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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and NorthEast Community Bancorp, Inc. (NECB). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $26.4M, roughly 1.0× NorthEast Community Bancorp, Inc.). NorthEast Community Bancorp, Inc. runs the higher net margin — 40.9% vs 22.9%, a 18.0% gap on every dollar of revenue. NorthEast Community Bancorp, Inc. produced more free cash flow last quarter ($50.8M vs $24.1M).
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.
NorthEast Community Bancorp, Inc. (MD) is a U.S.-based bank holding company operating primarily in the Mid-Atlantic region. It provides a comprehensive suite of consumer and commercial banking services, including deposit products, mortgage loans, small business financing, and wealth management solutions to individual and local enterprise clients.
AVBC vs NECB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $26.4M |
| Net Profit | $5.3M | $10.8M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | 59.0% |
| Net Margin | 22.9% | 40.9% |
| Revenue YoY | — | 3.9% |
| Net Profit YoY | — | 5.8% |
| EPS (diluted) | — | $0.78 |
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 | $26.4M | ||
| Q3 25 | $28.0M | $27.0M | ||
| Q2 25 | $25.9M | $25.9M | ||
| Q1 25 | $22.9M | $25.5M | ||
| Q4 24 | — | $25.4M | ||
| Q3 24 | — | $27.6M | ||
| Q2 24 | — | $27.0M | ||
| Q1 24 | — | $25.5M |
| Q4 25 | $5.3M | $10.8M | ||
| Q3 25 | $-907.0K | $11.9M | ||
| Q2 25 | $3.9M | $11.2M | ||
| Q1 25 | $-11.6M | $10.6M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $12.7M | ||
| Q2 24 | — | $12.8M | ||
| Q1 24 | — | $11.4M |
| Q4 25 | 33.3% | 59.0% | ||
| Q3 25 | -7.0% | 61.6% | ||
| Q2 25 | 19.4% | 59.5% | ||
| Q1 25 | -72.0% | 57.4% | ||
| Q4 24 | — | 57.0% | ||
| Q3 24 | — | 63.6% | ||
| Q2 24 | — | 65.6% | ||
| Q1 24 | — | 62.7% |
| Q4 25 | 22.9% | 40.9% | ||
| Q3 25 | -3.2% | 44.0% | ||
| Q2 25 | 15.0% | 43.1% | ||
| Q1 25 | -50.5% | 41.4% | ||
| Q4 24 | — | 40.1% | ||
| Q3 24 | — | 45.9% | ||
| Q2 24 | — | 47.5% | ||
| Q1 24 | — | 44.5% |
| Q4 25 | — | $0.78 | ||
| Q3 25 | $-0.05 | $0.87 | ||
| Q2 25 | — | $0.82 | ||
| Q1 25 | — | $0.78 | ||
| Q4 24 | — | $0.74 | ||
| Q3 24 | — | $0.95 | ||
| Q2 24 | — | $0.97 | ||
| Q1 24 | — | $0.86 |
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 | $81.2M |
| Total DebtLower is stronger | — | $70.0M |
| Stockholders' EquityBook value | $379.0M | $351.7M |
| Total Assets | $2.8B | $2.1B |
| Debt / EquityLower = less leverage | — | 0.20× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $81.2M | ||
| Q3 25 | $208.3M | $64.3M | ||
| Q2 25 | $592.5M | $59.4M | ||
| Q1 25 | — | $89.5M | ||
| Q4 24 | — | $78.3M | ||
| Q3 24 | — | $97.8M | ||
| Q2 24 | — | $113.9M | ||
| Q1 24 | — | $107.4M |
| Q4 25 | — | $70.0M | ||
| Q3 25 | — | $170.0M | ||
| Q2 25 | — | $135.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $7.0M | ||
| Q2 24 | — | $47.0M | ||
| Q1 24 | — | $47.0M |
| Q4 25 | $379.0M | $351.7M | ||
| Q3 25 | $372.0M | $344.0M | ||
| Q2 25 | $191.4M | $336.7M | ||
| Q1 25 | $186.1M | $327.2M | ||
| Q4 24 | — | $318.3M | ||
| Q3 24 | — | $309.6M | ||
| Q2 24 | — | $300.0M | ||
| Q1 24 | — | $288.9M |
| Q4 25 | $2.8B | $2.1B | ||
| Q3 25 | $2.8B | $2.1B | ||
| Q2 25 | $3.0B | $2.0B | ||
| Q1 25 | $2.7B | $1.9B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | $1.9B | ||
| Q1 24 | — | $1.9B |
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.49× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.02× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 0.16× |
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 | $52.6M |
| Free Cash FlowOCF − Capex | $24.1M | $50.8M |
| FCF MarginFCF / Revenue | 89.9% | 192.3% |
| Capex IntensityCapex / Revenue | 16.0% | 6.6% |
| Cash ConversionOCF / Net Profit | 5.32× | 4.86× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $89.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $52.6M | ||
| Q3 25 | $24.1M | $14.1M | ||
| Q2 25 | $-2.3M | $15.6M | ||
| Q1 25 | $-2.2M | $10.9M | ||
| Q4 24 | — | $48.7M | ||
| Q3 24 | — | $14.4M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $12.9M |
| Q4 25 | $24.1M | $50.8M | ||
| Q3 25 | $23.3M | $13.6M | ||
| Q2 25 | $-3.3M | $14.9M | ||
| Q1 25 | $-3.9M | $10.6M | ||
| Q4 24 | — | $48.2M | ||
| Q3 24 | — | $14.2M | ||
| Q2 24 | — | $11.0M | ||
| Q1 24 | — | $12.8M |
| Q4 25 | 89.9% | 192.3% | ||
| Q3 25 | 83.2% | 50.5% | ||
| Q2 25 | -12.8% | 57.3% | ||
| Q1 25 | -16.9% | 41.4% | ||
| Q4 24 | — | 189.3% | ||
| Q3 24 | — | 51.5% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 50.3% |
| Q4 25 | 16.0% | 6.6% | ||
| Q3 25 | 3.1% | 1.6% | ||
| Q2 25 | 3.7% | 2.9% | ||
| Q1 25 | 7.2% | 1.5% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | 5.32× | 4.86× | ||
| Q3 25 | — | 1.18× | ||
| Q2 25 | -0.60× | 1.40× | ||
| Q1 25 | — | 1.04× | ||
| Q4 24 | — | 4.77× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 0.87× | ||
| Q1 24 | — | 1.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
