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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $26.8M, roughly 1.8× Avidia Bancorp, Inc.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -33.9%, a 56.8% gap on every dollar of revenue.
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
AVBC vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $47.1M |
| Net Profit | $5.3M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | 33.3% | -17.7% |
| Net Margin | 22.9% | -33.9% |
| Revenue YoY | — | -15.6% |
| Net Profit YoY | — | 68.8% |
| EPS (diluted) | — | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $28.0M | $38.2M | ||
| Q2 25 | $25.9M | $38.4M | ||
| Q1 25 | $22.9M | $32.5M | ||
| Q4 24 | — | $55.8M | ||
| Q3 24 | — | $29.3M | ||
| Q2 24 | — | $34.0M | ||
| Q1 24 | — | $25.5M |
| Q4 25 | $5.3M | $-16.0M | ||
| Q3 25 | $-907.0K | $-23.8M | ||
| Q2 25 | $3.9M | $202.5M | ||
| Q1 25 | $-11.6M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | — | $-148.3M | ||
| Q2 24 | — | $-582.3M | ||
| Q1 24 | — | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | 33.3% | -17.7% | ||
| Q3 25 | -7.0% | -33.6% | ||
| Q2 25 | 19.4% | -34.8% | ||
| Q1 25 | -72.0% | -65.0% | ||
| Q4 24 | — | -84.4% | ||
| Q3 24 | — | -493.2% | ||
| Q2 24 | — | -1705.5% | ||
| Q1 24 | — | -267.0% |
| Q4 25 | 22.9% | -33.9% | ||
| Q3 25 | -3.2% | -62.2% | ||
| Q2 25 | 15.0% | 527.8% | ||
| Q1 25 | -50.5% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | — | -506.3% | ||
| Q2 24 | — | -1712.6% | ||
| Q1 24 | — | -283.9% |
| Q4 25 | — | $-4.40 | ||
| Q3 25 | $-0.05 | $-2.84 | ||
| Q2 25 | — | $-1.79 | ||
| Q1 25 | — | $-0.15 | ||
| Q4 24 | — | $-15.29 | ||
| Q3 24 | — | $-18.24 | ||
| Q2 24 | — | $-71.81 | ||
| Q1 24 | — | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $-249.4M |
| Total Assets | $2.8B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $48.9M | ||
| Q3 25 | $208.3M | $43.1M | ||
| Q2 25 | $592.5M | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
| Q4 25 | $379.0M | $-249.4M | ||
| Q3 25 | $372.0M | $-235.7M | ||
| Q2 25 | $191.4M | $-214.1M | ||
| Q1 25 | $186.1M | $-417.5M | ||
| Q4 24 | — | $-398.4M | ||
| Q3 24 | — | $-344.1M | ||
| Q2 24 | — | $-203.2M | ||
| Q1 24 | — | $371.6M |
| Q4 25 | $2.8B | $308.9M | ||
| Q3 25 | $2.8B | $362.6M | ||
| Q2 25 | $3.0B | $379.2M | ||
| Q1 25 | $2.7B | $405.1M | ||
| Q4 24 | — | $437.4M | ||
| Q3 24 | — | $537.8M | ||
| Q2 24 | — | $691.5M | ||
| Q1 24 | — | $1.3B |
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 | $8.2M |
| Free Cash FlowOCF − Capex | $24.1M | — |
| FCF MarginFCF / Revenue | 89.9% | — |
| Capex IntensityCapex / Revenue | 16.0% | — |
| Cash ConversionOCF / Net Profit | 5.32× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $8.2M | ||
| Q3 25 | $24.1M | $11.4M | ||
| Q2 25 | $-2.3M | $-21.3M | ||
| Q1 25 | $-2.2M | $8.5M | ||
| Q4 24 | — | $-14.7M | ||
| Q3 24 | — | $-9.4M | ||
| Q2 24 | — | $-11.9M | ||
| Q1 24 | — | $-621.0K |
| Q4 25 | $24.1M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 89.9% | — | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | -12.8% | — | ||
| Q1 25 | -16.9% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 16.0% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 7.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | -0.11× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
