
| Q3 24 | — | $32.6M |
| Q4 25 | $2.8B | $73.1M | ||
| Q3 25 | $2.8B | $72.1M | ||
| Q2 25 | $3.0B | $69.2M | ||
| Q1 25 | $2.7B | $67.1M | ||
| Q4 24 | — | $62.1M | ||
| Q3 24 | — | $50.6M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.03× | ||
| Q4 24 | — | 0.03× | ||
| Q3 24 | — | 0.02× |
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 | $1.1M |
| Free Cash FlowOCF − Capex | $24.1M | $512.7K |
| FCF MarginFCF / Revenue | 89.9% | 2.7% |
| Capex IntensityCapex / Revenue | 16.0% | 2.8% |
| Cash ConversionOCF / Net Profit | 5.32× | 0.52× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $4.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $1.1M | ||
| Q3 25 | $24.1M | $1.1M | ||
| Q2 25 | $-2.3M | $3.0M | ||
| Q1 25 | $-2.2M | $918.7K | ||
| Q4 24 | — | $659.0K | ||
| Q3 24 | — | $3.2M |
| Q4 25 | $24.1M | $512.7K | ||
| Q3 25 | $23.3M | $809.7K | ||
| Q2 25 | $-3.3M | $2.9M | ||
| Q1 25 | $-3.9M | $596.6K | ||
| Q4 24 | — | $466.8K | ||
| Q3 24 | — | $2.9M |
| Q4 25 | 89.9% | 2.7% | ||
| Q3 25 | 83.2% | 4.2% | ||
| Q2 25 | -12.8% | 16.2% | ||
| Q1 25 | -16.9% | 3.2% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | — | 21.1% |
| Q4 25 | 16.0% | 2.8% | ||
| Q3 25 | 3.1% | 1.3% | ||
| Q2 25 | 3.7% | 0.5% | ||
| Q1 25 | 7.2% | 1.7% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.7% |
| Q4 25 | 5.32× | 0.52× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | -0.60× | 2.45× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
