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ECB Bancorp, Inc. ECBK R2K

Financial Services · Banks - Regional · United States
https://www.everettbank.com

ECB Bancorp, Inc. 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, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It 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. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.

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$18.26
+12.37% 1Y

Market & Price

Market Cap
$159.85M
Current Price
$18.26
High / Low (52W)
$18.67 / $14.82
Beta
0.49

Valuation

Stock P/E
15.74
Industry PE
12.01
Forward P/E
-
PEG Ratio
-
Book Value
$20.05
Price to Book
0.91
P/S
4.59
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
-
ROE
5.57%
ROA
0.62%
Profit Margin
27.59%
Op Margin
45.10%
EPS (Latest Qtr)
$0.38
EPS (TTM)
$1.16

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$261.65M
Total Assets
$1.61B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.11%
Chg in Prom Hold
-
FII / Inst Holding
30.61%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$298.44M
Total Revenue (TTM)
$34.79M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$12.66M
Shares Outstanding
8.75M
Gross Margin
0.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
9.90%
Profit 5Y
41.90%
Revenue (YoY)
44.40%
Earnings (YoY)
140.60%

PROS

  • Excellent profit margin of 27.6%.
  • Profit CAGR of 41.9% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ECBK ECB Bancorp, Inc. R2K 18.26 15.74 $159.85M - - 5.57% 9.90% 41.90%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------6.92M8.02M8.80M9.51M10.16M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense ------------10.97M11.44M11.96M11.89M11.78M
Pretax Income ------------1.72M1.92M3.26M3.49M4.26M
Tax Provision ------------424.00K475.00K817.00K891.00K1.14M
Net Income 1.29M1.42M1.34M1.38M1.40M-1.03M901.00K1.43M1.34M621.00K791.00K1.13M1.30M1.44M2.44M2.60M3.12M
Diluted EPS ---0.00--0.120.110.170.160.070.090.140.160.170.290.310.38

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -25.04M25.84M26.21M33.24M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -5.51M29.99M42.06M46.26M
Pretax Income -3.50M5.99M5.37M10.38M
Tax Provision -776.00K1.53M1.38M2.61M
Net Income -2.72M4.46M3.99M7.77M
Diluted EPS -0.320.520.480.94

Compounded Sales Growth

5 Years:9.90%
1 Year:44.40%

Compounded Profit Growth

5 Years:41.90%
1 Year:140.60%

Stock Price Performance

1 Year:+12.37%
6 Months:+4.94%
3 Months:+6.22%
1 Month:+0.77%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -666.49M1.06B1.28B1.42B1.61B
Current Assets ------
Cash & Equivalents --62.35M119.04M157.72M94.92M
Inventory ------
Receivables --2.63M3.77M4.01M5.21M
Total Liabilities -589.22M901.73M1.12B1.25B1.43B
Current Liabilities ------
Long Term Debt --174.00M234.00M234.00M284.81M
Total Debt --174.00M234.00M234.00M284.81M
Total Equity 73.03M77.27M162.73M164.90M168.27M171.93M
Shares Outstanding --9.18M9.29M9.10M8.79M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -7.77M6.43M6.23M9.22M
Investing Cash Flow --389.34M-157.29M-95.29M-259.90M
Financing Cash Flow -390.64M207.84M127.64M179.99M
Capital Expenditure --216.00K-335.00K-60.00K-214.00K
Free Cash Flow -7.55M6.10M6.17M9.01M
Net Change in Cash -9.07M56.99M38.58M-70.69M
Share Buybacks --2.23M2.72M4.61M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -10.9%17.2%15.2%23.4%
ROE % -1.7%2.7%2.4%4.5%
ROCE % -----

Shareholding Pattern

Insiders
17.11%
Institutions
30.61%
Public Float
36.93%

Top Institutional Holders

#Holder% HeldSharesValue
1 Alliancebernstein L.P. 8.99% 787.28K $14.38M
2 Blackrock Inc. 4.51% 394.65K $7.21M
3 Vanguard Capital Management LLC 4.39% 383.92K $7.01M
4 Geode Capital Management, LLC 1.76% 154.25K $2.82M
5 Sachetta, LLC 1.36% 118.85K $2.17M
6 Renaissance Technologies, LLC 1.00% 87.87K $1.60M
7 State Street Corporation 0.91% 79.59K $1.45M
8 Northern Trust Corporation 0.72% 63.40K $1.16M
9 Oppenheimer & Close, LLC 0.70% 61.01K $1.11M
10 Maltese Capital Management, LLC 0.63% 55.20K $1.01M

Analyst View

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