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ECB Bancorp, Inc.(ECBK)Earnings, Financials & Key Ratios
ECBK•NASDAQ•Banking & Credit
21.6× P/E·Price updated Jun 19, 2026
AboutECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.Show more
- Net Interest Income$32M+27.7%
- Total Revenue$80M+16.5%
- Net Income$8M+94.7%
- Return on Equity4.57%+90.7%
- Net Interest Margin1.99%+12.8%
- Efficiency Ratio26.83%-11.4%
- ROA0.51%+73.8%
- Equity / Assets10.71%-9.8%
- Book Value per Share20.69+2.6%
ECBK Key Insights
ECB Bancorp, Inc. (ECBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 26.8% efficiency ratio
- ✓Well capitalized: 10.7% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 3.2%
- ✗Weak NIM of 2.0%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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ECBK Price & Volume
ECB Bancorp, Inc. (ECBK) stock price & volume — 10-year historical chart
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ECBK Growth Metrics
ECB Bancorp, Inc. (ECBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years28.41%
3 Years37.54%
TTM-
Profit CAGR
10 Years-
5 Years9.84%
3 Years41.9%
TTM94.76%
EPS CAGR
10 Years-
5 Years18.64%
3 Years43.22%
TTM94.19%
Return on Capital
10 Years3.22%
5 Years2.5%
3 Years1.73%
Last Year2.32%
ECBK Recent Earnings
ECB Bancorp, Inc. (ECBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 8, 2026Metric
Actual
Est
EPS
$0.38
—
Rev
$22M
—
Q2 2026
May 7, 2026Metric
Actual
Est
EPS
$0.39
—
Rev
$22M
—
Q2 2026
Apr 23, 2026Metric
Actual
Est
EPS
$0.39
—
Rev
$22M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.31
—
Rev
$21M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 8, 2026 | $0.38 | $22M |
| Q2 2026 | May 7, 2026 | $0.39 | $22M |
| Q2 2026 | Apr 23, 2026 | $0.39 | $22M |
| Q1 2026 | Feb 5, 2026 | $0.31 | $21M |
Based on last 12 quarters of dataView full earnings history →
ECBK Peer Comparison
ECB Bancorp, Inc. (ECBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CARE | 686.07M | 30.96 | 22.11 | 6.24% | 12.46% | 7.65% | 0.43 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 NFBK | 601.82M | 14.41 | 727.78 | -26.69% | 0.3% | 0.11% | 1.44 | |
 OCFC | 1.03B | 18.03 | 15.41 | -4.7% | 10.75% | 4.26% | 0.98 | |
 DCOM | 1.72B | 39.00 | 16.46 | 13.03% | 15.15% | 7.67% | 0.25 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 |
Compare ECBK vs Peers
ECB Bancorp, Inc. (ECBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ECBK Income Statement
ECB Bancorp, Inc. (ECBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Net Interest Income | 15.85M | 18.69M | 23.64M | 24.79M | 24.99M | 31.92M |
NII Growth % | - | 17.94% | 26.47% | 4.86% | 0.8% | 27.73% |
Net Interest Margin % | 2.7% | 2.8% | 2.22% | 1.94% | 1.76% | 1.99% |
Interest Income | 21.49M | 22.38M | 29.16M | 54.78M | 67.05M | 78.18M |
Interest Expense | 5.64M | 3.68M | 5.51M | 29.99M | 42.06M | 46.26M |
Loan Loss Provision | 293K | 360K | 2.94M | 803K | 174K | 1.53M |
Non-Interest Income | 1.28M | 1.22M | 1.4M | 1.05M | 1.23M | 1.33M |
Non-Interest Income % | 5.63% | 5.18% | 4.58% | 1.88% | 1.8% | 1.67% |
Total Revenue | 22.77M▲ 0% | 23.6M▲ 3.6% | 30.56M▲ 29.5% | 55.83M▲ 82.7% | 68.27M▲ 22.3% | 79.51M▲ 16.5% |
Revenue Growth % | - | 3.64% | 29.5% | 82.7% | 22.29% | 16.46% |
Non-Interest Expense | 10.31M | 14.09M | 18.61M | 19.05M | 20.67M | 21.33M |
Efficiency Ratio | 45.26% | 59.69% | 60.89% | 34.13% | 30.27% | 26.83% |
Operating Income | 6.53M▲ 0% | 5.47M▼ 16.3% | 3.5M▼ 36.1% | 5.99M▲ 71.2% | 5.37M▼ 10.3% | 10.38M▲ 93.2% |
