ECB Bancorp, Inc. ECBK R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 17.8% per year over the last five years.
Trades at an undemanding P/E of 15.7.
Maintains a net profit margin of 29.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $598.00K (+3.6% YoY); net profit $7.77M.
- Trailing 12 Months Year-on-year growth — revenue +49.1%, earnings +129.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.6%, profit CAGR 17.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.64% |
| 1 Year: | 49.10% |
Compounded Profit Growth
| 5 Years: | 17.76% |
| 1 Year: | 129.40% |
Stock Price Performance
| 1 Year: | +30.80% |
| 6 Months: | +18.56% |
| 3 Months: | +6.18% |
| 1 Month: | +4.64% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)62.46 · Neutral
P/E of 15.70 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.9%.
- Profit CAGR of 17.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ECBK ECB Bancorp, Inc. R2KFINANCIAL | 21.66 | 15.70 | $189.26M | 0.00% | - | 6.56% | 3.64% | 17.76% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 140.00K | - | - | 155.00K | 152.00K |
| Net Income | 1.29M | 1.42M | 1.34M | 1.38M | 1.40M | -1.03M | 901.00K | 1.43M | 1.34M | 621.00K | 791.00K | 1.13M | 1.30M | 1.44M | 2.44M | 3.12M | 3.26M |
| Diluted EPS | - | - | - | 0.00 | - | -0.12 | 0.11 | 0.17 | 0.16 | 0.07 | 0.09 | 0.14 | 0.16 | 0.17 | 0.29 | 0.38 | 0.39 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | - | - | 577.00K | 598.00K |
| Net Income | 4.04M | 2.72M | 4.46M | 3.99M | 7.77M |
| Diluted EPS | - | 0.32 | 0.52 | 0.48 | 0.94 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Total Assets | - | 666.49M | 1.06B | 1.28B | 1.42B | 1.61B |
| Total Equity | 73.03M | 77.27M | 162.73M | 164.90M | 168.27M | 171.93M |
| Total Liabilities | - | 589.22M | 901.73M | 1.12B | 1.25B | 1.43B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | 6.45M | 7.77M | 6.43M | 6.23M | 9.22M |
| Investing Cash Flow | -68.22M | -389.34M | -157.29M | -95.29M | -259.90M |
| Financing Cash Flow | 71.33M | 390.64M | 207.84M | 127.64M | 179.99M |
| Capital Expenditure | -104.00K | -216.00K | -335.00K | -60.00K | -214.00K |
| Free Cash Flow | 6.34M | 7.55M | 6.10M | 6.17M | 9.01M |
| Share Buybacks | - | - | 2.23M | 2.72M | 4.61M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | - | - | 691.7% | 1,299.7% |
| ROE % | 5.2% | 1.7% | 2.7% | 2.4% | 4.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 8.63% | 754.43K | $15.93M |
| 2 | Blackrock Inc. | 4.79% | 418.39K | $8.84M |
| 3 | Vanguard Capital Management LLC | 3.87% | 337.94K | $7.14M |
| 4 | Geode Capital Management, LLC | 2.01% | 175.66K | $3.71M |
| 5 | Sachetta, LLC | 1.36% | 118.85K | $2.51M |
| 6 | Renaissance Technologies, LLC | 0.96% | 83.80K | $1.77M |
| 7 | State Street Corporation | 0.89% | 77.79K | $1.64M |
