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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and VersaBank (VBNK). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $26.7M, roughly 1.0× VersaBank). VersaBank runs the higher net margin — 30.3% vs 22.9%, a 7.4% 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.
VersaBank is a Canada-based digital-first financial institution offering commercial lending, high-interest deposit accounts and customized financial services for SMEs, retail clients and institutional partners across North America. It operates no physical branches, using secure digital infrastructure to deliver efficient, cost-effective banking experiences.
AVBC vs VBNK — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $26.7M |
| Net Profit | $5.3M | $8.1M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | — |
| Net Margin | 22.9% | 30.3% |
| Revenue YoY | — | 31.2% |
| Net Profit YoY | — | 35.9% |
| 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.
| Q1 26 | — | $26.7M | ||
| Q4 25 | $26.8M | — | ||
| Q3 25 | $28.0M | $23.1M | ||
| Q2 25 | $25.9M | $22.0M | ||
| Q1 25 | $22.9M | $20.3M | ||
| Q3 24 | — | $19.7M | ||
| Q2 24 | — | $20.8M | ||
| Q1 24 | — | $21.1M |
| Q1 26 | — | $8.1M | ||
| Q4 25 | $5.3M | — | ||
| Q3 25 | $-907.0K | $4.8M | ||
| Q2 25 | $3.9M | $6.2M | ||
| Q1 25 | $-11.6M | $5.9M | ||
| Q3 24 | — | $7.1M | ||
| Q2 24 | — | $8.6M | ||
| Q1 24 | — | $9.3M |
| Q1 26 | — | — | ||
| Q4 25 | 33.3% | — | ||
| Q3 25 | -7.0% | — | ||
| Q2 25 | 19.4% | — | ||
| Q1 25 | -72.0% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q1 26 | — | 30.3% | ||
| Q4 25 | 22.9% | — | ||
| Q3 25 | -3.2% | 20.8% | ||
| Q2 25 | 15.0% | 28.3% | ||
| Q1 25 | -50.5% | 29.3% | ||
| Q3 24 | — | 35.9% | ||
| Q2 24 | — | 41.5% | ||
| Q1 24 | — | 44.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $-0.05 | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $458.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $396.4M |
| Total Assets | $2.8B | $4.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $458.4M | ||
| Q4 25 | $275.0M | — | ||
| Q3 25 | $208.3M | $336.0M | ||
| Q2 25 | $592.5M | $248.3M | ||
| Q1 25 | — | $282.3M | ||
| Q3 24 | — | $181.0M | ||
| Q2 24 | — | $145.1M | ||
| Q1 24 | — | $93.1M |
| Q1 26 | — | $396.4M | ||
| Q4 25 | $379.0M | — | ||
| Q3 25 | $372.0M | $385.5M | ||
| Q2 25 | $191.4M | $385.7M | ||
| Q1 25 | $186.1M | $380.5M | ||
| Q3 24 | — | $298.6M | ||
| Q2 24 | — | $292.1M | ||
| Q1 24 | — | $284.0M |
| Q1 26 | — | $4.5B | ||
| Q4 25 | $2.8B | — | ||
| Q3 25 | $2.8B | $4.0B | ||
| Q2 25 | $3.0B | $3.7B | ||
| Q1 25 | $2.7B | $3.6B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $3.1B |
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 | $40.6M |
| Free Cash FlowOCF − Capex | $24.1M | — |
| FCF MarginFCF / Revenue | 89.9% | — |
| Capex IntensityCapex / Revenue | 16.0% | — |
| Cash ConversionOCF / Net Profit | 5.32× | 5.03× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $40.6M | ||
| Q4 25 | $28.4M | — | ||
| Q3 25 | $24.1M | — | ||
| Q2 25 | $-2.3M | — | ||
| Q1 25 | $-2.2M | $-65.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $-13.2M |
| Q1 26 | — | — | ||
| Q4 25 | $24.1M | — | ||
| Q3 25 | $23.3M | — | ||
| Q2 25 | $-3.3M | — | ||
| Q1 25 | $-3.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 89.9% | — | ||
| Q3 25 | 83.2% | — | ||
| Q2 25 | -12.8% | — | ||
| Q1 25 | -16.9% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 16.0% | — | ||
| Q3 25 | 3.1% | — | ||
| Q2 25 | 3.7% | — | ||
| Q1 25 | 7.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q1 26 | — | 5.03× | ||
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | -10.94× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -1.43× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
