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Side-by-side financial comparison of BCB BANCORP INC (BCBP) and SPRUCE POWER HOLDING CORP (SPRU). Click either name above to swap in a different company.
BCB BANCORP INC is the larger business by last-quarter revenue ($26.2M vs $24.0M, roughly 1.1× SPRUCE POWER HOLDING CORP). SPRUCE POWER HOLDING CORP runs the higher net margin — -28.6% vs -49.7%, a 21.1% gap on every dollar of revenue. On growth, SPRUCE POWER HOLDING CORP posted the faster year-over-year revenue change (20.4% vs 13.1%). BCB BANCORP INC produced more free cash flow last quarter ($34.9M vs $-3.3M). Over the past eight quarters, SPRUCE POWER HOLDING CORP's revenue compounded faster (14.6% CAGR vs 1.8%).
Spruce Finance is an American consumer finance company specializing in the residential solar finance and efficiency home improvement sectors in the U.S.
BCBP vs SPRU — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.2M | $24.0M |
| Net Profit | $-12.0M | $-6.9M |
| Gross Margin | — | — |
| Operating Margin | -71.9% | 9.4% |
| Net Margin | -49.7% | -28.6% |
| Revenue YoY | 13.1% | 20.4% |
| Net Profit YoY | -467.6% | -15.8% |
| EPS (diluted) | $-0.73 | $-0.38 |
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 | $26.2M | $24.0M | ||
| Q3 25 | $26.5M | $30.7M | ||
| Q2 25 | $25.2M | $33.2M | ||
| Q1 25 | $23.8M | $23.8M | ||
| Q4 24 | $23.1M | $20.0M | ||
| Q3 24 | $26.2M | $21.4M | ||
| Q2 24 | $20.4M | $22.5M | ||
| Q1 24 | $25.3M | $18.3M |
| Q4 25 | $-12.0M | $-6.9M | ||
| Q3 25 | $4.3M | $-860.0K | ||
| Q2 25 | $3.6M | $-3.0M | ||
| Q1 25 | $-8.3M | $-15.3M | ||
| Q4 24 | $3.3M | $-5.9M | ||
| Q3 24 | $6.7M | $-53.5M | ||
| Q2 24 | $2.8M | $-8.6M | ||
| Q1 24 | $5.9M | $-2.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 54.9% | ||
| Q1 24 | — | 51.5% |
| Q4 25 | -71.9% | 9.4% | ||
| Q3 25 | 21.9% | 27.6% | ||
| Q2 25 | 19.9% | 26.8% | ||
| Q1 25 | -49.2% | -7.1% | ||
| Q4 24 | 19.9% | -31.4% | ||
| Q3 24 | 35.7% | -173.8% | ||
| Q2 24 | 19.5% | -14.9% | ||
| Q1 24 | 33.0% | -19.7% |
| Q4 25 | -49.7% | -28.6% | ||
| Q3 25 | 16.1% | -2.8% | ||
| Q2 25 | 14.2% | -8.9% | ||
| Q1 25 | -35.0% | -64.4% | ||
| Q4 24 | 14.1% | -29.7% | ||
| Q3 24 | 25.5% | -250.4% | ||
| Q2 24 | 13.8% | -38.2% | ||
| Q1 24 | 23.2% | -13.4% |
| Q4 25 | $-0.73 | $-0.38 | ||
| Q3 25 | $0.22 | $-0.05 | ||
| Q2 25 | $0.18 | $-0.17 | ||
| Q1 25 | $-0.51 | $-0.84 | ||
| Q4 24 | $0.17 | $-0.36 | ||
| Q3 24 | $0.36 | $-2.88 | ||
| Q2 24 | $0.14 | $-0.45 | ||
| Q1 24 | $0.32 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $54.8M |
| Total DebtLower is stronger | — | $695.5M |
| Stockholders' EquityBook value | $304.3M | $121.3M |
