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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $26.6M, roughly 1.0× Owlet, Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -34.6%, a 57.5% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $-651.0K).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
AVBC vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $26.6M |
| Net Profit | $5.3M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 33.3% | -18.4% |
| Net Margin | 22.9% | -34.6% |
| Revenue YoY | — | 29.6% |
| Net Profit YoY | — | -1.5% |
| EPS (diluted) | — | — |
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 | $26.6M | ||
| Q3 25 | $28.0M | $32.0M | ||
| Q2 25 | $25.9M | $26.1M | ||
| Q1 25 | $22.9M | $21.1M | ||
| Q4 24 | — | $20.5M | ||
| Q3 24 | — | $22.1M | ||
| Q2 24 | — | $20.7M | ||
| Q1 24 | — | $14.8M |
| Q4 25 | $5.3M | $-9.2M | ||
| Q3 25 | $-907.0K | $4.1M | ||
| Q2 25 | $3.9M | $-37.6M | ||
| Q1 25 | $-11.6M | $3.0M | ||
| Q4 24 | — | $-9.1M | ||
| Q3 24 | — | $-5.6M | ||
| Q2 24 | — | $-1.1M | ||
| Q1 24 | — | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 33.3% | -18.4% | ||
| Q3 25 | -7.0% | 3.8% | ||
| Q2 25 | 19.4% | -7.4% | ||
| Q1 25 | -72.0% | -12.7% | ||
| Q4 24 | — | -36.2% | ||
| Q3 24 | — | -21.8% | ||
| Q2 24 | — | -10.8% | ||
| Q1 24 | — | -39.0% |
| Q4 25 | 22.9% | -34.6% | ||
| Q3 25 | -3.2% | 12.9% | ||
| Q2 25 | 15.0% | -144.4% | ||
| Q1 25 | -50.5% | 14.3% | ||
| Q4 24 | — | -44.2% | ||
| Q3 24 | — | -25.4% | ||
| Q2 24 | — | -5.5% | ||
| Q1 24 | — | 22.2% |
| Q4 25 | — | — | ||
| Q3 25 | $-0.05 | $-0.06 | ||
| Q2 25 | — | $-2.37 | ||
| Q1 25 | — | $0.11 | ||
| Q4 24 | — | $-0.15 | ||
| Q3 24 | — | $-0.61 | ||
| Q2 24 | — | $-0.30 | ||
| Q1 24 | — | $-0.51 |
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 | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $19.0M |
| Total Assets | $2.8B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $35.5M | ||
| Q3 25 | $208.3M | $23.8M | ||
| Q2 25 | $592.5M | $21.8M | ||
| Q1 25 | — | $16.3M | ||
| Q4 24 | — | $20.2M | ||
| Q3 24 | — | $21.6M | ||
| Q2 24 | — | $15.4M | ||
| Q1 24 | — | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $379.0M | $19.0M | ||
| Q3 25 | $372.0M | $-54.1M | ||
| Q2 25 | $191.4M | $-59.2M | ||
| Q1 25 | $186.1M | $-25.8M | ||
| Q4 24 | — | $-29.8M | ||
| Q3 24 | — | $-21.5M | ||
| Q2 24 | — | $-33.4M | ||
| Q1 24 | — | $-32.9M |
| Q4 25 | $2.8B | $85.6M | ||
| Q3 25 | $2.8B | $74.9M | ||
| Q2 25 | $3.0B | $63.5M | ||
| Q1 25 | $2.7B | $51.4M | ||
| Q4 24 | — | $49.5M | ||
| Q3 24 | — | $56.1M | ||
| Q2 24 | — | $45.9M | ||
| Q1 24 | — | $43.8M |
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 | $-452.0K |
| Free Cash FlowOCF − Capex | $24.1M | $-651.0K |
| FCF MarginFCF / Revenue | 89.9% | -2.5% |
| Capex IntensityCapex / Revenue | 16.0% | 0.7% |
| Cash ConversionOCF / Net Profit | 5.32× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $-452.0K | ||
| Q3 25 | $24.1M | $-2.2M | ||
| Q2 25 | $-2.3M | $-2.2M | ||
| Q1 25 | $-2.2M | $-5.9M | ||
| Q4 24 | — | $3.0M | ||
| Q3 24 | — | $-7.5M | ||
| Q2 24 | — | $-3.4M | ||
| Q1 24 | — | $-3.4M |
| Q4 25 | $24.1M | $-651.0K | ||
| Q3 25 | $23.3M | $-2.2M | ||
| Q2 25 | $-3.3M | $-2.3M | ||
| Q1 25 | $-3.9M | $-5.9M | ||
| Q4 24 | — | $3.0M | ||
| Q3 24 | — | $-7.5M | ||
| Q2 24 | — | $-3.4M | ||
| Q1 24 | — | — |
| Q4 25 | 89.9% | -2.5% | ||
| Q3 25 | 83.2% | -6.8% | ||
| Q2 25 | -12.8% | -8.8% | ||
| Q1 25 | -16.9% | -28.1% | ||
| Q4 24 | — | 14.5% | ||
| Q3 24 | — | -33.9% | ||
| Q2 24 | — | -16.3% | ||
| Q1 24 | — | — |
| Q4 25 | 16.0% | 0.7% | ||
| Q3 25 | 3.1% | 0.0% | ||
| Q2 25 | 3.7% | 0.2% | ||
| Q1 25 | 7.2% | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | -0.52× | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | -1.96× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