Operating Margin % | 28.69% | 23.19% | 11.44% | 10.72% | 7.87% | 13.05% |
Operating Income Growth % | - | -16.26% | -36.1% | 71.2% | -10.26% | 93.24% |
Pretax Income | 6.53M▲ 0% | 5.47M▼ 16.3% | 3.5M▼ 36.1% | 5.99M▲ 71.2% | 5.37M▼ 10.3% | 10.38M▲ 93.2% |
Pretax Margin % | 28.69% | 23.19% | 11.44% | 10.72% | 7.87% | 13.05% |
Income Tax | 1.67M | 1.43M | 776K | 1.53M | 1.38M | 2.61M |
Effective Tax Rate % | 25.61% | 26.12% | 22.2% | 25.55% | 25.69% | 25.12% |
Net Income | 4.86M▲ 0% | 4.04M▼ 16.8% | 2.72M▼ 32.7% | 4.46M▲ 63.8% | 3.99M▼ 10.4% | 7.77M▲ 94.7% |
Net Margin % | 21.34% | 17.13% | 8.9% | 7.98% | 5.85% | 9.78% |
Net Income Growth % | - | -16.83% | -32.71% | 63.82% | -10.44% | 94.74% |
Net Income (Continuing) | 4.86M | 4.04M | 2.72M | 4.46M | 3.99M | 7.77M |
EPS (Diluted) | 0.40▲ 0% | 0.33▼ 17.5% | 0.32▼ 3.0% | 0.52▲ 62.5% | 0.48▼ 7.7% | 0.94▲ 95.8% |
EPS Growth % | - | -17.5% | -3.03% | 62.5% | -7.69% | 95.83% |
EPS (Basic) | 0.40 | 0.33 | 0.32 | 0.53 | 0.48 | 0.96 |
Diluted Shares Outstanding | 12.23M | 12.23M | 8.46M | 8.52M | 8.35M | 8.31M |
ECBK Balance Sheet
ECB Bancorp, Inc. (ECBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Cash & Short Term Investments | 48.45M | 57.98M | 67.35M | 124.04M | 172.28M | 103.8M |
Cash & Due from Banks | 43.41M | 52.98M | 62.35M | 119.04M | 157.72M | 94.92M |
Short Term Investments | 5.04M | 5.01M | 5M | 5M | 14.57M | 8.88M |
Total Investments | 525.61M | 589.01M | 968.27M | 1.12B | 1.22B | 1.46B |
Investments Growth % | - | 12.06% | 64.39% | 15.85% | 8.42% | 20.23% |
Long-Term Investments | 520.57M | 584M | 963.26M | 1.12B | 1.2B | 1.45B |
Accounts Receivables | 1.82M | 1.48M | 2.63M | 3.77M | 4.01M | 5.21M |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 3.98M | 3.78M | 3.7M | 3.75M | 3.51M | 3.43M |
Other Assets | 10.88M | 15.96M | 23.17M | 27.24M | 31.77M | 34.17M |
Total Current Assets | 50.27M | 59.47M | 69.98M | 127.81M | 176.3M | 109.02M |
Total Non-Current Assets | 537.36M | 607.02M | 994.48M | 1.15B | 1.24B | 1.5B |
Total Assets | 587.63M▲ 0% | 666.49M▲ 13.4% | 1.06B▲ 59.7% | 1.28B▲ 20.3% | 1.42B▲ 10.8% | 1.61B▲ 13.2% |
Asset Growth % | - | 13.42% | 59.71% | 20.28% | 10.76% | 13.22% |
Return on Assets (ROA) | 0.83% | 0.64% | 0.31% | 0.38% | 0.3% | 0.51% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 18M | 9M | 174M | 234M | 234M | 284.81M |
Net Debt | -25.41M | -43.98M | 111.65M | 114.96M | 76.28M | 189.9M |
Long-Term Debt | 18M | 9M | 174M | 234M | 234M | 284.81M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | 5.19M | 8.46M | 9.58M | 13.22M | 17.35M | 16.56M |
Total Current Liabilities | 491.4M | 571.75M | 718.15M | 868.21M | 998.53M | 1.13B |
Total Non-Current Liabilities | 23.19M | 17.46M | 183.58M | 247.22M | 251.35M | 301.38M |
Total Liabilities | 514.59M | 589.22M | 901.73M | 1.12B | 1.25B | 1.43B |
Total Equity | 73.03M▲ 0% | 77.27M▲ 5.8% | 162.73M▲ 110.6% | 164.9M▲ 1.3% | 168.27M▲ 2.0% | 171.93M▲ 2.2% |
Equity Growth % | - | 5.8% | 110.59% | 1.33% | 2.04% | 2.18% |
Equity / Assets (Capital Ratio) | 12.43% | 11.59% | 15.29% | 12.88% | 11.87% | 10.71% |
Return on Equity (ROE) | 6.65% | 5.38% | 2.27% | 2.72% | 2.4% | 4.57% |
Book Value per Share | 5.97 | 6.32 | 19.24 | 19.35 | 20.16 | 20.69 |
Tangible BV per Share | 5.97 | 6.32 | 19.24 | 19.35 | 20.16 | 20.69 |
Common Stock | 0 | 0 | 92K | 93K | 91K | 88K |
Additional Paid-in Capital | 0 | 0 | 89.29M | 87.43M | 86.19M | 83M |
Retained Earnings | 73.31M | 77.36M | 80.08M | 83.85M | 87.84M | 95.62M |
