Last 17 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
ECB Bancorp, Inc.'s quarterly P/E stands at 14.0x, down 35.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 5.9% YoY to 23.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 21.61 | 14.02 | 13.68 | 22.71 | 23.67 | 21.82 | 25.57 | 32.91 | 43.79 | 33.55 | 17.15 | 19.24 | 31.55 |
| — | -35.7% | -46.5% | -31.0% | -45.9% | -34.9% | +49.1% | +71.1% | +38.8% | -8.0% | — | — | — | |
| P/S Ratio | 2.24 | 1.68 | 1.59 | 1.66 | 1.77 | 1.71 | 1.71 | 1.56 | 1.70 | 1.75 | 1.61 | 2.00 | 2.39 |
| — | -2.1% | -7.0% | +6.4% | +4.0% | -1.9% | +6.4% | -21.9% | -29.1% | -48.9% | -57.7% | — | — | |
| P/B Ratio | 0.98 | 0.84 | 0.78 | 0.77 | 0.75 | 0.74 | 0.72 | 0.63 | 0.66 | 0.64 | 0.56 | 0.67 | 0.72 |
| — | +13.1% | +8.5% | +22.8% | +14.4% | +15.0% | +27.8% | -7.3% | -9.2% | -23.0% | -25.4% | — | — | |
| P/FCF | 19.80 | 9.31 | 8.36 | 17.51 | — | 6.94 | 34.69 | 19.34 | — | 10.46 | 83.78 | 14.70 | 21.02 |
| — | +34.2% | -75.9% | -9.4% | — | -33.7% | -58.6% | +31.6% | — | -7.8% | +741.5% | — | — | |
| EV / EBITDA | 35.47 | 23.42 | 21.12 | 37.11 | 29.54 | 24.90 | 36.19 | 47.56 | 60.73 | 48.91 | 29.76 | 33.21 | 50.00 |
| — | -5.9% | -41.6% | -22.0% | -51.4% | -49.1% | +21.6% | +43.2% | +21.5% | +13.7% | — | — | — | |
| EV / EBIT | 35.47 | 23.91 | 21.60 | 38.56 | 30.83 | 25.86 | 37.98 | 50.96 | 66.21 | 52.34 | 30.85 | 34.39 | 52.95 |
| — | -7.5% | -43.1% | -24.3% | -53.4% | -50.6% | +23.1% | +48.2% | +25.1% | +14.9% | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
ECB Bancorp, Inc.'s operating margin was 16.3% in Q4 2025, up 0.6 pp QoQ and up 5.6 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 12.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 5.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 39.9% | 43.3% | 41.5% | 35.4% | 38.7% | 40.9% | 37.5% | 36.0% | 37.9% | 40.2% | 45.5% | 47.8% | 46.5% |
| — | +5.9% | +10.6% | -1.7% | +2.2% | +1.8% | -17.6% | -24.6% | -18.5% | -32.5% | -37.8% | -38.8% | -46.0% | |
| Operating Margin | 13.1% | 16.3% | 15.7% | 9.8% | 9.6% | 10.7% | 8.8% | 6.4% | 5.2% | 7.0% | 12.3% | 13.9% | 9.9% |
| — | +52.4% | +78.1% | +54.4% | +85.0% | +53.6% | -28.3% | -54.1% | -47.6% | -49.2% | +167.2% | -45.3% | -69.0% | |
| Net Margin | 9.8% | 12.1% | 11.7% | 7.4% | 7.2% | 8.0% | 6.5% | 4.7% | 3.9% | 5.2% | 9.3% | 10.3% | 7.3% |
| — | +52.2% | +81.1% | +56.0% | +86.8% | +53.2% | -29.9% | -53.8% | -47.1% | -47.1% | +171.4% | -50.1% | -68.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 4.6% | 1.5% | 1.4% | 0.9% | 0.8% | 0.9% | 0.7% | 0.5% | 0.4% | 0.5% | 0.8% | 0.9% | 0.6% |
| — | +76.0% | +112.0% | +79.6% | +105.0% | +81.1% | -16.1% | -45.3% | -32.1% | -20.8% | +194.6% | -50.6% | -68.8% | |
| ROA | 0.5% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% |
| — | +57.9% | +89.1% | +62.1% | +87.9% | +64.6% | -24.4% | -50.5% | -40.7% | -37.1% | +189.0% | -36.2% | -60.3% | |
| ROIC | 1.8% | 0.6% | 0.6% | 0.3% | 0.3% | 0.4% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.4% | 0.3% |
| — | +62.9% | +94.1% | +68.2% | +102.7% | +80.6% | -13.9% | -45.6% | -38.8% | -46.0% | +149.8% | -70.9% | -83.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
ECB Bancorp, Inc.'s Debt/EBITDA ratio is 80.0x — elevated, raising questions about debt serviceability. The current ratio has weakened 45.5% YoY to 0.10x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.66 | 1.66 | 1.53 | 1.57 | 1.39 | 1.39 | 1.41 | 1.35 | 1.35 | 1.42 | 1.35 | 1.42 | 1.28 |
| — | +19.1% | +8.9% | +16.9% | +2.7% | -2.0% | +4.1% | -5.3% | +5.9% | +32.7% | +331.9% | +273.3% | +857.9% | |
| Debt / EBITDA | 27.44 | 80.00 | 78.02 | 133.07 | 130.29 | 116.19 | 144.98 | 196.66 | 246.97 | 207.26 | 121.34 | 117.23 | 160.99 |
| — | -31.1% | -46.2% | -32.3% | -47.2% | -43.9% | +19.5% | +67.8% | +53.4% | +71.2% | — | +589.8% | +2898.5% | |
| Current Ratio | 0.10 | 0.10 | 0.11 | 0.11 | 0.16 | 0.18 | 0.14 | 0.12 | 0.13 | 0.15 | 0.13 | 0.11 | 0.10 |
| — | -45.5% | -16.2% | -11.0% | +23.5% | +19.9% | +4.2% | +11.0% | +35.6% | +51.1% | +104.6% | +60.5% | — | |
| Quick Ratio | 0.10 | 0.10 | 0.11 | 0.11 | 0.16 | 0.18 | 0.14 | 0.12 | 0.13 | 0.15 | 0.13 | 0.11 | 0.10 |
| — | -45.5% | -16.2% | -11.0% | +23.5% | +19.9% | +4.2% | +11.0% | +35.6% | +51.1% | +104.6% | +60.5% | — | |
| Interest Coverage | 0.22 | 0.29 | 0.27 | 0.17 | 0.16 | 0.18 | 0.14 | 0.10 | 0.08 | 0.12 | 0.22 | 0.27 | 0.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 17 years · Updated daily
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Quick answers to the most common questions about buying ECBK stock.
ECB Bancorp, Inc.'s current P/E is 21.6x. The average P/E over the last 4 quarters is 18.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ECB Bancorp, Inc.'s current operating margin is 13.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking ECB Bancorp, Inc.'s business trajectory between earnings reports.