ECB Bancorp, Inc. (ECBK)

NASDAQ: ECBK · USD

$20.4

-0.94 (-4.4%)· Recorded snapshot

Market cap	178.2M
Revenue (ttm)	40.4M
Net income (ttm)	12.4M
EPS (ttm)	$1.49
Shares out	8.7M
P/E (trailing)	13.7x
Volume	2,895
Beta	0.46

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 40.4M
Net income (ttm): 12.4M
EPS (ttm): $1.49
P/E (trailing): 13.7x
Market cap: 178.2M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	強い買い
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	強い買い
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	ホールド

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E13.7

P25 n/aP50 n/aP75 n/a

ROE7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ECBK indicators

Market & fundamental data

Available fields

202

Groups with data

Currency

USD

Showing 202 of 202 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001914605
Company name	ECB Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	26828M106
Earnings date	2026-11-10
Earnings time	amc
Employees	64
Employees change	-4
Employees growth	-5.88%
Enterprise value	$362.4M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1919
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US26828M1062
Last 10-K release date	2026-03-25
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$178.2M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$20.40
Price currency	USD
Sector	Financials
SIC code	6036
Stock price date	2026-10-28
Symbol	ECBK
U.S. state	Massachusetts
Website	https://www.everettbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (3Y)	25.22x
Average P/E ratio (5Y)	33.19x
Earnings yield	7.31%
EV/Earnings	29.94x
EV/FCF	16.54x
EV/Sales	9.16x
FCF / EV yield	6.05%
FCF yield	12.03%
Graham number	26.65161
Graham upside	25.07%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$30.65
Lynch upside	43.85%
P/B ratio	1.01x
P/E ratio	13.67x
P/FCF ratio	8.31x
P/OCF ratio	8.18x
P/S ratio	4.6x
Price / tangible book value	1.01x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	26.5%
FCF margin	58.67%
Operating margin	44.06%
Pretax margin	41.61%
Profit margin	30.58%
Profit per employee	$193,281
Profitable quarters	15
Profitable years	6
Revenue per employee	$631,969
ROA	0.76%
ROA (5Y)	0.43%
ROE	6.99%
ROE (5Y)	3.47%
Tax / revenue	11.02%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	86.45%
EPS growth (Q)	37.93%
EPS growth (QoQ)	2.56%
EPS growth 3Y	40.34%
EPS growth quarters	7
EPS growth years	1
FCF growth	246.3%
FCF growth 3Y	33.88%
Net income growth	86.8%
Net income growth (Q)	39.03%
Net income growth (QoQ)	3.99%
Net income growth 3Y	38.63%
Net income growth 5Y	20.54%
Net income growth quarters	7
Net income growth years	1
OCF growth	248.25%
OCF growth 3Y	33.67%
Revenue growth	35.45%
Revenue growth (Q)	26.41%
Revenue growth (QoQ)	5.94%
Revenue growth 3Y	17.63%
Revenue growth 5Y	19.15%
Revenue growth quarters	7
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-363,000
EPS	$1.49
FCF per share	$2.56
Financing cash flow	$141.9M
Free cash flow	$22.4M
Gross profit	$40.4M
Income taxes	$4.5M
Investing cash flow	$-139.4M
Net borrowing	$20.2M
Net cash flow	$25.3M
Net income	$12.4M
Operating income	$17.8M
Revenue	$40.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$21.16
Debt / equity	1.53
Debt / FCF	12.61
Net cash (debt)	$-184.2M
Net cash / market cap	-98.91%
Net debt / equity	1
Net debt / FCF	8.22
Piotroski F-Score	4
Property, plant and equipment	$4.6M
Shareholders' equity	$184.9M
Tangible book value	$184.9M
Tangible book value per share	$21.16
Total assets	$1.7B
Total cash	$98.3M
Total debt	$282.5M
Total liabilities	$1.5B
WACC	2.68%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-1.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.02%
Dividend yield	0%
Shareholder yield	0.02%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$19.59
1D price change	-4.4%
1M price change	1.69%
1M total return	1.69%
1W price change	6.69%
1W total return	6.69%
1Y price change	33.91%
1Y return CAGR	33.93%
1Y total return	33.91%
20-day SMA	$20.61
200-day SMA	$19.04
3M price change	3.19%
3M total return	3.19%
3Y price change	109.45%
3Y return CAGR	27.94%
3Y total return	109.45%
50-day SMA	$20.71
50-day SMA vs 200-day SMA	50over200
52-week high	$21.78
52-week high date	2026-09-03
52-week low	$15.19
52-week low date	2025-10-29
6M price change	16.17%
6M total return	16.17%
All-time high	$21.78
All-time high date	2026-09-03
All-time low	$9.82
All-time low date	2023-10-12
Average true range (ATR)	$0.64
Average volume	9.9K
Beta (1Y)	0.54
Beta (2Y)	0.44
Beta (5Y)	0.46
Change from 52-week high	-6.34%
Change from 52-week low	34.3%
Change from all-time high	-3.35%
Change from all-time low	114.36%
Change from open	0%
Day's gap	-4.4%
Dollar volume	$59,058
High price	$20.40
Low price	$20.40
Monthly RSI	70.98
Open price	$20.40
Previous close	$21.34
Price vs 150-day SMA	7.46%
Price vs 20-day SMA	2.15%
Price vs 200-day SMA	10.56%
Price vs 50-day SMA	1.63%
Relative volume	0.29
RSI	54.17
Sharpe ratio	1.11
Sharpe ratio (3Y)	0.87
Sortino ratio	2
Sortino ratio (3Y)	1.56
Volume	2.9K
Weekly RSI	57.98
YTD price change	21.05%
YTD total return	21.05%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	8M
Float percentage	91.17%
Shares change (QoQ)	0.68%
Shares change (YoY)	-0.02%
Shares held by insiders	8.83%
Shares held by institutions	38.82%
Shares outstanding	8.7M
Short % of float	1.44%
Short % of shares	1.32%
Short ratio	10.7 days

Deeper analysis on ECBK

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this ECBK report

Is a complete ECBK research report available?

No complete published report is available for ECB Bancorp, Inc. (ECBK) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ECB Bancorp, Inc. (ECBK)

Price

Financial snapshot

Fair-value bridge

Latest news · ECBK

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ECBK indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ECBK

Frequently asked questions