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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
Zeo Energy Corp. is the larger business by last-quarter revenue ($18.6M vs $9.5M, roughly 2.0× ECB Bancorp, Inc.). ECB Bancorp, Inc. runs the higher net margin — 27.3% vs -10.8%, a 38.1% gap on every dollar of revenue. On growth, ECB Bancorp, Inc. posted the faster year-over-year revenue change (33.8% vs -0.4%). ECB Bancorp, Inc. produced more free cash flow last quarter ($9.0M vs $2.3M). Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (23.8% CAGR vs -4.0%).
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.
ECBK vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $9.5M | $18.6M |
| Net Profit | $2.6M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 36.7% | -11.8% |
| Net Margin | 27.3% | -10.8% |
| Revenue YoY | 33.8% | -0.4% |
| Net Profit YoY | 79.5% | -360.9% |
| EPS (diluted) | $0.32 | — |
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 | $18.6M | ||
| Q3 25 | $8.8M | $23.9M | ||
| Q2 25 | $8.0M | $18.1M | ||
| Q1 25 | $6.9M | $8.8M | ||
| Q4 24 | $7.1M | $18.6M | ||
| Q3 24 | $6.6M | $19.7M | ||
| Q2 24 | $6.3M | $14.8M | ||
| Q1 24 | $6.2M | $20.1M |
| Q4 25 | $2.6M | $-2.0M | ||
| Q3 25 | $2.4M | $-3.2M | ||
| Q2 25 | $1.4M | $-2.4M | ||
| Q1 25 | $1.3M | $-6.4M | ||
| Q4 24 | $1.4M | $-435.3K | ||
| Q3 24 | $1.1M | $-424.3K | ||
| Q2 24 | $791.0K | $-277.8K | ||
| Q1 24 | $621.0K | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 36.7% | -11.8% | ||
| Q3 25 | 37.0% | -8.3% | ||
| Q2 25 | 23.9% | -15.8% | ||
| Q1 25 | 24.9% | -153.8% | ||
| Q4 24 | 27.3% | -6.0% | ||
| Q3 24 | 23.3% | -15.2% | ||
| Q2 24 | 16.9% | -18.0% | ||
| Q1 24 | 13.4% | -20.1% |
| Q4 25 | 27.3% | -10.8% | ||
| Q3 25 | 27.7% | -13.5% | ||
| Q2 25 | 18.0% | -13.3% | ||
| Q1 25 | 18.7% | -72.4% | ||
| Q4 24 | 20.3% | -2.3% | ||
| Q3 24 | 17.2% | -2.2% | ||
| Q2 24 | 12.6% | -1.9% | ||
| Q1 24 | 10.0% | -7.6% |
| Q4 25 | $0.32 | — | ||
| Q3 25 | $0.29 | — | ||
| Q2 25 | $0.17 | — | ||
| Q1 25 | $0.16 | $-0.48 | ||
| Q4 24 | $0.18 | $1.11 | ||
| Q3 24 | $0.14 | $-0.08 | ||
| Q2 24 | $0.09 | $0.03 | ||
| Q1 24 | $0.07 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $171.9M | $5.3M |
| Total Assets | $1.6B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $82.8M | $6.1M | ||
| Q3 25 | $201.9M | $3.9M | ||
| Q2 25 | $191.0M | $68.7K | ||
| Q1 25 | $143.7M | $2.9M | ||
| Q4 24 | $309.4M | $5.6M | ||
| Q3 24 | $114.8M | $4.3M | ||
| Q2 24 | $108.7M | $5.3M | ||
| Q1 24 | $109.8M | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $171.9M | $5.3M | ||
| Q3 25 | $169.3M | $-1.7M | ||
| Q2 25 | $168.3M | $-59.4M | ||
| Q1 25 | $168.6M | $-23.1M | ||
| Q4 24 | $168.3M | $-88.9M | ||
| Q3 24 | $166.0M | $-39.3M | ||
| Q2 24 | $166.5M | $-53.0M | ||
| Q1 24 | $165.8M | $-173.0M |
| Q4 25 | $1.6B | $56.9M | ||
| Q3 25 | $1.6B | $58.5M | ||
| Q2 25 | $1.5B | $46.2M | ||
| Q1 25 | $1.5B | $47.4M | ||
| Q4 24 | $1.4B | $61.0M | ||
| Q3 24 | $1.4B | $47.1M | ||
| Q2 24 | $1.3B | $49.1M | ||
| Q1 24 | $1.3B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.3M |
| FCF MarginFCF / Revenue | 94.7% | 12.2% |
| Capex IntensityCapex / Revenue | 2.2% | 0.9% |
| Cash ConversionOCF / Net Profit | 3.55× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.2M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.2M | $2.4M | ||
| Q3 25 | $4.0M | $-6.6M | ||
| Q2 25 | $1.9M | $-2.3M | ||
| Q1 25 | $-631.0K | $-2.3M | ||
| Q4 24 | $6.2M | $3.5M | ||
| Q3 24 | $861.0K | $162.2K | ||
| Q2 24 | $1.4M | $-2.2M | ||
| Q1 24 | $-429.0K | $-10.2M |
| Q4 25 | $9.0M | $2.3M | ||
| Q3 25 | $4.0M | $-6.8M | ||
| Q2 25 | $1.8M | $-2.7M | ||
| Q1 25 | $-649.0K | $-2.6M | ||
| Q4 24 | $6.2M | $3.4M | ||
| Q3 24 | — | $116.5K | ||
| Q2 24 | $1.3M | $-2.3M | ||
| Q1 24 | $-449.0K | $-10.4M |
| Q4 25 | 94.7% | 12.2% | ||
| Q3 25 | 44.9% | -28.6% | ||
| Q2 25 | 23.0% | -15.0% | ||
| Q1 25 | -9.4% | -30.0% | ||
| Q4 24 | 86.8% | 18.2% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | 21.4% | -15.6% | ||
| Q1 24 | -7.2% | -51.5% |
| Q4 25 | 2.2% | 0.9% | ||
| Q3 25 | 0.8% | 1.0% | ||
| Q2 25 | 0.6% | 2.4% | ||
| Q1 25 | 0.3% | 4.2% | ||
| Q4 24 | 0.8% | 0.5% | ||
| Q3 24 | 0.0% | 0.2% | ||
| Q2 24 | 0.6% | 0.7% | ||
| Q1 24 | 0.3% | 1.1% |
| 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× | — | ||
| Q1 24 | -0.69× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECBK
Segment breakdown not available.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
