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Side-by-side financial comparison of Blue Foundry Bancorp (BLFY) and ECB Bancorp, Inc. (ECBK). Click either name above to swap in a different company.
Blue Foundry Bancorp is the larger business by last-quarter revenue ($12.8M vs $9.2M, roughly 1.4× ECB Bancorp, Inc.). ECB Bancorp, Inc. runs the higher net margin — 28.4% vs -27.4%, a 55.7% gap on every dollar of revenue. On growth, Blue Foundry Bancorp posted the faster year-over-year revenue change (35.2% vs 35.0%). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (24.5% CAGR vs 16.6%).
Blue Foundry Bancorp is a regional bank holding company based in New Jersey, United States. It offers a comprehensive range of personal and commercial banking products, including deposit accounts, consumer loans, mortgage services, and business financing solutions, serving local individual consumers and small to medium-sized enterprises.
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.
BLFY vs ECBK — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $12.8M | $9.2M |
| Net Profit | $-3.5M | $2.6M |
| Gross Margin | — | — |
| Operating Margin | — | 38.1% |
| Net Margin | -27.4% | 28.4% |
| Revenue YoY | 35.2% | 35.0% |
| Net Profit YoY | -30.6% | 79.5% |
| EPS (diluted) | $-0.18 | $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 | $12.8M | $9.2M | ||
| Q3 25 | $12.2M | $8.5M | ||
| Q2 25 | $11.6M | $7.7M | ||
| Q1 25 | $10.7M | $6.6M | ||
| Q4 24 | $9.5M | $6.8M | ||
| Q3 24 | $9.1M | $6.3M | ||
| Q2 24 | $9.6M | $6.0M | ||
| Q1 24 | $9.4M | $5.9M |
| Q4 25 | $-3.5M | $2.6M | ||
| Q3 25 | $-1.9M | $2.4M | ||
| Q2 25 | $-2.0M | $1.4M | ||
| Q1 25 | $-2.7M | $1.3M | ||
| Q4 24 | $-2.7M | $1.4M | ||
| Q3 24 | $-4.0M | $1.1M | ||
| Q2 24 | $-2.3M | $791.0K | ||
| Q1 24 | $-2.8M | $621.0K |
| Q4 25 | — | 38.1% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 25.0% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 24.4% | ||
| Q2 24 | — | 17.7% | ||
| Q1 24 | — | 14.1% |
| Q4 25 | -27.4% | 28.4% | ||
| Q3 25 | -15.3% | 28.8% | ||
| Q2 25 | -16.8% | 18.8% | ||
| Q1 25 | -25.1% | 19.5% | ||
| Q4 24 | -28.4% | 21.3% | ||
| Q3 24 | -44.5% | 18.0% | ||
| Q2 24 | -24.5% | 13.2% | ||
| Q1 24 | -30.1% | 10.5% |
| Q4 25 | $-0.18 | $0.32 | ||
| Q3 25 | $-0.10 | $0.29 | ||
| Q2 25 | $-0.10 | $0.17 | ||
| Q1 25 | $-0.13 | $0.16 | ||
| Q4 24 | $-0.12 | $0.18 | ||
| Q3 24 | $-0.19 | $0.14 | ||
| Q2 24 | $-0.11 | $0.09 | ||
| Q1 24 | $-0.13 | $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 | $53.1M | $82.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $312.7M | $171.9M |
| Total Assets | $2.2B | $1.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.1M | $82.8M | ||
| Q3 25 | $44.1M | $201.9M | ||
| Q2 25 | $41.9M | $191.0M | ||
| Q1 25 | $46.2M | $143.7M | ||
| Q4 24 | $42.5M | $309.4M | ||
| Q3 24 | $76.1M | $114.8M | ||
| Q2 24 | $60.3M | $108.7M | ||
| Q1 24 | $53.8M | $109.8M |
| Q4 25 | $312.7M | $171.9M | ||
| Q3 25 | $314.4M | $169.3M | ||
| Q2 25 | $321.3M | $168.3M | ||
| Q1 25 | $326.7M | $168.6M | ||
| Q4 24 | $332.2M | $168.3M | ||
| Q3 24 | $339.3M | $166.0M | ||
| Q2 24 | $345.6M | $166.5M | ||
| Q1 24 | $350.2M | $165.8M |
| Q4 25 | $2.2B | $1.6B | ||
| Q3 25 | $2.2B | $1.6B | ||
| Q2 25 | $2.1B | $1.5B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.1B | $1.4B | ||
| Q3 24 | $2.1B | $1.4B | ||
| Q2 24 | $2.0B | $1.3B | ||
| Q1 24 | $2.0B | $1.3B |
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 | $-6.0M | $3.9M |
| Free Cash FlowOCF − Capex | — | $3.9M |
| FCF MarginFCF / Revenue | — | 42.1% |
| Capex IntensityCapex / Revenue | — | 0.8% |
| Cash ConversionOCF / Net Profit | — | 1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $9.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.0M | $3.9M | ||
| Q3 25 | $-255.0K | $4.0M | ||
| Q2 25 | $2.0M | $1.9M | ||
| Q1 25 | $-3.8M | $-631.0K | ||
| Q4 24 | $-512.0K | $4.4M | ||
| Q3 24 | $-3.7M | $861.0K | ||
| Q2 24 | $14.1M | $1.4M | ||
| Q1 24 | $-4.9M | $-429.0K |
| Q4 25 | — | $3.9M | ||
| Q3 25 | — | $4.0M | ||
| Q2 25 | — | $1.8M | ||
| Q1 25 | — | $-649.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $1.3M | ||
| Q1 24 | $-4.9M | $-449.0K |
| Q4 25 | — | 42.1% | ||
| Q3 25 | — | 46.8% | ||
| Q2 25 | — | 24.1% | ||
| Q1 25 | — | -9.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 22.4% | ||
| Q1 24 | -51.7% | -7.6% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | 0.1% | 0.3% |
| Q4 25 | — | 1.51× | ||
| Q3 25 | — | 1.65× | ||
| Q2 25 | — | 1.32× | ||
| Q1 25 | — | -0.49× | ||
| Q4 24 | — | 3.05× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | -0.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