| Total Assets | $3.3B | $837.3M |
| Debt / EquityLower = less leverage | — | 5.74× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $54.8M | ||
| Q3 25 | — | $53.6M | ||
| Q2 25 | — | $53.5M | ||
| Q1 25 | — | $61.9M | ||
| Q4 24 | — | $72.8M | ||
| Q3 24 | — | $113.7M | ||
| Q2 24 | — | $116.6M | ||
| Q1 24 | — | $120.6M |
| Q4 25 | — | $695.5M | ||
| Q3 25 | — | $705.6M | ||
| Q2 25 | — | $717.1M | ||
| Q1 25 | — | $723.8M | ||
| Q4 24 | — | $730.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $304.3M | $121.3M | ||
| Q3 25 | $318.5M | $124.9M | ||
| Q2 25 | $315.7M | $125.0M | ||
| Q1 25 | $314.7M | $130.8M | ||
| Q4 24 | $323.9M | $143.7M | ||
| Q3 24 | $328.1M | $151.6M | ||
| Q2 24 | $320.7M | $204.6M | ||
| Q1 24 | $320.1M | $213.0M |
| Q4 25 | $3.3B | $837.3M | ||
| Q3 25 | $3.4B | $857.1M | ||
| Q2 25 | $3.4B | $862.6M | ||
| Q1 25 | $3.5B | $878.0M | ||
| Q4 24 | $3.6B | $898.5M | ||
| Q3 24 | $3.6B | $806.8M | ||
| Q2 24 | $3.8B | $858.4M | ||
| Q1 24 | $3.8B | $867.9M |
| Q4 25 | — | 5.74× | ||
| Q3 25 | — | 5.65× | ||
| Q2 25 | — | 5.74× | ||
| Q1 25 | — | 5.53× | ||
| Q4 24 | — | 5.08× | ||
| 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 | $35.9M | $-3.3M |
| Free Cash FlowOCF − Capex | $34.9M | $-3.3M |
| FCF MarginFCF / Revenue | 133.3% | -13.7% |
| Capex IntensityCapex / Revenue | 4.0% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $58.2M | $-3.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $35.9M | $-3.3M | ||
| Q3 25 | $8.7M | $11.2M | ||
| Q2 25 | $10.3M | $-2.3M | ||
| Q1 25 | $5.0M | $-9.1M | ||
| Q4 24 | $67.7M | $-13.5M | ||
| Q3 24 | $43.5M | $-1.1M | ||
| Q2 24 | $8.1M | $-5.1M | ||
| Q1 24 | $8.3M | $-22.2M |
| Q4 25 | $34.9M | $-3.3M | ||
| Q3 25 | $8.5M | $11.2M | ||
| Q2 25 | $10.2M | $-2.4M | ||
| Q1 25 | $4.7M | $-9.2M | ||
| Q4 24 | $66.5M | $-13.6M | ||
| Q3 24 | $43.4M | $-1.1M | ||
| Q2 24 | $8.1M | $-5.2M | ||
| Q1 24 | $8.1M | $-22.3M |
| Q4 25 | 133.3% | -13.7% | ||
| Q3 25 | 32.0% | 36.5% | ||
| Q2 25 | 40.4% | -7.3% | ||
| Q1 25 | 19.8% | -38.7% | ||
| Q4 24 | 287.5% | -68.3% | ||
| Q3 24 | 166.0% | -5.1% | ||
| Q2 24 | 39.6% | -23.1% | ||
| Q1 24 | 32.3% | -121.7% |
| Q4 25 | 4.0% | 0.0% | ||
| Q3 25 | 1.1% | 0.1% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 1.2% | 0.4% | ||
| Q4 24 | 5.3% | 0.9% | ||
| Q3 24 | 0.3% | 0.1% | ||
| Q2 24 | 0.2% | 0.4% | ||
| Q1 24 | 0.6% | 0.4% |
| Q4 25 | — | — | ||
| Q3 25 | 2.05× | — | ||
| Q2 25 | 2.90× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 20.70× | — | ||
| Q3 24 | 6.53× | — | ||
| Q2 24 | 2.88× | — | ||
| Q1 24 | 1.41× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
