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

Avidity Biosciences, Inc. is the larger business by last-quarter revenue ($12.5M vs $9.5M, roughly 1.3× ECB Bancorp, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -1398.3%, a 1425.6% gap on every dollar of revenue. On growth, Avidity Biosciences, Inc. posted the faster year-over-year revenue change (434.0% vs 33.8%). ECB Bancorp, Inc. produced more free cash flow last quarter ($9.0M vs $-156.9M). Over the past eight quarters, Avidity Biosciences, Inc.'s revenue compounded faster (138.5% CAGR vs 23.8%).

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.

Eli Lilly and Company, doing business as Lilly, is an American multinational pharmaceutical company headquartered in Indianapolis, Indiana, with offices in 18 countries. Its products are sold in approximately 125 countries. The company was founded in 1876 by Eli Lilly, a pharmaceutical chemist and Union army veteran during the American Civil War for whom the company was later named.

ECBK vs RNA — Head-to-Head

Bigger by revenue
RNA
RNA
1.3× larger
RNA
$12.5M
$9.5M
ECBK
Growing faster (revenue YoY)
RNA
RNA
+400.2% gap
RNA
434.0%
33.8%
ECBK
Higher net margin
ECBK
ECBK
1425.6% more per $
ECBK
27.3%
-1398.3%
RNA
More free cash flow
ECBK
ECBK
$165.9M more FCF
ECBK
$9.0M
$-156.9M
RNA
Faster 2-yr revenue CAGR
RNA
RNA
Annualised
RNA
138.5%
23.8%
ECBK

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
ECBK
ECBK
RNA
RNA
Revenue
$9.5M
$12.5M
Net Profit
$2.6M
$-174.4M
Gross Margin
Operating Margin
36.7%
-1513.5%
Net Margin
27.3%
-1398.3%
Revenue YoY
33.8%
434.0%
Net Profit YoY
79.5%
-117.0%
EPS (diluted)
$0.32
$-1.27

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
RNA
RNA
Q4 25
$9.5M
Q3 25
$8.8M
$12.5M
Q2 25
$8.0M
$3.8M
Q1 25
$6.9M
$1.6M
Q4 24
$7.1M
$3.0M
Q3 24
$6.6M
$2.3M
Q2 24
$6.3M
$2.0M
Q1 24
$6.2M
$3.5M
Net Profit
ECBK
ECBK
RNA
RNA
Q4 25
$2.6M
Q3 25
$2.4M
$-174.4M
Q2 25
$1.4M
$-157.3M
Q1 25
$1.3M
$-115.8M
Q4 24
$1.4M
$-102.3M
Q3 24
$1.1M
$-80.4M
Q2 24
$791.0K
$-70.8M
Q1 24
$621.0K
$-68.9M
Operating Margin
ECBK
ECBK
RNA
RNA
Q4 25
36.7%
Q3 25
37.0%
-1513.5%
Q2 25
23.9%
-4448.7%
Q1 25
24.9%
-8360.9%
Q4 24
27.3%
-4069.6%
Q3 24
23.3%
-4200.9%
Q2 24
16.9%
-4040.4%
Q1 24
13.4%
-2178.6%
Net Margin
ECBK
ECBK
RNA
RNA
Q4 25
27.3%
Q3 25
27.7%
-1398.3%
Q2 25
18.0%
-4089.3%
Q1 25
18.7%
-7360.0%
Q4 24
20.3%
-3439.5%
Q3 24
17.2%
-3441.7%
Q2 24
12.6%
-3461.8%
Q1 24
10.0%
-1943.4%
EPS (diluted)
ECBK
ECBK
RNA
RNA
Q4 25
$0.32
Q3 25
$0.29
$-1.27
Q2 25
$0.17
$-1.21
Q1 25
$0.16
$-0.90
Q4 24
$0.18
$-0.80
Q3 24
$0.14
$-0.65
Q2 24
$0.09
$-0.65
Q1 24
$0.07
$-0.79

Balance Sheet & Financial Strength

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

Metric
ECBK
ECBK
RNA
RNA
Cash + ST InvestmentsLiquidity on hand
$82.8M
$350.2M
Total DebtLower is stronger
Stockholders' EquityBook value
$171.9M
$1.9B
Total Assets
$1.6B
$2.1B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
ECBK
ECBK
RNA
RNA
Q4 25
$82.8M
Q3 25
$201.9M
$350.2M
Q2 25
$191.0M
$243.9M
Q1 25
$143.7M
$254.2M
Q4 24
$309.4M
$219.9M
Q3 24
$114.8M
$370.2M
Q2 24
$108.7M
$575.8M
Q1 24
$109.8M
$471.4M
Stockholders' Equity
ECBK
ECBK
RNA
RNA
Q4 25
$171.9M
Q3 25
$169.3M
$1.9B
Q2 25
$168.3M
$1.2B
Q1 25
$168.6M
$1.3B
Q4 24
$168.3M
$1.4B
Q3 24
$166.0M
$1.5B
Q2 24
$166.5M
$1.2B
Q1 24
$165.8M
$830.9M
Total Assets
ECBK
ECBK
RNA
RNA
Q4 25
$1.6B
Q3 25
$1.6B
$2.1B
Q2 25
$1.5B
$1.4B
Q1 25
$1.5B
$1.5B
Q4 24
$1.4B
$1.6B
Q3 24
$1.4B
$1.6B
Q2 24
$1.3B
$1.3B
Q1 24
$1.3B
$951.5M

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
RNA
RNA
Operating Cash FlowLast quarter
$9.2M
$-156.2M
Free Cash FlowOCF − Capex
$9.0M
$-156.9M
FCF MarginFCF / Revenue
94.7%
-1257.6%
Capex IntensityCapex / Revenue
2.2%
5.7%
Cash ConversionOCF / Net Profit
3.55×
TTM Free Cash FlowTrailing 4 quarters
$14.2M
$-592.3M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
ECBK
ECBK
RNA
RNA
Q4 25
$9.2M
Q3 25
$4.0M
$-156.2M
Q2 25
$1.9M
$-199.7M
Q1 25
$-631.0K
$-124.8M
Q4 24
$6.2M
$-99.9M
Q3 24
$861.0K
$-65.6M
Q2 24
$1.4M
$-65.0M
Q1 24
$-429.0K
$-70.4M
Free Cash Flow
ECBK
ECBK
RNA
RNA
Q4 25
$9.0M
Q3 25
$4.0M
$-156.9M
Q2 25
$1.8M
$-203.0M
Q1 25
$-649.0K
$-128.6M
Q4 24
$6.2M
$-103.8M
Q3 24
$-67.3M
Q2 24
$1.3M
$-65.5M
Q1 24
$-449.0K
$-71.3M
FCF Margin
ECBK
ECBK
RNA
RNA
Q4 25
94.7%
Q3 25
44.9%
-1257.6%
Q2 25
23.0%
-5277.1%
Q1 25
-9.4%
-8174.3%
Q4 24
86.8%
-3491.0%
Q3 24
-2881.8%
Q2 24
21.4%
-3204.6%
Q1 24
-7.2%
-2012.3%
Capex Intensity
ECBK
ECBK
RNA
RNA
Q4 25
2.2%
Q3 25
0.8%
5.7%
Q2 25
0.6%
86.9%
Q1 25
0.3%
238.6%
Q4 24
0.8%
131.7%
Q3 24
0.0%
72.9%
Q2 24
0.6%
26.0%
Q1 24
0.3%
25.8%
Cash Conversion
ECBK
ECBK
RNA
RNA
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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