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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and EyePoint, Inc. (EYPT). Click either name above to swap in a different company.

ECB Bancorp, Inc. is the larger business by last-quarter revenue ($9.5M vs $5.3M, roughly 1.8× EyePoint, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -1114.3%, a 1141.6% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (33.8% vs -43.7%). ECB Bancorp, Inc. produced more free cash flow last quarter ($9.0M vs $-63.8M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (23.8% CAGR vs -40.8%).

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.

EyePoint Pharmaceuticals Inc. is a Watertown, Massachusetts company specialising in the application of microelectromechanical systems (MEMS) and nanotechnology to drug delivery.

ECBK vs EYPT — Head-to-Head

Bigger by revenue
ECBK
ECBK
1.8× larger
ECBK
$9.5M
$5.3M
EYPT
Growing faster (revenue YoY)
ECBK
ECBK
+77.6% gap
ECBK
33.8%
-43.7%
EYPT
Higher net margin
ECBK
ECBK
1141.6% more per $
ECBK
27.3%
-1114.3%
EYPT
More free cash flow
ECBK
ECBK
$72.8M more FCF
ECBK
$9.0M
$-63.8M
EYPT
Faster 2-yr revenue CAGR
ECBK
ECBK
Annualised
ECBK
23.8%
-40.8%
EYPT

Income Statement — Q4 FY2025 vs Q2 FY2025

Metric
ECBK
ECBK
EYPT
EYPT
Revenue
$9.5M
$5.3M
Net Profit
$2.6M
$-59.4M
Gross Margin
Operating Margin
36.7%
-1166.8%
Net Margin
27.3%
-1114.3%
Revenue YoY
33.8%
-43.7%
Net Profit YoY
79.5%
-92.8%
EPS (diluted)
$0.32
$-0.85

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.

Revenue
ECBK
ECBK
EYPT
EYPT
Q4 25
$9.5M
Q3 25
$8.8M
Q2 25
$8.0M
$5.3M
Q1 25
$6.9M
$24.5M
Q4 24
$7.1M
$11.6M
Q3 24
$6.6M
$10.5M
Q2 24
$6.3M
$9.5M
Q1 24
$6.2M
$11.7M
Net Profit
ECBK
ECBK
EYPT
EYPT
Q4 25
$2.6M
Q3 25
$2.4M
Q2 25
$1.4M
$-59.4M
Q1 25
$1.3M
$-45.2M
Q4 24
$1.4M
$-41.4M
Q3 24
$1.1M
$-29.4M
Q2 24
$791.0K
$-30.8M
Q1 24
$621.0K
$-29.3M
Gross Margin
ECBK
ECBK
EYPT
EYPT
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
93.0%
Q2 24
85.2%
Q1 24
93.5%
Operating Margin
ECBK
ECBK
EYPT
EYPT
Q4 25
36.7%
Q3 25
37.0%
Q2 25
23.9%
-1166.8%
Q1 25
24.9%
-199.7%
Q4 24
27.3%
-390.4%
Q3 24
23.3%
-311.2%
Q2 24
16.9%
-364.5%
Q1 24
13.4%
-285.2%
Net Margin
ECBK
ECBK
EYPT
EYPT
Q4 25
27.3%
Q3 25
27.7%
Q2 25
18.0%
-1114.3%
Q1 25
18.7%
-184.8%
Q4 24
20.3%
-357.3%
Q3 24
17.2%
-279.0%
Q2 24
12.6%
-325.3%
Q1 24
10.0%
-250.6%
EPS (diluted)
ECBK
ECBK
EYPT
EYPT
Q4 25
$0.32
Q3 25
$0.29
Q2 25
$0.17
$-0.85
Q1 25
$0.16
$-0.65
Q4 24
$0.18
$-0.65
Q3 24
$0.14
$-0.54
Q2 24
$0.09
$-0.58
Q1 24
$0.07
$-0.55

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
ECBK
ECBK
EYPT
EYPT
Cash + ST InvestmentsLiquidity on hand
$82.8M
$255.7M
Total DebtLower is stronger
Stockholders' EquityBook value
$171.9M
$246.0M
Total Assets
$1.6B
$301.1M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
ECBK
ECBK
EYPT
EYPT
Q4 25
$82.8M
Q3 25
$201.9M
Q2 25
$191.0M
$255.7M
Q1 25
$143.7M
$318.2M
Q4 24
$309.4M
$370.9M
Q3 24
$114.8M
$253.8M
Q2 24
$108.7M
$280.2M
Q1 24
$109.8M
$299.3M
Stockholders' Equity
ECBK
ECBK
EYPT
EYPT
Q4 25
$171.9M
Q3 25
$169.3M
Q2 25
$168.3M
$246.0M
Q1 25
$168.6M
$298.4M
Q4 24
$168.3M
$336.5M
Q3 24
$166.0M
$218.7M
Q2 24
$166.5M
$228.3M
Q1 24
$165.8M
$249.9M
Total Assets
ECBK
ECBK
EYPT
EYPT
Q4 25
$1.6B
Q3 25
$1.6B
Q2 25
$1.5B
$301.1M
Q1 25
$1.5B
$362.6M
Q4 24
$1.4B
$418.5M
Q3 24
$1.4B
$300.9M
Q2 24
$1.3B
$324.2M
Q1 24
$1.3B
$329.2M

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
ECBK
ECBK
EYPT
EYPT
Operating Cash FlowLast quarter
$9.2M
$-62.6M
Free Cash FlowOCF − Capex
$9.0M
$-63.8M
FCF MarginFCF / Revenue
94.7%
-1196.5%
Capex IntensityCapex / Revenue
2.2%
22.9%
Cash ConversionOCF / Net Profit
3.55×
TTM Free Cash FlowTrailing 4 quarters
$14.2M
$-194.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
ECBK
ECBK
EYPT
EYPT
Q4 25
$9.2M
Q3 25
$4.0M
Q2 25
$1.9M
$-62.6M
Q1 25
$-631.0K
$-53.1M
Q4 24
$6.2M
$-35.8M
Q3 24
$861.0K
$-39.0M
Q2 24
$1.4M
$-20.2M
Q1 24
$-429.0K
$-31.2M
Free Cash Flow
ECBK
ECBK
EYPT
EYPT
Q4 25
$9.0M
Q3 25
$4.0M
Q2 25
$1.8M
$-63.8M
Q1 25
$-649.0K
$-53.4M
Q4 24
$6.2M
$-36.2M
Q3 24
$-40.6M
Q2 24
$1.3M
$-21.1M
Q1 24
$-449.0K
$-32.4M
FCF Margin
ECBK
ECBK
EYPT
EYPT
Q4 25
94.7%
Q3 25
44.9%
Q2 25
23.0%
-1196.5%
Q1 25
-9.4%
-218.4%
Q4 24
86.8%
-312.7%
Q3 24
-385.8%
Q2 24
21.4%
-222.4%
Q1 24
-7.2%
-277.0%
Capex Intensity
ECBK
ECBK
EYPT
EYPT
Q4 25
2.2%
Q3 25
0.8%
Q2 25
0.6%
22.9%
Q1 25
0.3%
1.1%
Q4 24
0.8%
3.3%
Q3 24
0.0%
15.0%
Q2 24
0.6%
9.5%
Q1 24
0.3%
10.2%
Cash Conversion
ECBK
ECBK
EYPT
EYPT
Q4 25
3.55×
Q3 25
1.65×
Q2 25
1.32×
Q1 25
-0.49×
Q4 24
4.31×
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.

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