ECB Bancorp, Inc. (ECBK) Earnings History
Elite Compounder6 years of earnings data (2020–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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ECB Bancorp, Inc. (ECBK) Earnings Overview
As of June 19, 2026, ECB Bancorp, Inc. (ECBK) reported trailing twelve-month net income of $8M, reflecting +95.8% year-over-year growth. The company earned $0.94 per diluted share over the past four quarters, with a net profit margin of 9.8%.
Looking at the long-term picture, ECBK's 5-year EPS compound annual growth rate (CAGR) stands at +18.6%, indicating exceptional earnings growth. The company achieved its highest annual net income of $8M in fiscal 2025, representing a new all-time high.
ECB Bancorp, Inc. maintains positive profitability with a gross margin of 39.9%, operating margin of 13.1%, and net margin of 9.8%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NBTB ($169M net income, 19.5% margin), CARE ($31M net income, 12.3% margin), NECB ($44M net income, 28.2% margin), ECBK has room to improve margins relative to the peer group. Compare ECBK vs NBTB →
ECBK Earnings vs Peers
Earnings metrics vs comparable public companies
ECBK Historical Earnings Data (2020–2025)
6 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8M | +94.7% | $10M | $0.94 | 9.8% | 13.1% |
| 2024 | $4M | -10.4% | $5M | $0.48 | 5.8% | 7.9% |
| 2023 | $4M | +63.8% | $6M | $0.52 | 8.0% | 10.7% |
| 2022 | $3M | -32.7% | $3M | $0.32 | 8.9% | 11.4% |
| 2021 | $4M | -16.8% | $5M | $0.33 | 17.1% | 23.2% |
| 2020 | $5M | - | $7M | $0.40 | 21.3% | 28.7% |
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ECBK — Frequently Asked Questions
Quick answers to the most common questions about buying ECBK stock.
What is ECBK earnings per share (EPS)?
ECBK trailing twelve-month (TTM) diluted EPS is $0.94, reflecting +95.8% year-over-year growth. The 5-year EPS CAGR is +18.6%. Complete EPS history from 2020 to 2025 is available in the table on this page.
What is ECB Bancorp, Inc.'s net income?
ECB Bancorp, Inc. (ECBK) trailing twelve-month net income is $8M as of 2025. Earnings grew +95.8% year-over-year. ECB Bancorp, Inc. has been profitable for 6 consecutive years.
Is ECBK profitable?
Yes, ECBK is profitable with a TTM net income of $8M and a net profit margin of +9.8%. ECB Bancorp, Inc. has generated profits for 6 consecutive years.
What is ECBK's earnings growth rate?
ECBK compound annual EPS growth rates (CAGR): 1-Year: +95.8%, 3-Year: +43.2%, 5-Year: +18.6%, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2020 to 2025.
What are ECBK's profit margins?
ECB Bancorp, Inc. net profit margin is +9.8%, operating margin is +13.1%, and gross margin is +39.9%. Margins are within a typical range for the sector. Return on Equity is +4.6%.
Is ECBK growing earnings?
Yes, ECBK earnings are accelerating — EPS growth of +95.8% exceeds the 5-year CAGR of +18.6%. TTM net income reached $8M. Earnings momentum is strengthening.
What was ECBK's best earnings year?
ECB Bancorp, Inc.'s highest annual net income on record is $8M, achieved in fiscal year 2025. Earnings history on this page spans 2020 to 2025 and includes all annual and quarterly figures.
What were ECBK's earnings last quarter?
ECBK's most recent reported quarter was Q4 2025. Net income was $3M with diluted EPS of $0.31. For a full breakdown of all quarters, see the quarterly earnings table on this page.