ECB Bancorp, Inc. (ECBK) Financial Ratios
6 years of historical data (2020–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
35.47
↓-16% vs avg
5yr avg: 42.02
30Y Low32.2·High65.1
P/FCF
↓
19.80
+11% vs avg
5yr avg: 17.86
30Y Low16.0·High19.9
P/B Ratio
↑
0.98
↑+28% vs avg
5yr avg: 0.76
30Y Low0.6·High0.8
ROE
↓
4.6%
↓+32% vs avg
5yr avg: 3.5%
30Y Low2%·High7%
Debt/EBITDA
↑
27.44
↓-11% vs avg
5yr avg: 30.68
30Y Low1.6·High45.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ECBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
ECB Bancorp, Inc. trades at 21.6x earnings, 30% below its 5-year average of 30.9x, sitting at the 25th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 59%. On a free-cash-flow basis, the stock trades at 19.8x P/FCF, 11% above the 5-year average of 17.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Market Cap | $178M | $145M | $124M | $107M | $136M | — | — |
| Enterprise Value | $368M | $334M | $200M | $222M | $247M | — | — |
| P/E Ratio → | 21.61 | 18.50 | 30.92 | 24.15 | 50.16 | — | — |
| P/S Ratio | 2.24 | 1.82 | 1.81 | 1.92 | 4.44 | — | — |
| P/B Ratio | 0.98 | 0.84 | 0.74 | 0.65 | 0.83 | — | — |
| P/FCF | 19.80 | 16.05 | 19.86 | 17.55 | 17.97 | — | — |
| P/OCF | 19.34 | 15.68 | 19.67 | 16.64 | 17.47 | — | — |
P/E links to full P/E history page with 30-year chart
ECBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
ECB Bancorp, Inc.'s enterprise value stands at 35.5x EBITDA, 16% below its 5-year average of 42.0x. The Financial Services sector median is 11.4x, placing the stock at a 211% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.21 | 2.93 | 3.98 | 8.10 | — | — |
| EV / EBITDA | 35.47 | 32.22 | 35.28 | 35.44 | 65.13 | — | — |
| EV / EBIT | 35.47 | 32.22 | 37.26 | 37.10 | 70.76 | — | — |
| EV / FCF | — | 37.14 | 32.09 | 36.40 | 32.75 | — | — |
ECBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
ECB Bancorp, Inc. earns an operating margin of 13.1%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 10.7% to 13.1% over the past 3 years, signaling improving operational efficiency. ROE of 4.6% is modest, trailing the sector median of 9.0%. ROIC of 1.8% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 39.9% | 39.9% | 38.1% | 44.9% | 72.3% | 82.9% | 74.0% |
| Operating Margin | 13.1% | 13.1% | 7.9% | 10.7% | 11.4% | 23.2% | 28.7% |
| Net Profit Margin | 9.8% | 9.8% | 5.8% | 8.0% | 8.9% | 17.1% | 21.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| ROE | 4.6% | 4.6% | 2.4% | 2.7% | 2.3% | 5.4% | 6.7% |
| ROA | 0.5% | 0.5% | 0.3% | 0.4% | 0.3% | 0.6% | 0.8% |
| ROIC | 1.8% | 1.8% | 1.0% | 1.2% | 1.2% | 4.6% | 5.4% |
| ROCE | 2.3% | 2.3% | 1.3% | 1.6% | 1.6% | 5.7% | 6.8% |
ECBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
ECB Bancorp, Inc. carries a Debt/EBITDA ratio of 27.4x, which is highly leveraged (544% above the sector average of 4.3x). Net debt stands at $190M ($285M total debt minus $95M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.66 | 1.66 | 1.39 | 1.42 | 1.07 | 0.12 | 0.25 |
| Debt / EBITDA | 27.44 | 27.44 | 41.25 | 37.36 | 45.81 | 1.56 | 2.62 |
| Net Debt / Equity | — | 1.10 | 0.45 | 0.70 | 0.69 | -0.57 | -0.35 |
| Net Debt / EBITDA | 18.30 | 18.30 | 13.45 | 18.35 | 29.40 | -7.62 | -3.69 |
| Debt / FCF | — | 21.09 | 12.23 | 18.85 | 14.78 | -6.93 | -5.12 |
| Interest Coverage | 0.22 | 0.22 | 0.13 | 0.20 | 0.63 | 1.49 | 1.16 |
ECBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.10x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.15x to 0.10x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 0.10 | 0.10 | 0.18 | 0.15 | 0.10 | 0.10 | 0.10 |
| Quick Ratio | 0.10 | 0.10 | 0.18 | 0.15 | 0.10 | 0.10 | 0.10 |
| Cash Ratio | 0.08 | 0.08 | 0.16 | 0.14 | 0.09 | 0.09 | 0.09 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — |
ECBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
ECB Bancorp, Inc. returns 2.6% to shareholders annually primarily through share buybacks. The earnings yield of 4.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.6% | 5.4% | 3.2% | 4.1% | 2.0% | — | — |
| FCF Yield | 5.1% | 6.2% | 5.0% | 5.7% | 5.6% | — | — |
| Buyback Yield | 2.6% | — | — | — | — | — | — |
| Total Shareholder Yield | 2.6% | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $9M | $8M | $12M | $12M |
Peer Comparison
Compare ECBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ECBKYou | $178M | 21.6 | 35.5 | 19.8 | 39.9% | 13.1% | 4.6% | 1.8% | 27.4 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CARE | $686M | 22.1 | 19.0 | 21.6 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 NECB | $356M | 7.9 | 5.5 | 7.0 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 6 years · Updated daily
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ECBK — Frequently Asked Questions
Quick answers to the most common questions about buying ECBK stock.
What is ECB Bancorp, Inc.'s P/E ratio?
ECB Bancorp, Inc.'s current P/E ratio is 21.6x. The historical average is 30.9x. This places it at the 25th percentile of its historical range.
What is ECB Bancorp, Inc.'s EV/EBITDA?
ECB Bancorp, Inc.'s current EV/EBITDA is 35.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 42.0x.
What is ECB Bancorp, Inc.'s ROE?
ECB Bancorp, Inc.'s return on equity (ROE) is 4.6%. The historical average is 4.0%.
Is ECBK stock overvalued?
Based on historical data, ECB Bancorp, Inc. is trading at a P/E of 21.6x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are ECB Bancorp, Inc.'s profit margins?
ECB Bancorp, Inc. has 39.9% gross margin and 13.1% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does ECB Bancorp, Inc. have?
ECB Bancorp, Inc.'s Debt/EBITDA ratio is 27.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.