| 8 | Oppenheimer & Close, LLC | 0.70% | 61.01K | $1.29M |
| 9 | Northern Trust Corporation | 0.65% | 57.21K | $1.21M |
| 10 | Maltese Capital Management, LLC | 0.63% | 55.20K | $1.17M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ECBK
ECBK Reports $3.4 Million Third-Quarter Net Income - Quiver Quantitative
<a href="https://news.google.com/rss/articles/CBMijgFBVV95cUxPa1VUVzM4QlRfaG1zbG0xZTZVdk56cURiTzc1anl3SnpyeWUxbFlpYmMyZ3hVODhocG1lbElRcWE3U2RtRUE2SzU4OV9fckhacnprQW5BNG14NW1lZXNZSWxDNjlqNlozeTNlSmp5SlNpR3Z1Zmp6cV9NbXhvYTBZVHFGR2JpbTlfWUt3LX…
Loans grow $55.5M as ECB Bancorp (ECBK) posts higher Q3 earnings. - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbGktT1RjdmxhMHI2LTdCb2p3bnROaU5kd3Z4QlQzVUxCYjRDOUlCbnRSRDBNcXJSbVVHZy13b1g3Q0xyWXJ0SDRDRG9uY1NhTlJWTUhfOEN5OU5LVE1sNjI4Vk4za3pPcTMxT1hOeFVYOWkwNWpzVTIyWGNidEpvemtMTnhLTVZGNWhzWX…
(ECBK) Risk Channels and Responsive Allocation - Stock Traders Daily
<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxNcjFSeWxhT2hsRGo3NEdzUTdRRmowclgyb3lPcG8zTTFaTVgtdEVQb1NoeEJZVXVRUmVqXzMtQVhNNnFqR0lvSlhJa2tjNXJXamdlX21RdmZuS2FzOVVlTDhUdHhnWDhFT19SU2pKRXRuSVRzOFFwZmh0czBRYTF2Znp6U0lrZ0RNaEV1TV…
ECB Bancorp appoints Matthew Cushing to board - The Globe and Mail
<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxQS0dwal90S0JSUzYwZGdwNW1PNncwejdXYWx6SjhhY1M5ay0wZWlqbjlZYk5JOUh4ajUwdDNmU2hUeUpBd0FhSkhsaE93RkttWjJZWGtzZFdnVkwxRDBaT2RTWE1BUjFBY2VRcS1la2lFOGo2Q2ZzMzU2RzNfR3dfWmg3dkhKNlJiOVVLbk…
ECB Bancorp (ECBK) Ticks Up 0.58% to $20.82, Holding Mid-Range Between Support and Resistance - Earnings Sentiment - siam.in
<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxPWmhCSmN3anRoZEFuN0hLSjlMQTBNaXQ1NEgzUElmTjh5RFRhU25iOG1NUHQ0OGZCelBfTlRQMGZRNjZNWUtLM0ZLckFLckFpYVZlWjJBNzVRZ0U5ZXoxMTMwRS1fV0hja0dmRGFXVlB5RUtBbXNvVDRCMWdXdHVvTmFJR09rdEdDS0NHVT…
symbol__ Stock Quote Price and Forecast - CNN
<a href="https://news.google.com/rss/articles/CBMiUEFVX3lxTE9VcjU2WVVFLWNzQVBYQUZLVl9VNXAzYktPZGk3dW50TkVqcTl5dm9BeDh5dzZzX2VQZHpKOWJFc09mWVI0Q0pmd2ZhUWFmN3lw?oc=5" target="_blank">symbol__ Stock Quote Price and Forecast</a> <fon…
ECBK — Frequently Asked Questions
What is the current share price of ECB Bancorp, Inc. (ECBK)?
As of 2026-10-23 16:27 PDT, ECB Bancorp, Inc. (ECBK) trades at $21.66 on NasdaqCM. Its 52-week range is $14.83 to $21.66.
What is the market capitalisation of ECBK?
ECB Bancorp, Inc. (ECBK) has a market capitalisation of $189.26M on NasdaqCM.
What is the P/E ratio of ECBK?
ECBK trades at a trailing price-to-earnings (P/E) ratio of 15.70. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.03.
What is the return on equity (ROE) of ECBK?
ECBK has a return on equity (ROE) of 6.56%.
Is ECBK a good stock to buy?
This page provides a data-driven analysis of ECB Bancorp, Inc. (ECBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.