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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Third Coast Bancshares, Inc. (TCBX). Click either name above to swap in a different company.
Third Coast Bancshares, Inc. is the larger business by last-quarter revenue ($57.7M vs $23.3M, roughly 2.5× Avidia Bancorp, Inc.). Third Coast Bancshares, Inc. runs the higher net margin — 28.4% vs 22.9%, a 5.5% 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.
Third Coast Bancshares, Inc. is a regional financial holding company headquartered in the U.S. Gulf Coast region. It provides a full suite of commercial and retail banking services including deposit products, business and consumer loans, mortgage services, and wealth management solutions, serving local small and medium-sized enterprises, individual consumers, and community clients across Texas and surrounding areas.
AVBC vs TCBX — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $23.3M | $57.7M |
| Net Profit | $5.3M | $16.4M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | — |
| Net Margin | 22.9% | 28.4% |
| Revenue YoY | — | — |
| Net Profit YoY | — | 20.5% |
| EPS (diluted) | — | $0.88 |
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.
| Q1 26 | — | $57.7M | ||
| Q4 25 | $23.3M | $52.2M | ||
| Q3 25 | $23.4M | $50.8M | ||
| Q2 25 | $20.6M | $49.4M | ||
| Q1 25 | $19.2M | $42.8M | ||
| Q4 24 | — | $43.4M | ||
| Q3 24 | — | $40.4M | ||
| Q2 24 | — | $38.9M |
| Q1 26 | — | $16.4M | ||
| Q4 25 | $5.3M | $17.9M | ||
| Q3 25 | $-907.0K | $18.1M | ||
| Q2 25 | $3.9M | $16.7M | ||
| Q1 25 | $-11.6M | $13.6M | ||
| Q4 24 | — | $13.7M | ||
| Q3 24 | — | $12.8M | ||
| Q2 24 | — | $10.8M |
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | 41.2% | ||
| Q3 25 | -8.3% | 44.9% | ||
| Q2 25 | 24.4% | 42.6% | ||
| Q1 25 | -85.9% | 40.5% | ||
| Q4 24 | — | 41.3% | ||
| Q3 24 | — | 40.3% | ||
| Q2 24 | — | 36.6% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | 22.9% | 34.3% | ||
| Q3 25 | -3.9% | 35.5% | ||
| Q2 25 | 18.8% | 33.9% | ||
| Q1 25 | -60.3% | 31.8% | ||
| Q4 24 | — | 31.6% | ||
| Q3 24 | — | 31.6% | ||
| Q2 24 | — | 27.8% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | — | $1.02 | ||
| Q3 25 | $-0.05 | $1.03 | ||
| Q2 25 | — | $0.96 | ||
| Q1 25 | — | $0.78 | ||
| Q4 24 | — | $0.80 | ||
| Q3 24 | — | $0.74 | ||
| Q2 24 | — | $0.63 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $650.5M |
| Total Assets | $2.8B | $6.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $275.0M | $175.2M | ||
| Q3 25 | $208.3M | $116.4M | ||
| Q2 25 | $592.5M | $113.1M | ||
| Q1 25 | — | $219.0M | ||
| Q4 24 | — | $371.2M | ||
| Q3 24 | — | $258.2M | ||
| Q2 24 | — | $241.8M |
| Q1 26 | — | $650.5M | ||
| Q4 25 | $379.0M | $531.0M | ||
| Q3 25 | $372.0M | $513.8M | ||
| Q2 25 | $191.4M | $496.1M | ||
| Q1 25 | $186.1M | $479.8M | ||
| Q4 24 | — | $460.7M | ||
| Q3 24 | — | $450.5M | ||
| Q2 24 | — | $435.0M |
| Q1 26 | — | $6.6B | ||
| Q4 25 | $2.8B | $5.3B | ||
| Q3 25 | $2.8B | $5.1B | ||
| Q2 25 | $3.0B | $4.9B | ||
| Q1 25 | $2.7B | $4.9B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $4.5B |
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 | $8.8M | — |
| Free Cash FlowOCF − Capex | $8.0M | — |
| FCF MarginFCF / Revenue | 34.4% | — |
| Capex IntensityCapex / Revenue | 3.4% | — |
| Cash ConversionOCF / Net Profit | 1.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $24.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $8.8M | $5.7M | ||
| Q3 25 | $24.1M | $20.7M | ||
| Q2 25 | $-2.3M | $13.9M | ||
| Q1 25 | $-2.2M | $10.5M | ||
| Q4 24 | — | $-3.6M | ||
| Q3 24 | — | $22.0M | ||
| Q2 24 | — | $7.3M |
| Q1 26 | — | — | ||
| Q4 25 | $8.0M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 34.4% | — | ||
| Q3 25 | 99.2% | — | ||
| Q2 25 | -16.0% | — | ||
| Q1 25 | -20.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 4.7% | — | ||
| Q1 25 | 8.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.65× | 0.32× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | -0.60× | 0.83× | ||
| Q1 25 | — | 0.77× | ||
| Q4 24 | — | -0.26× | ||
| Q3 24 | — | 1.72× | ||
| Q2 24 | — | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
