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Side-by-side financial comparison of Expensify, Inc. (EXFY) and NorthEast Community Bancorp, Inc. (NECB). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $26.4M, roughly 1.3× NorthEast Community Bancorp, Inc.). On growth, NorthEast Community Bancorp, Inc. posted the faster year-over-year revenue change (3.9% vs -4.9%). Over the past eight quarters, Expensify, Inc.'s revenue compounded faster (2.4% CAGR vs 1.8%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
NorthEast Community Bancorp, Inc. (MD) is a U.S.-based bank holding company operating primarily in the Mid-Atlantic region. It provides a comprehensive suite of consumer and commercial banking services, including deposit products, mortgage loans, small business financing, and wealth management solutions to individual and local enterprise clients.
EXFY vs NECB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $26.4M |
| Net Profit | — | $10.8M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 59.0% |
| Net Margin | — | 40.9% |
| Revenue YoY | -4.9% | 3.9% |
| Net Profit YoY | — | 5.8% |
| EPS (diluted) | $-0.07 | $0.78 |
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 | $35.2M | $26.4M | ||
| Q3 25 | $35.1M | $27.0M | ||
| Q2 25 | $35.8M | $25.9M | ||
| Q1 25 | $36.1M | $25.5M | ||
| Q4 24 | $37.0M | $25.4M | ||
| Q3 24 | $35.4M | $27.6M | ||
| Q2 24 | $33.3M | $27.0M | ||
| Q1 24 | $33.5M | $25.5M |
| Q4 25 | — | $10.8M | ||
| Q3 25 | $-2.3M | $11.9M | ||
| Q2 25 | $-8.8M | $11.2M | ||
| Q1 25 | $-3.2M | $10.6M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | $-2.2M | $12.7M | ||
| Q2 24 | $-2.8M | $12.8M | ||
| Q1 24 | $-3.8M | $11.4M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 59.0% | ||
| Q3 25 | -6.4% | 61.6% | ||
| Q2 25 | -28.9% | 59.5% | ||
| Q1 25 | -4.1% | 57.4% | ||
| Q4 24 | 1.3% | 57.0% | ||
| Q3 24 | 0.8% | 63.6% | ||
| Q2 24 | 0.7% | 65.6% | ||
| Q1 24 | -5.3% | 62.7% |
| Q4 25 | — | 40.9% | ||
| Q3 25 | -6.6% | 44.0% | ||
| Q2 25 | -24.6% | 43.1% | ||
| Q1 25 | -8.8% | 41.4% | ||
| Q4 24 | — | 40.1% | ||
| Q3 24 | -6.2% | 45.9% | ||
| Q2 24 | -8.3% | 47.5% | ||
| Q1 24 | -11.3% | 44.5% |
| Q4 25 | $-0.07 | $0.78 | ||
| Q3 25 | $-0.03 | $0.87 | ||
| Q2 25 | $-0.10 | $0.82 | ||
| Q1 25 | $-0.03 | $0.78 | ||
| Q4 24 | $-0.03 | $0.74 | ||
| Q3 24 | $-0.02 | $0.95 | ||
| Q2 24 | $-0.03 | $0.97 | ||
| Q1 24 | $-0.04 | $0.86 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $81.2M |
| Total DebtLower is stronger | — | $70.0M |
| Stockholders' EquityBook value | $132.7M | $351.7M |
| Total Assets | $186.0M | $2.1B |
| Debt / EquityLower = less leverage | — | 0.20× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $81.2M | ||
| Q3 25 | $61.5M | $64.3M | ||
| Q2 25 | $60.5M | $59.4M | ||
| Q1 25 | $59.6M | $89.5M | ||
| Q4 24 | $48.8M | $78.3M | ||
| Q3 24 | $39.2M | $97.8M | ||
| Q2 24 | $53.2M | $113.9M | ||
| Q1 24 | $49.3M | $107.4M |
| Q4 25 | — | $70.0M | ||
| Q3 25 | — | $170.0M | ||
| Q2 25 | — | $135.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $7.0M | ||
| Q2 24 | — | $47.0M | ||
| Q1 24 | — | $47.0M |
| Q4 25 | $132.7M | $351.7M | ||
| Q3 25 | $135.7M | $344.0M | ||
| Q2 25 | $131.8M | $336.7M | ||
| Q1 25 | $134.7M | $327.2M | ||
| Q4 24 | $128.2M | $318.3M | ||
| Q3 24 | $119.9M | $309.6M | ||
| Q2 24 | $114.0M | $300.0M | ||
| Q1 24 | $106.5M | $288.9M |
| Q4 25 | $186.0M | $2.1B | ||
| Q3 25 | $186.8M | $2.1B | ||
| Q2 25 | $187.1M | $2.0B | ||
| Q1 25 | $189.2M | $1.9B | ||
| Q4 24 | $173.7M | $2.0B | ||
| Q3 24 | $176.2M | $2.0B | ||
| Q2 24 | $192.9M | $1.9B | ||
| Q1 24 | $184.8M | $1.9B |
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | 0.49× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.02× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 0.16× |
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 | $2.2M | $52.6M |
| Free Cash FlowOCF − Capex | — | $50.8M |
| FCF MarginFCF / Revenue | — | 192.3% |
| Capex IntensityCapex / Revenue | — | 6.6% |
| Cash ConversionOCF / Net Profit | — | 4.86× |
| TTM Free Cash FlowTrailing 4 quarters | — | $89.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $52.6M | ||
| Q3 25 | $4.2M | $14.1M | ||
| Q2 25 | $8.9M | $15.6M | ||
| Q1 25 | $4.8M | $10.9M | ||
| Q4 24 | $7.4M | $48.7M | ||
| Q3 24 | $3.7M | $14.4M | ||
| Q2 24 | $9.3M | $11.1M | ||
| Q1 24 | $3.5M | $12.9M |
| Q4 25 | — | $50.8M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $14.9M | ||
| Q1 25 | — | $10.6M | ||
| Q4 24 | — | $48.2M | ||
| Q3 24 | — | $14.2M | ||
| Q2 24 | — | $11.0M | ||
| Q1 24 | — | $12.8M |
| Q4 25 | — | 192.3% | ||
| Q3 25 | — | 50.5% | ||
| Q2 25 | — | 57.3% | ||
| Q1 25 | — | 41.4% | ||
| Q4 24 | — | 189.3% | ||
| Q3 24 | — | 51.5% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 50.3% |
| Q4 25 | — | 6.6% | ||
| Q3 25 | 0.0% | 1.6% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | 0.0% | 2.0% | ||
| Q3 24 | 0.0% | 0.6% | ||
| Q2 24 | 0.0% | 0.5% | ||
| Q1 24 | 0.0% | 0.3% |
| Q4 25 | — | 4.86× | ||
| Q3 25 | — | 1.18× | ||
| Q2 25 | — | 1.40× | ||
| Q1 25 | — | 1.04× | ||
| Q4 24 | — | 4.77× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 0.87× | ||
| Q1 24 | — | 1.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
