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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and Intellicheck, Inc. (IDN). Click either name above to swap in a different company.
ECB Bancorp, Inc. is the larger business by last-quarter revenue ($9.5M vs $6.6M, roughly 1.4× Intellicheck, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs 23.4%, a 3.9% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (33.8% vs 11.8%). ECB Bancorp, Inc. produced more free cash flow last quarter ($9.0M vs $2.4M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (23.8% CAGR vs 19.1%).
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.
Intellicheck, Inc. is a US-based technology company specializing in identity verification and fraud prevention solutions. It develops AI-powered tools to validate government-issued identification documents, streamline customer onboarding, and mitigate identity theft risks for clients across finance, retail, healthcare and public sector segments.
ECBK vs IDN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $9.5M | $6.6M |
| Net Profit | $2.6M | $1.6M |
| Gross Margin | — | 91.4% |
| Operating Margin | 36.7% | 22.5% |
| Net Margin | 27.3% | 23.4% |
| Revenue YoY | 33.8% | 11.8% |
| Net Profit YoY | 79.5% | 218.0% |
| EPS (diluted) | $0.32 | $0.08 |
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 | $9.5M | $6.6M | ||
| Q3 25 | $8.8M | $6.0M | ||
| Q2 25 | $8.0M | $5.1M | ||
| Q1 25 | $6.9M | $4.9M | ||
| Q4 24 | $7.1M | $5.9M | ||
| Q3 24 | $6.6M | $4.7M | ||
| Q2 24 | $6.3M | $4.7M | ||
| Q1 24 | $6.2M | $4.7M |
| Q4 25 | $2.6M | $1.6M | ||
| Q3 25 | $2.4M | $290.0K | ||
| Q2 25 | $1.4M | $-251.0K | ||
| Q1 25 | $1.3M | $-318.0K | ||
| Q4 24 | $1.4M | $488.0K | ||
| Q3 24 | $1.1M | $-837.0K | ||
| Q2 24 | $791.0K | $-127.0K | ||
| Q1 24 | $621.0K | $-442.0K |
| Q4 25 | — | 91.4% | ||
| Q3 25 | — | 90.5% | ||
| Q2 25 | — | 89.8% | ||
| Q1 25 | — | 89.7% | ||
| Q4 24 | — | 91.1% | ||
| Q3 24 | — | 91.0% | ||
| Q2 24 | — | 90.5% | ||
| Q1 24 | — | 90.7% |
| Q4 25 | 36.7% | 22.5% | ||
| Q3 25 | 37.0% | 4.0% | ||
| Q2 25 | 23.9% | -5.8% | ||
| Q1 25 | 24.9% | -7.1% | ||
| Q4 24 | 27.3% | 8.1% | ||
| Q3 24 | 23.3% | -19.3% | ||
| Q2 24 | 16.9% | -4.6% | ||
| Q1 24 | 13.4% | -11.2% |
| Q4 25 | 27.3% | 23.4% | ||
| Q3 25 | 27.7% | 4.8% | ||
| Q2 25 | 18.0% | -4.9% | ||
| Q1 25 | 18.7% | -6.5% | ||
| Q4 24 | 20.3% | 8.2% | ||
| Q3 24 | 17.2% | -17.8% | ||
| Q2 24 | 12.6% | -2.7% | ||
| Q1 24 | 10.0% | -9.4% |
| Q4 25 | $0.32 | $0.08 | ||
| Q3 25 | $0.29 | $0.01 | ||
| Q2 25 | $0.17 | $-0.01 | ||
| Q1 25 | $0.16 | $-0.02 | ||
| Q4 24 | $0.18 | $0.02 | ||
| Q3 24 | $0.14 | $-0.04 | ||
| Q2 24 | $0.09 | $-0.01 | ||
| Q1 24 | $0.07 | $-0.02 |
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 | $9.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $171.9M | $20.7M |
| Total Assets | $1.6B | $24.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $82.8M | $9.7M | ||
| Q3 25 | $201.9M | $7.2M | ||
| Q2 25 | $191.0M | $8.6M | ||
| Q1 25 | $143.7M | $5.1M | ||
| Q4 24 | $309.4M | $4.7M | ||
| Q3 24 | $114.8M | $5.7M | ||
| Q2 24 | $108.7M | $7.3M | ||
| Q1 24 | $109.8M | $9.2M |
| Q4 25 | $171.9M | $20.7M | ||
| Q3 25 | $169.3M | $18.9M | ||
| Q2 25 | $168.3M | $18.0M | ||
| Q1 25 | $168.6M | $17.6M | ||
| Q4 24 | $168.3M | $17.7M | ||
| Q3 24 | $166.0M | $16.7M | ||
| Q2 24 | $166.5M | $17.3M | ||
| Q1 24 | $165.8M | $17.2M |
| Q4 25 | $1.6B | $24.5M | ||
| Q3 25 | $1.6B | $25.3M | ||
| Q2 25 | $1.5B | $23.1M | ||
| Q1 25 | $1.5B | $24.6M | ||
| Q4 24 | $1.4B | $20.9M | ||
| Q3 24 | $1.4B | $20.7M | ||
| Q2 24 | $1.3B | $21.9M | ||
| Q1 24 | $1.3B | $22.6M |
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 | $9.2M | $2.4M |
| Free Cash FlowOCF − Capex | $9.0M | $2.4M |
| FCF MarginFCF / Revenue | 94.7% | 36.0% |
| Capex IntensityCapex / Revenue | 2.2% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.55× | 1.54× |
| TTM Free Cash FlowTrailing 4 quarters | $14.2M | $4.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.2M | $2.4M | ||
| Q3 25 | $4.0M | $-1.7M | ||
| Q2 25 | $1.9M | $3.1M | ||
| Q1 25 | $-631.0K | $750.0K | ||
| Q4 24 | $6.2M | $-1.3M | ||
| Q3 24 | $861.0K | $-1.1M | ||
| Q2 24 | $1.4M | $-1.2M | ||
| Q1 24 | $-429.0K | $869.0K |
| Q4 25 | $9.0M | $2.4M | ||
| Q3 25 | $4.0M | $-1.8M | ||
| Q2 25 | $1.8M | $3.1M | ||
| Q1 25 | $-649.0K | $741.0K | ||
| Q4 24 | $6.2M | $-1.3M | ||
| Q3 24 | — | $-1.1M | ||
| Q2 24 | $1.3M | $-1.2M | ||
| Q1 24 | $-449.0K | $860.0K |
| Q4 25 | 94.7% | 36.0% | ||
| Q3 25 | 44.9% | -29.2% | ||
| Q2 25 | 23.0% | 60.9% | ||
| Q1 25 | -9.4% | 15.1% | ||
| Q4 24 | 86.8% | -22.4% | ||
| Q3 24 | — | -23.1% | ||
| Q2 24 | 21.4% | -25.5% | ||
| Q1 24 | -7.2% | 18.4% |
| Q4 25 | 2.2% | 0.1% | ||
| Q3 25 | 0.8% | 0.4% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 0.3% | 0.2% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.0% | 0.6% | ||
| Q2 24 | 0.6% | 0.2% | ||
| Q1 24 | 0.3% | 0.2% |
| Q4 25 | 3.55× | 1.54× | ||
| Q3 25 | 1.65× | -5.99× | ||
| Q2 25 | 1.32× | — | ||
| Q1 25 | -0.49× | — | ||
| Q4 24 | 4.31× | -2.71× | ||
| 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.
