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Side-by-side financial comparison of Bluerock Homes Trust, Inc. (BHM) and ECB Bancorp, Inc. (ECBK). Click either name above to swap in a different company.
Bluerock Homes Trust, Inc. is the larger business by last-quarter revenue ($18.9M vs $9.5M, roughly 2.0× ECB Bancorp, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -50.1%, a 77.4% gap on every dollar of revenue. On growth, Bluerock Homes Trust, Inc. posted the faster year-over-year revenue change (35.9% vs 33.8%). Bluerock Homes Trust, Inc. produced more free cash flow last quarter ($10.4M vs $9.0M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 23.8%).
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
ECB Bancorp, Inc. (MD) is a US-based bank holding company. It offers a full suite of retail and commercial banking products including deposit accounts, consumer loans, commercial financing and wealth management solutions, primarily serving individuals and small-to-mid enterprises across local markets in Maryland.
BHM vs ECBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $9.5M |
| Net Profit | $-9.5M | $2.6M |
| Gross Margin | — | — |
| Operating Margin | -48.8% | 36.7% |
| Net Margin | -50.1% | 27.3% |
| Revenue YoY | 35.9% | 33.8% |
| Net Profit YoY | -29.9% | 79.5% |
| EPS (diluted) | $-0.75 | $0.32 |
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 | $18.9M | $9.5M | ||
| Q3 25 | $16.6M | $8.8M | ||
| Q2 25 | $16.8M | $8.0M | ||
| Q1 25 | $16.4M | $6.9M | ||
| Q4 24 | $13.9M | $7.1M | ||
| Q3 24 | $12.7M | $6.6M | ||
| Q2 24 | $12.5M | $6.3M | ||
| Q1 24 | $11.2M | $6.2M |
| Q4 25 | $-9.5M | $2.6M | ||
| Q3 25 | $-10.0M | $2.4M | ||
| Q2 25 | $-5.8M | $1.4M | ||
| Q1 25 | $-7.3M | $1.3M | ||
| Q4 24 | $-7.3M | $1.4M | ||
| Q3 24 | $3.5M | $1.1M | ||
| Q2 24 | $-5.2M | $791.0K | ||
| Q1 24 | $-3.2M | $621.0K |
| Q4 25 | -48.8% | 36.7% | ||
| Q3 25 | -57.6% | 37.0% | ||
| Q2 25 | -30.9% | 23.9% | ||
| Q1 25 | -42.6% | 24.9% | ||
| Q4 24 | -52.8% | 27.3% | ||
| Q3 24 | 27.9% | 23.3% | ||
| Q2 24 | -41.3% | 16.9% | ||
| Q1 24 | -28.4% | 13.4% |
| Q4 25 | -50.1% | 27.3% | ||
| Q3 25 | -60.0% | 27.7% | ||
| Q2 25 | -34.7% | 18.0% | ||
| Q1 25 | -44.7% | 18.7% | ||
| Q4 24 | -52.8% | 20.3% | ||
| Q3 24 | 27.9% | 17.2% | ||
| Q2 24 | -41.3% | 12.6% | ||
| Q1 24 | -28.4% | 10.0% |
| Q4 25 | $-0.75 | $0.32 | ||
| Q3 25 | $-0.94 | $0.29 | ||
| Q2 25 | $-0.66 | $0.17 | ||
| Q1 25 | $-0.67 | $0.16 | ||
| Q4 24 | $-0.65 | $0.18 | ||
| Q3 24 | $0.24 | $0.14 | ||
| Q2 24 | $-0.42 | $0.09 | ||
| Q1 24 | $-0.27 | $0.07 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $169.6M | $82.8M |
| Total DebtLower is stronger | $428.4M | — |
| Stockholders' EquityBook value | $128.7M | $171.9M |
| Total Assets | $1.2B | $1.6B |