Accumulated OCI | -280K | -83K | 249K | 129K | 382K | -896K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
ECBK Cash Flow Statement
ECB Bancorp, Inc. (ECBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
Cash from Operations | 5.08M | 6.45M | 7.77M | 6.43M | 6.3M | 9.22M |
Operating CF Growth % | - | 27.02% | 20.48% | -17.19% | -2.13% | 46.42% |
Net Income | 4.86M | 4.04M | 2.72M | 4.46M | 3.99M | 7.77M |
Depreciation & Amortization | 350K | 300K | 302K | 279K | 302K | 297K |
Deferred Taxes | -434K | -1.12M | -1.5M | -111K | -250K | -246K |
Other Non-Cash Items | -427K | 1.84M | 4.59M | 762K | 111K | 994K |
Working Capital Changes | 728K | 1.39M | 1.1M | 310K | 274K | -1.41M |
Cash from Investing | -55.67M | -68.22M | -389.34M | -157.29M | -95.29M | -259.9M |
Purchase of Investments | -39.48M | -26.9M | -22.63M | -8.29M | -15.5M | -62.77M |
Sale/Maturity of Investments | 24.03M | 13.96M | 10.43M | 8.86M | 17.71M | 49.94M |
Net Investment Activity | -15.45M | -12.94M | -12.2M | 572K | 2.21M | -12.82M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -40.12M | -55.18M | -376.92M | -157.53M | -97.44M | -246.87M |
Cash from Financing | 63.59M | 71.33M | 390.64M | 207.84M | 127.57M | 179.99M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | -2.23M | -2.72M | -4.61M |
Stock Issued | 0 | 0 | 79.25M | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 79.25M | -2.23M | -2.72M | -4.61M |
Debt Issuance (Net) | -1000K | -1000K | 1000K | 1000K | 0 | 1000K |
Other Financing | 67.58M | 80.33M | 146.4M | 150.06M | 130.29M | 133.78M |
Net Change in Cash | 12.99M▲ 0% | 9.56M▼ 26.4% | 9.07M▼ 5.1% | 56.99M▲ 527.9% | 38.58M▼ 32.3% | -70.69M▼ 283.2% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 30.42M | 43.41M | 52.98M | 62.05M | 119.04M | 157.62M |
Cash at End | 43.41M | 52.98M | 62.05M | 119.04M | 157.62M | 86.92M |
Interest Paid | 5.68M | 3.65M | 4.83M | 28.53M | 42.04M | 46.56M |
Income Taxes Paid | 2.22M | 2.41M | 1.98M | 2.26M | 1.57M | 2.75M |
Free Cash Flow | 4.97M▲ 0% | 6.34M▲ 27.7% | 7.55M▲ 19.1% | 6.1M▼ 19.3% | 6.24M▲ 2.3% | 9.01M▲ 44.4% |
FCF Growth % | - | 27.74% | 19.05% | -19.26% | 2.26% | 44.4% |
ECBK Banking Ratios
ECB Bancorp, Inc. (ECBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
Return on Equity (ROE) | 6.65% | 5.38% | 2.27% | 2.72% | 2.4% | 4.57% |
Return on Assets (ROA) | 0.83% | 0.64% | 0.31% | 0.38% | 0.3% | 0.51% |
Net Interest Margin | 2.7% | 2.8% | 2.22% | 1.94% | 1.76% | 1.99% |
Efficiency Ratio | 45.26% | 59.69% | 60.89% | 34.13% | 30.27% | 26.83% |
Equity / Assets | 12.43% | 11.59% | 15.29% | 12.88% | 11.87% | 10.71% |
Book Value / Share | 5.97 | 6.32 | 19.24 | 19.35 | 20.16 | 20.69 |
NII Growth | - | 17.94% | 26.47% | 4.86% | 0.8% | 27.73% |
Related:ECBK Dividend History·ECBK Revenue History·ECBK Price History·ECBK P/E History·ECBK Financial Ratios·ECBK Institutional Holders
ECBK SEC Filings & Documents
ECB Bancorp, Inc. (ECBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
ECBK Frequently Asked Questions
ECB Bancorp, Inc. (ECBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
ECB Bancorp, Inc. (ECBK) grew revenue by 16.5% over the past year. This is strong growth.
Yes, ECB Bancorp, Inc. (ECBK) is profitable, generating $7.8M in net income for fiscal year 2025 (9.8% net margin).
Dividend & Returns
ECB Bancorp, Inc. (ECBK) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.
Industry Metrics
ECB Bancorp, Inc. (ECBK) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
ECB Bancorp, Inc. (ECBK) has an efficiency ratio of 26.8%. This is excellent, indicating strong cost control.