vs
Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) 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 ($19.1M vs $9.2M, roughly 2.1× ECB Bancorp, Inc.). GREENE COUNTY BANCORP INC runs the higher net margin — 54.0% vs 28.4%, a 25.6% gap on every dollar of revenue. On growth, GREENE COUNTY BANCORP INC posted the faster year-over-year revenue change (35.5% vs 35.0%). GREENE COUNTY BANCORP INC produced more free cash flow last quarter ($6.2M vs $3.9M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (24.5% CAGR vs 24.5%).
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.
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.
ECBK vs GCBC — Head-to-Head
Income Statement — Q4 2025 vs Q2 2026
| Metric | | |
|---|---|---|
| Revenue | $9.2M | $19.1M |
| Net Profit | $2.6M | $10.3M |
| Gross Margin | — | — |
| Operating Margin | 38.1% | 60.6% |
| Net Margin | 28.4% | 54.0% |
| Revenue YoY | 35.0% | 35.5% |
| Net Profit YoY | 79.5% | 37.4% |
| EPS (diluted) | $0.32 | $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.
| Q4 25 | $9.2M | $19.1M | ||
| Q3 25 | $8.5M | $17.5M | ||
| Q2 25 | $7.7M | $16.7M | ||
| Q1 25 | $6.6M | $16.2M | ||
| Q4 24 | $6.8M | $14.1M | ||
| Q3 24 | $6.3M | $13.1M | ||
| Q2 24 | $6.0M | $12.9M | ||
| Q1 24 | $5.9M | $12.3M |
| Q4 25 | $2.6M | $10.3M | ||
| Q3 25 | $2.4M | $8.9M | ||
| Q2 25 | $1.4M | $9.3M | ||
| Q1 25 | $1.3M | $8.1M | ||
| Q4 24 | $1.4M | $7.5M | ||
| Q3 24 | $1.1M | $6.3M | ||
| Q2 24 | $791.0K | $6.7M | ||
| Q1 24 | $621.0K | $5.9M |
| Q4 25 | 38.1% | 60.6% | ||
| Q3 25 | 38.5% | 58.2% | ||
| Q2 25 | 25.0% | 65.6% | ||
| Q1 25 | 25.9% | 55.2% | ||
| Q4 24 | 28.6% | 57.4% | ||
| Q3 24 | 24.4% | 50.9% | ||
| Q2 24 | 17.7% | 53.1% | ||
| Q1 24 | 14.1% | 50.3% |
| Q4 25 | 28.4% | 54.0% | ||
| Q3 25 | 28.8% | 50.6% | ||
| Q2 25 | 18.8% | 55.9% | ||
| Q1 25 | 19.5% | 49.7% | ||
| Q4 24 | 21.3% | 53.2% | ||
| Q3 24 | 18.0% | 47.7% | ||
| Q2 24 | 13.2% | 52.4% | ||
| Q1 24 | 10.5% | 47.7% |
| Q4 25 | $0.32 | $0.60 | ||
| Q3 25 | $0.29 | $0.52 | ||
| Q2 25 | $0.17 | $0.55 | ||
| Q1 25 | $0.16 | $0.47 | ||
| Q4 24 | $0.18 | $0.44 | ||
| Q3 24 | $0.14 | $0.37 | ||
| Q2 24 | $0.09 | $0.39 | ||
| Q1 24 | $0.07 | $0.34 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $82.8M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $171.9M | $258.3M |
| Total Assets | $1.6B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $82.8M | — | ||
| Q3 25 | $201.9M | — | ||
| Q2 25 | $191.0M | — | ||
| Q1 25 | $143.7M | $155.5M | ||
| Q4 24 | $309.4M | $166.4M | ||
| Q3 24 | $114.8M | — | ||
| Q2 24 | $108.7M | $190.4M | ||
| Q1 24 | $109.8M | — |
| Q4 25 | $171.9M | $258.3M | ||
| Q3 25 | $169.3M | $248.2M | ||
| Q2 25 | $168.3M | $238.8M | ||
| Q1 25 | $168.6M | $229.0M | ||
| Q4 24 | $168.3M | $218.4M | ||
| Q3 24 | $166.0M | $216.3M | ||
| Q2 24 | $166.5M | $206.0M | ||
| Q1 24 | $165.8M | $199.2M |
| Q4 25 | $1.6B | $3.1B | ||
| Q3 25 | $1.6B | $3.1B | ||
| Q2 25 | $1.5B | $3.0B | ||
| Q1 25 | $1.5B | $3.0B | ||
| Q4 24 | $1.4B | $3.0B | ||
| Q3 24 | $1.4B | $2.9B | ||
| Q2 24 | $1.3B | $2.8B | ||
| Q1 24 | $1.3B | $2.9B |
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 | $3.9M | $6.4M |
| Free Cash FlowOCF − Capex | $3.9M | $6.2M |
| FCF MarginFCF / Revenue | 42.1% | 32.6% |
| Capex IntensityCapex / Revenue | 0.8% | 1.1% |
| Cash ConversionOCF / Net Profit | 1.51× | 0.62× |
| TTM Free Cash FlowTrailing 4 quarters | $9.0M | $32.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.9M | $6.4M | ||
| Q3 25 | $4.0M | $7.0M | ||
| Q2 25 | $1.9M | $13.2M | ||
| Q1 25 | $-631.0K | $7.3M | ||
| Q4 24 | $4.4M | $5.3M | ||
| Q3 24 | $861.0K | $2.1M | ||
| Q2 24 | $1.4M | $11.1M | ||
| Q1 24 | $-429.0K | $5.6M |
| Q4 25 | $3.9M | $6.2M | ||
| Q3 25 | $4.0M | $6.5M | ||
| Q2 25 | $1.8M | $12.9M | ||
| Q1 25 | $-649.0K | $7.3M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $2.0M | ||
| Q2 24 | $1.3M | $10.9M | ||
| Q1 24 | $-449.0K | $4.9M |
| Q4 25 | 42.1% | 32.6% | ||
| Q3 25 | 46.8% | 37.4% | ||
| Q2 25 | 24.1% | 77.3% | ||
| Q1 25 | -9.8% | 44.7% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 15.2% | ||
| Q2 24 | 22.4% | 84.5% | ||
| Q1 24 | -7.6% | 40.0% |
| Q4 25 | 0.8% | 1.1% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.7% | 1.8% | ||
| Q1 25 | 0.3% | 0.3% | ||
| Q4 24 | 0.0% | 1.3% | ||
| Q3 24 | 0.0% | 1.2% | ||
| Q2 24 | 0.7% | 1.5% | ||
| Q1 24 | 0.3% | 5.4% |
| Q4 25 | 1.51× | 0.62× | ||
| Q3 25 | 1.65× | 0.78× | ||
| Q2 25 | 1.32× | 1.42× | ||
| Q1 25 | -0.49× | 0.91× | ||
| Q4 24 | 3.05× | 0.71× | ||
| Q3 24 | 0.76× | 0.34× | ||
| Q2 24 | 1.75× | 1.64× | ||
| Q1 24 | -0.69× | 0.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