| Debt / EquityLower = less leverage | 3.33× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $169.6M | $82.8M | ||
| Q3 25 | $2.1M | $201.9M | ||
| Q2 25 | $4.2M | $191.0M | ||
| Q1 25 | $3.0M | $143.7M | ||
| Q4 24 | $115.2M | $309.4M | ||
| Q3 24 | $155.1M | $114.8M | ||
| Q2 24 | $116.0M | $108.7M | ||
| Q1 24 | $92.3M | $109.8M |
| Q4 25 | $428.4M | — | ||
| Q3 25 | $415.9M | — | ||
| Q2 25 | $338.6M | — | ||
| Q1 25 | $336.5M | — | ||
| Q4 24 | $373.8M | — | ||
| Q3 24 | $122.5M | — | ||
| Q2 24 | $119.7M | — | ||
| Q1 24 | $120.2M | — |
| Q4 25 | $128.7M | $171.9M | ||
| Q3 25 | $131.7M | $169.3M | ||
| Q2 25 | $135.3M | $168.3M | ||
| Q1 25 | $137.1M | $168.6M | ||
| Q4 24 | $139.1M | $168.3M | ||
| Q3 24 | $142.9M | $166.0M | ||
| Q2 24 | $142.5M | $166.5M | ||
| Q1 24 | $144.5M | $165.8M |
| Q4 25 | $1.2B | $1.6B | ||
| Q3 25 | $222.1M | $1.6B | ||
| Q2 25 | $220.3M | $1.5B | ||
| Q1 25 | $186.2M | $1.5B | ||
| Q4 24 | $967.0M | $1.4B | ||
| Q3 24 | $800.8M | $1.4B | ||
| Q2 24 | $756.2M | $1.3B | ||
| Q1 24 | $727.4M | $1.3B |
| Q4 25 | 3.33× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 2.45× | — | ||
| Q4 24 | 2.69× | — | ||
| Q3 24 | 0.86× | — | ||
| Q2 24 | 0.84× | — | ||
| Q1 24 | 0.83× | — |
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 | $27.8M | $9.2M |
| Free Cash FlowOCF − Capex | $10.4M | $9.0M |
| FCF MarginFCF / Revenue | 55.0% | 94.7% |
| Capex IntensityCapex / Revenue | 91.8% | 2.2% |
| Cash ConversionOCF / Net Profit | — | 3.55× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $14.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.8M | $9.2M | ||
| Q3 25 | $13.4M | $4.0M | ||
| Q2 25 | $13.9M | $1.9M | ||
| Q1 25 | $951.0K | $-631.0K | ||
| Q4 24 | $9.1M | $6.2M | ||
| Q3 24 | $1.7M | $861.0K | ||
| Q2 24 | $1.3M | $1.4M | ||
| Q1 24 | $1.1M | $-429.0K |
| Q4 25 | $10.4M | $9.0M | ||
| Q3 25 | $8.7M | $4.0M | ||
| Q2 25 | $8.8M | $1.8M | ||
| Q1 25 | $-2.9M | $-649.0K | ||
| Q4 24 | $-253.0K | $6.2M | ||
| Q3 24 | $-601.0K | — | ||
| Q2 24 | $-654.0K | $1.3M | ||
| Q1 24 | $-630.0K | $-449.0K |
| Q4 25 | 55.0% | 94.7% | ||
| Q3 25 | 52.4% | 44.9% | ||
| Q2 25 | 52.2% | 23.0% | ||
| Q1 25 | -17.6% | -9.4% | ||
| Q4 24 | -1.8% | 86.8% | ||
| Q3 24 | -4.7% | — | ||
| Q2 24 | -5.2% | 21.4% | ||
| Q1 24 | -5.6% | -7.2% |
| Q4 25 | 91.8% | 2.2% | ||
| Q3 25 | 28.5% | 0.8% | ||
| Q2 25 | 30.3% | 0.6% | ||
| Q1 25 | 23.4% | 0.3% | ||
| Q4 24 | 66.9% | 0.8% | ||
| Q3 24 | 18.0% | 0.0% | ||
| Q2 24 | 15.3% | 0.6% | ||
| Q1 24 | 15.5% | 0.3% |
| Q4 25 | — | 3.55× | ||
| Q3 25 | — | 1.65× | ||
| Q2 25 | — | 1.32× | ||
| Q1 25 | — | -0.49× | ||
| Q4 24 | — | 4.31× | ||
| Q3 24 | 0.47× | 0.76× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | -0.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
ECBK
Segment breakdown not available.
