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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and Velo3D, Inc. (VELO). Click either name above to swap in a different company.
ECB Bancorp, Inc. is the larger business by last-quarter revenue ($9.5M vs $9.4M, roughly 1.0× Velo3D, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -231.9%, a 259.2% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (33.8% vs -25.2%). ECB Bancorp, Inc. produced more free cash flow last quarter ($9.0M vs $-8.3M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (23.8% CAGR vs -1.8%).
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.
Velo3D, Inc. develops and sells advanced end-to-end metal additive manufacturing (3D printing) solutions, comprising industrial-grade printers, specialized processing software, and high-performance metal materials. It primarily serves global aerospace, defense, energy, semiconductor and industrial manufacturing markets, enabling customers to produce complex, high-precision metal parts that are difficult to manufacture with traditional methods.
ECBK vs VELO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $9.5M | $9.4M |
| Net Profit | $2.6M | $-21.9M |
| Gross Margin | — | -73.6% |
| Operating Margin | 36.7% | -231.0% |
| Net Margin | 27.3% | -231.9% |
| Revenue YoY | 33.8% | -25.2% |
| Net Profit YoY | 79.5% | -2.9% |
| EPS (diluted) | $0.32 | $-0.87 |
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 | $9.4M | ||
| Q3 25 | $8.8M | $13.6M | ||
| Q2 25 | $8.0M | $13.6M | ||
| Q1 25 | $6.9M | $9.3M | ||
| Q4 24 | $7.1M | $12.6M | ||
| Q3 24 | $6.6M | $8.2M | ||
| Q2 24 | $6.3M | $10.3M | ||
| Q1 24 | $6.2M | $9.8M |
| Q4 25 | $2.6M | $-21.9M | ||
| Q3 25 | $2.4M | $-11.2M | ||
| Q2 25 | $1.4M | $-13.3M | ||
| Q1 25 | $1.3M | $-25.0M | ||
| Q4 24 | $1.4M | $-21.3M | ||
| Q3 24 | $1.1M | $-21.9M | ||
| Q2 24 | $791.0K | $935.0K | ||
| Q1 24 | $621.0K | $-27.5M |
| Q4 25 | — | -73.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | -11.7% | ||
| Q1 25 | — | 7.5% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | -28.0% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 36.7% | -231.0% | ||
| Q3 25 | 37.0% | -73.3% | ||
| Q2 25 | 23.9% | -85.4% | ||
| Q1 25 | 24.9% | -123.6% | ||
| Q4 24 | 27.3% | -167.0% | ||
| Q3 24 | 23.3% | -213.8% | ||
| Q2 24 | 16.9% | -187.7% | ||
| Q1 24 | 13.4% | -211.1% |
| Q4 25 | 27.3% | -231.9% | ||
| Q3 25 | 27.7% | -82.0% | ||
| Q2 25 | 18.0% | -97.7% | ||
| Q1 25 | 18.7% | -268.4% | ||
| Q4 24 | 20.3% | -168.5% | ||
| Q3 24 | 17.2% | -265.3% | ||
| Q2 24 | 12.6% | 9.0% | ||
| Q1 24 | 10.0% | -281.2% |
| Q4 25 | $0.32 | $-0.87 | ||
| Q3 25 | $0.29 | $-0.65 | ||
| Q2 25 | $0.17 | $-0.94 | ||
| Q1 25 | $0.16 | $-1.87 | ||
| Q4 24 | $0.18 | $7.06 | ||
| Q3 24 | $0.14 | $-35.52 | ||
| Q2 24 | $0.09 | $1.65 | ||
| Q1 24 | $0.07 | $-55.51 |
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 | $39.0M |
| Total DebtLower is stronger | — | $31.0M |
| Stockholders' EquityBook value | $171.9M | $38.2M |
| Total Assets | $1.6B | $105.3M |
| Debt / EquityLower = less leverage | — | 0.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $82.8M | $39.0M | ||
| Q3 25 | $201.9M | $11.8M | ||
| Q2 25 | $191.0M | $854.0K | ||
| Q1 25 | $143.7M | $3.9M | ||
| Q4 24 | $309.4M | $1.2M | ||
| Q3 24 | $114.8M | $1.6M | ||
| Q2 24 | $108.7M | $3.2M | ||
| Q1 24 | $109.8M | $10.9M |
| Q4 25 | — | $31.0M | ||
| Q3 25 | — | $23.0M | ||
| Q2 25 | — | $22.5M | ||
| Q1 25 | — | $21.7M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $32.3M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $44.0M |
| Q4 25 | $171.9M | $38.2M | ||
| Q3 25 | $169.3M | $29.9M | ||
| Q2 25 | $168.3M | $21.4M | ||
| Q1 25 | $168.6M | $32.8M | ||
| Q4 24 | $168.3M | $39.7M | ||
| Q3 24 | $166.0M | $34.4M | ||
| Q2 24 | $166.5M | $52.1M | ||
| Q1 24 | $165.8M | $45.5M |
| Q4 25 | $1.6B | $105.3M | ||
| Q3 25 | $1.6B | $93.7M | ||
| Q2 25 | $1.5B | $78.4M | ||
| Q1 25 | $1.5B | $91.3M | ||
| Q4 24 | $1.4B | $89.2M | ||
| Q3 24 | $1.4B | $110.8M | ||
| Q2 24 | $1.3B | $116.7M | ||
| Q1 24 | $1.3B | $136.1M |
| Q4 25 | — | 0.81× | ||
| Q3 25 | — | 0.77× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.94× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.97× |
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 | $-7.7M |
| Free Cash FlowOCF − Capex | $9.0M | $-8.3M |
| FCF MarginFCF / Revenue | 94.7% | -88.3% |
| Capex IntensityCapex / Revenue | 2.2% | 6.4% |
| Cash ConversionOCF / Net Profit | 3.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.2M | $-7.7M | ||
| Q3 25 | $4.0M | $-6.0M | ||
| Q2 25 | $1.9M | $-1.2M | ||
| Q1 25 | $-631.0K | $-12.3M | ||
| Q4 24 | $6.2M | $-2.2M | ||
| Q3 24 | $861.0K | $-2.0M | ||
| Q2 24 | $1.4M | $-8.0M | ||
| Q1 24 | $-429.0K | $-20.5M |
| Q4 25 | $9.0M | $-8.3M | ||
| Q3 25 | $4.0M | $-6.3M | ||
| Q2 25 | $1.8M | $-3.0M | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | $6.2M | $-2.2M | ||
| Q3 24 | — | $-2.0M | ||
| Q2 24 | $1.3M | $-8.0M | ||
| Q1 24 | $-449.0K | $-20.5M |
| Q4 25 | 94.7% | -88.3% | ||
| Q3 25 | 44.9% | -46.5% | ||
| Q2 25 | 23.0% | -22.2% | ||
| Q1 25 | -9.4% | — | ||
| Q4 24 | 86.8% | -17.7% | ||
| Q3 24 | — | -24.2% | ||
| Q2 24 | 21.4% | -77.1% | ||
| Q1 24 | -7.2% | -209.8% |
| Q4 25 | 2.2% | 6.4% | ||
| Q3 25 | 0.8% | 2.3% | ||
| Q2 25 | 0.6% | 13.3% | ||
| Q1 25 | 0.3% | 0.0% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.6% | 0.0% | ||
| Q1 24 | 0.3% | 0.1% |
| 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× | -8.52× | ||
| Q1 24 | -0.69× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
