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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and Xos, Inc. (XOS). Click either name above to swap in a different company.
ECB Bancorp, Inc. is the larger business by last-quarter revenue ($9.5M vs $5.2M, roughly 1.8× Xos, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -186.8%, a 214.1% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (33.8% vs -54.5%). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (23.8% CAGR vs -35.7%).
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.
Xos, Inc. is an American manufacturer of commercial electric vehicles (EVs) and mobile EV chargers.
ECBK vs XOS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $9.5M | $5.2M |
| Net Profit | $2.6M | $-9.8M |
| Gross Margin | — | -50.5% |
| Operating Margin | 36.7% | -186.6% |
| Net Margin | 27.3% | -186.8% |
| Revenue YoY | 33.8% | -54.5% |
| Net Profit YoY | 79.5% | 48.6% |
| EPS (diluted) | $0.32 | $-0.76 |
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 | $5.2M | ||
| Q3 25 | $8.8M | $16.5M | ||
| Q2 25 | $8.0M | $18.4M | ||
| Q1 25 | $6.9M | $5.9M | ||
| Q4 24 | $7.1M | $11.5M | ||
| Q3 24 | $6.6M | $15.8M | ||
| Q2 24 | $6.3M | $15.5M | ||
| Q1 24 | $6.2M | $12.6M |
| Q4 25 | $2.6M | $-9.8M | ||
| Q3 25 | $2.4M | $2.1M | ||
| Q2 25 | $1.4M | $-7.5M | ||
| Q1 25 | $1.3M | $-10.2M | ||
| Q4 24 | $1.4M | $-19.0M | ||
| Q3 24 | $1.1M | $-10.5M | ||
| Q2 24 | $791.0K | $-9.7M | ||
| Q1 24 | $621.0K | $-11.0M |
| Q4 25 | — | -50.5% | ||
| Q3 25 | — | 15.3% | ||
| Q2 25 | — | 8.8% | ||
| Q1 25 | — | 20.6% | ||
| Q4 24 | — | -32.4% | ||
| Q3 24 | — | 18.1% | ||
| Q2 24 | — | 13.1% | ||
| Q1 24 | — | 22.1% |
| Q4 25 | 36.7% | -186.6% | ||
| Q3 25 | 37.0% | -42.4% | ||
| Q2 25 | 23.9% | -38.5% | ||
| Q1 25 | 24.9% | -157.7% | ||
| Q4 24 | 27.3% | -127.0% | ||
| Q3 24 | 23.3% | -61.4% | ||
| Q2 24 | 16.9% | -73.2% | ||
| Q1 24 | 13.4% | -81.1% |
| Q4 25 | 27.3% | -186.8% | ||
| Q3 25 | 27.7% | 12.9% | ||
| Q2 25 | 18.0% | -40.8% | ||
| Q1 25 | 18.7% | -173.3% | ||
| Q4 24 | 20.3% | -165.4% | ||
| Q3 24 | 17.2% | -66.6% | ||
| Q2 24 | 12.6% | -62.2% | ||
| Q1 24 | 10.0% | -87.1% |
| Q4 25 | $0.32 | $-0.76 | ||
| Q3 25 | $0.29 | $0.22 | ||
| Q2 25 | $0.17 | $-0.91 | ||
| Q1 25 | $0.16 | $-1.26 | ||
| Q4 24 | $0.18 | $-2.34 | ||
| Q3 24 | $0.14 | $-1.32 | ||
| Q2 24 | $0.09 | $-1.23 | ||
| Q1 24 | $0.07 | $-1.80 |
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 | $14.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $171.9M | $23.3M |
| Total Assets | $1.6B | $60.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $82.8M | $14.0M | ||
| Q3 25 | $201.9M | $14.1M | ||
| Q2 25 | $191.0M | $8.8M | ||
| Q1 25 | $143.7M | $4.8M | ||
| Q4 24 | $309.4M | $11.0M | ||
| Q3 24 | $114.8M | $8.4M | ||
| Q2 24 | $108.7M | $19.7M | ||
| Q1 24 | $109.8M | $46.2M |
| Q4 25 | $171.9M | $23.3M | ||
| Q3 25 | $169.3M | $31.1M | ||
| Q2 25 | $168.3M | $18.3M | ||
| Q1 25 | $168.6M | $24.8M | ||
| Q4 24 | $168.3M | $33.6M | ||
| Q3 24 | $166.0M | $50.8M | ||
| Q2 24 | $166.5M | $59.2M | ||
| Q1 24 | $165.8M | $67.8M |
| Q4 25 | $1.6B | $60.4M | ||
| Q3 25 | $1.6B | $73.8M | ||
| Q2 25 | $1.5B | $80.3M | ||
| Q1 25 | $1.5B | $87.7M | ||
| Q4 24 | $1.4B | $98.3M | ||
| Q3 24 | $1.4B | $120.5M | ||
| Q2 24 | $1.3B | $123.4M | ||
| Q1 24 | $1.3B | $135.0M |
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 | — |
| FCF MarginFCF / Revenue | 94.7% | — |
| Capex IntensityCapex / Revenue | 2.2% | 0.0% |
| 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 | $2.4M | ||
| Q3 25 | $4.0M | $3.1M | ||
| Q2 25 | $1.9M | $4.6M | ||
| Q1 25 | $-631.0K | $-4.8M | ||
| Q4 24 | $6.2M | $3.3M | ||
| Q3 24 | $861.0K | $-11.5M | ||
| Q2 24 | $1.4M | $-26.0M | ||
| Q1 24 | $-429.0K | $-14.6M |
| Q4 25 | $9.0M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $1.8M | — | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | $6.2M | — | ||
| Q3 24 | — | $-11.7M | ||
| Q2 24 | $1.3M | $-26.1M | ||
| Q1 24 | $-449.0K | $-14.6M |
| Q4 25 | 94.7% | — | ||
| Q3 25 | 44.9% | — | ||
| Q2 25 | 23.0% | — | ||
| Q1 25 | -9.4% | — | ||
| Q4 24 | 86.8% | — | ||
| Q3 24 | — | -73.9% | ||
| Q2 24 | 21.4% | -168.1% | ||
| Q1 24 | -7.2% | -115.7% |
| Q4 25 | 2.2% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.6% | 0.0% | ||
| Q1 25 | 0.3% | 0.0% | ||
| Q4 24 | 0.8% | 0.0% | ||
| Q3 24 | 0.0% | 0.9% | ||
| Q2 24 | 0.6% | 0.8% | ||
| Q1 24 | 0.3% | 0.2% |
| Q4 25 | 3.55× | — | ||
| Q3 25 | 1.65× | 1.45× | ||
| 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.
