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Side-by-side financial comparison of CARLSMED, INC. (CARL) and GREENE COUNTY BANCORP INC (GCBC). Click either name above to swap in a different company.
GREENE COUNTY BANCORP INC is the larger business by last-quarter revenue ($22.2M vs $16.1M, roughly 1.4× CARLSMED, INC.). GREENE COUNTY BANCORP INC runs the higher net margin — 46.3% vs 0.3%, a 46.0% gap on every dollar of revenue. On growth, CARLSMED, INC. posted the faster year-over-year revenue change (58.2% vs 23.8%).
Bank of Greene County is an American federally-chartered savings bank headquartered in Catskill, NY. The bank's branches are located in the Upstate New York counties of Greene, Columbia, Albany, Ulster, and Rensselaer.
CARL vs GCBC — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $16.1M | $22.2M |
| Net Profit | $51.8K | $10.3M |
| Gross Margin | 77.1% | — |
| Operating Margin | -34.7% | 52.0% |
| Net Margin | 0.3% | 46.3% |
| Revenue YoY | 58.2% | 23.8% |
| Net Profit YoY | — | 37.4% |
| EPS (diluted) | — | $0.60 |
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.
| Q1 26 | $16.1M | — | ||
| Q4 25 | $15.2M | $22.2M | ||
| Q3 25 | $13.1M | $21.5M | ||
| Q2 25 | $12.1M | $20.5M | ||
| Q1 25 | — | $20.1M | ||
| Q4 24 | — | $17.9M | ||
| Q3 24 | — | $16.9M | ||
| Q2 24 | — | $16.6M |
| Q1 26 | $51.8K | — | ||
| Q4 25 | $82.5K | $10.3M | ||
| Q3 25 | $-8.5M | $8.9M | ||
| Q2 25 | $-6.8M | $9.3M | ||
| Q1 25 | — | $8.1M | ||
| Q4 24 | — | $7.5M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $6.7M |
| Q1 26 | 77.1% | — | ||
| Q4 25 | 76.5% | — | ||
| Q3 25 | 75.9% | — | ||
| Q2 25 | 73.4% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | -34.7% | — | ||
| Q4 25 | -38.0% | 52.0% | ||
| Q3 25 | -69.1% | 47.4% | ||
| Q2 25 | -53.8% | 53.5% | ||
| Q1 25 | — | 44.6% | ||
| Q4 24 | — | 45.0% | ||
| Q3 24 | — | 39.6% | ||
| Q2 24 | — | 41.2% |
| Q1 26 | 0.3% | — | ||
| Q4 25 | 0.5% | 46.3% | ||
| Q3 25 | -65.2% | 41.2% | ||
| Q2 25 | -56.0% | 45.6% | ||
| Q1 25 | — | 40.1% | ||
| Q4 24 | — | 41.7% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 40.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | $0.60 | ||
| Q3 25 | $-0.40 | $0.52 | ||
| Q2 25 | $-1.47 | $0.55 | ||
| Q1 25 | — | $0.47 | ||
| Q4 24 | — | $0.44 | ||
| Q3 24 | — | $0.37 | ||
| Q2 24 | — | $0.39 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $97.0M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | — | $258.3M |
| Total Assets | $118.8M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $97.0M | — | ||
| Q4 25 | $109.8M | — | ||
| Q3 25 | $115.4M | — | ||
| Q2 25 | $33.5M | — | ||
| Q1 25 | — | $155.5M | ||
| Q4 24 | — | $166.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $190.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $15.4M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $258.3M | ||
| Q3 25 | $106.7M | $248.2M | ||
| Q2 25 | $-83.1M | $238.8M | ||
| Q1 25 | — | $229.0M | ||
| Q4 24 | — | $218.4M | ||
| Q3 24 | — | $216.3M | ||
| Q2 24 | — | $206.0M |
| Q1 26 | $118.8M | — | ||
| Q4 25 | $130.1M | $3.1B | ||
| Q3 25 | $134.9M | $3.1B | ||
| Q2 25 | $53.3M | $3.0B | ||
| Q1 25 | — | $3.0B | ||
| Q4 24 | — | $3.0B | ||
| Q3 24 | — | $2.9B | ||
| Q2 24 | — | $2.8B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.14× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 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 | — | $6.4M |
| Free Cash FlowOCF − Capex | — | $6.2M |
| FCF MarginFCF / Revenue | — | 28.0% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 0.62× |
| TTM Free Cash FlowTrailing 4 quarters | — | $47.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $6.4M | ||
| Q3 25 | $-8.5M | $7.0M | ||
| Q2 25 | $-15.2M | $28.0M | ||
| Q1 25 | — | $7.3M | ||
| Q4 24 | — | $5.3M | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $24.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $6.2M | ||
| Q3 25 | $-8.6M | $6.5M | ||
| Q2 25 | $-15.6M | $27.3M | ||
| Q1 25 | — | $7.3M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $2.0M | ||
| Q2 24 | — | $23.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | -65.9% | 30.4% | ||
| Q2 25 | -129.2% | 133.3% | ||
| Q1 25 | — | 36.1% | ||
| Q4 24 | — | 28.6% | ||
| Q3 24 | — | 11.8% | ||
| Q2 24 | — | 141.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.9% | ||
| Q3 25 | 1.2% | 1.9% | ||
| Q2 25 | 3.4% | 3.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 1.0% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 9.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.62× | ||
| Q3 25 | — | 0.78× | ||
| Q2 25 | — | 3.00× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.71× | ||
| Q3 24 | — | 0.34× | ||
| Q2 24 | — | 3.70× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
