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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $18.6M, roughly 1.4× Zeo Energy Corp.). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs -10.8%, a 33.7% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $2.3M).
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.
AVBC vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $18.6M |
| Net Profit | $5.3M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 33.3% | -11.8% |
| Net Margin | 22.9% | -10.8% |
| Revenue YoY | — | -0.4% |
| Net Profit YoY | — | -360.9% |
| 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.
| Q4 25 | $26.8M | $18.6M | ||
| Q3 25 | $28.0M | $23.9M | ||
| Q2 25 | $25.9M | $18.1M | ||
| Q1 25 | $22.9M | $8.8M | ||
| Q4 24 | — | $18.6M | ||
| Q3 24 | — | $19.7M | ||
| Q2 24 | — | $14.8M | ||
| Q1 24 | — | $20.1M |
| Q4 25 | $5.3M | $-2.0M | ||
| Q3 25 | $-907.0K | $-3.2M | ||
| Q2 25 | $3.9M | $-2.4M | ||
| Q1 25 | $-11.6M | $-6.4M | ||
| Q4 24 | — | $-435.3K | ||
| Q3 24 | — | $-424.3K | ||
| Q2 24 | — | $-277.8K | ||
| Q1 24 | — | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 33.3% | -11.8% | ||
| Q3 25 | -7.0% | -8.3% | ||
| Q2 25 | 19.4% | -15.8% | ||
| Q1 25 | -72.0% | -153.8% | ||
| Q4 24 | — | -6.0% | ||
| Q3 24 | — | -15.2% | ||
| Q2 24 | — | -18.0% | ||
| Q1 24 | — | -20.1% |
| Q4 25 | 22.9% | -10.8% | ||
| Q3 25 | -3.2% | -13.5% | ||
| Q2 25 | 15.0% | -13.3% | ||
| Q1 25 | -50.5% | -72.4% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | — | -2.2% | ||
| Q2 24 | — | -1.9% | ||
| Q1 24 | — | -7.6% |
| Q4 25 | — | — | ||
| Q3 25 | $-0.05 | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $-0.48 | ||
| Q4 24 | — | $1.11 | ||
| Q3 24 | — | $-0.08 | ||
| Q2 24 | — | $0.03 | ||
| Q1 24 | — | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $379.0M | $5.3M |
| Total Assets | $2.8B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $6.1M | ||
| Q3 25 | $208.3M | $3.9M | ||
| Q2 25 | $592.5M | $68.7K | ||
| Q1 25 | — | $2.9M | ||
| Q4 24 | — | $5.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | — | $5.3M | ||
| Q1 24 | — | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $379.0M | $5.3M | ||
| Q3 25 | $372.0M | $-1.7M | ||
| Q2 25 | $191.4M | $-59.4M | ||
| Q1 25 | $186.1M | $-23.1M | ||
| Q4 24 | — | $-88.9M | ||
| Q3 24 | — | $-39.3M | ||
| Q2 24 | — | $-53.0M | ||
| Q1 24 | — | $-173.0M |
| Q4 25 | $2.8B | $56.9M | ||
| Q3 25 | $2.8B | $58.5M | ||
| Q2 25 | $3.0B | $46.2M | ||
| Q1 25 | $2.7B | $47.4M | ||
| Q4 24 | — | $61.0M | ||
| Q3 24 | — | $47.1M | ||
| Q2 24 | — | $49.1M | ||
| Q1 24 | — | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $24.1M | $2.3M |
| FCF MarginFCF / Revenue | 89.9% | 12.2% |
| Capex IntensityCapex / Revenue | 16.0% | 0.9% |
| Cash ConversionOCF / Net Profit | 5.32× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $2.4M | ||
| Q3 25 | $24.1M | $-6.6M | ||
| Q2 25 | $-2.3M | $-2.3M | ||
| Q1 25 | $-2.2M | $-2.3M | ||
| Q4 24 | — | $3.5M | ||
| Q3 24 | — | $162.2K | ||
| Q2 24 | — | $-2.2M | ||
| Q1 24 | — | $-10.2M |
| Q4 25 | $24.1M | $2.3M | ||
| Q3 25 | $23.3M | $-6.8M | ||
| Q2 25 | $-3.3M | $-2.7M | ||
| Q1 25 | $-3.9M | $-2.6M | ||
| Q4 24 | — | $3.4M | ||
| Q3 24 | — | $116.5K | ||
| Q2 24 | — | $-2.3M | ||
| Q1 24 | — | $-10.4M |
| Q4 25 | 89.9% | 12.2% | ||
| Q3 25 | 83.2% | -28.6% | ||
| Q2 25 | -12.8% | -15.0% | ||
| Q1 25 | -16.9% | -30.0% | ||
| Q4 24 | — | 18.2% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | -15.6% | ||
| Q1 24 | — | -51.5% |
| Q4 25 | 16.0% | 0.9% | ||
| Q3 25 | 3.1% | 1.0% | ||
| Q2 25 | 3.7% | 2.4% | ||
| Q1 25 | 7.2% | 4.2% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 5.32× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
