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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and YORK WATER CO (YORW). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $19.4M, roughly 1.4× YORK WATER CO). YORK WATER CO runs the higher net margin — 26.7% vs 22.9%, a 3.8% 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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
AVBC vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $19.4M |
| Net Profit | $5.3M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | 33.2% |
| Net Margin | 22.9% | 26.7% |
| Revenue YoY | — | 3.2% |
| Net Profit YoY | — | 0.5% |
| EPS (diluted) | — | $0.36 |
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 | $19.4M | ||
| Q3 25 | $28.0M | $20.2M | ||
| Q2 25 | $25.9M | $19.1M | ||
| Q1 25 | $22.9M | $18.3M | ||
| Q4 24 | — | $18.8M | ||
| Q3 24 | — | $19.6M | ||
| Q2 24 | — | $18.6M | ||
| Q1 24 | — | $17.5M |
| Q4 25 | $5.3M | $5.2M | ||
| Q3 25 | $-907.0K | $6.2M | ||
| Q2 25 | $3.9M | $5.1M | ||
| Q1 25 | $-11.6M | $3.6M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $5.9M | ||
| Q2 24 | — | $5.0M | ||
| Q1 24 | — | $4.3M |
| Q4 25 | 33.3% | 33.2% | ||
| Q3 25 | -7.0% | 39.1% | ||
| Q2 25 | 19.4% | 37.1% | ||
| Q1 25 | -72.0% | 34.3% | ||
| Q4 24 | — | 35.8% | ||
| Q3 24 | — | 41.1% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 35.5% |
| Q4 25 | 22.9% | 26.7% | ||
| Q3 25 | -3.2% | 30.6% | ||
| Q2 25 | 15.0% | 26.5% | ||
| Q1 25 | -50.5% | 19.8% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 26.8% | ||
| Q1 24 | — | 24.7% |
| Q4 25 | — | $0.36 | ||
| Q3 25 | $-0.05 | $0.43 | ||
| Q2 25 | — | $0.35 | ||
| Q1 25 | — | $0.25 | ||
| Q4 24 | — | $0.36 | ||
| Q3 24 | — | $0.41 | ||
| Q2 24 | — | $0.35 | ||
| Q1 24 | — | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $240.3M |
| Total Assets | $2.8B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $1.0K | ||
| Q3 25 | $208.3M | $1.0K | ||
| Q2 25 | $592.5M | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| Q4 25 | $379.0M | $240.3M | ||
| Q3 25 | $372.0M | $238.0M | ||
| Q2 25 | $191.4M | $234.6M | ||
| Q1 25 | $186.1M | $232.1M | ||
| Q4 24 | — | $231.2M | ||
| Q3 24 | — | $228.7M | ||
| Q2 24 | — | $225.4M | ||
| Q1 24 | — | $222.9M |
| Q4 25 | $2.8B | $680.9M | ||
| Q3 25 | $2.8B | $667.1M | ||
| Q2 25 | $3.0B | $653.7M | ||
| Q1 25 | $2.7B | $641.8M | ||
| Q4 24 | — | $633.5M | ||
| Q3 24 | — | $621.4M | ||
| Q2 24 | — | $610.4M | ||
| Q1 24 | — | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $24.1M | — |
| FCF MarginFCF / Revenue | 89.9% | — |
| Capex IntensityCapex / Revenue | 16.0% | — |
| Cash ConversionOCF / Net Profit | 5.32× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $8.4M | ||
| Q3 25 | $24.1M | $7.8M | ||
| Q2 25 | $-2.3M | $7.6M | ||
| Q1 25 | $-2.2M | $6.0M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $7.5M | ||
| Q2 24 | — | $6.7M | ||
| Q1 24 | — | $6.1M |
| 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× | 1.63× | ||
| Q3 25 | — | 1.26× | ||
| Q2 25 | -0.60× | 1.50× | ||
| Q1 25 | — | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.34× | ||
| Q1 24 | — | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
