ECB Bancorp, Inc. ECBK

20.70 0.00 0.00% as of 25 Sep
Market cap
$180.9M
P/E
14.6×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.10
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — 1 — 1 — 1 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.89%

Capital & Financial Ratios

Market Cap 180.87
Revenue 86.54
Net Income 11.42
Free Cash Flow 22.40
Net Debt 146.79
Current Ratio 1.29
Debt/Equity 1.58
P/E ratio 14.58
P/S ratio 1.91
P/B ratio 0.92
Past 5Y EPS Growth 1.15%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 119 158 95 138
Receivables — — — —
Inventory — — — —
Other — — — —
1,163 1,298 1,472 1,537
2023 2024 2025 Q'26
Payables 868 999 1,132 1,193
ST’ Debt — — — —
Other — — — —
868 999 1,132 1,193
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 35.93% 37.54%
Cash Flow — 12.55% 5.87%
Earnings — 9.84% 41.90%
Book Value — 18.69% 1.85%

Revenue

Mar Jun Sep Dec Year
’26 22 22 — — —
’25 18 19 21 21 80
’24 16 17 17 18 68
’23 12 14 14 15 56
’22 6 7 8 10 31
’21 6 6 6 6 24
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 3 12 — — —
’25 (1) 2 4 4 9
’24 0 1 1 4 6
’23 1 2 0 3 6
’22 1 1 3 3 8
’21 2 2 1 2 6
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 3 12 — — —
’25 (1) 2 4 4 9
’24 0 1 1 4 6
’23 1 2 0 3 6
’22 1 1 3 3 8
’21 2 2 1 2 6
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.38 0.39 — — —
’25 0.16 0.17 0.29 0.31 0.94
’24 0.07 0.09 0.14 0.17 0.48
’23 0.11 0.17 0.16 0.09 0.52
’22 — — (0.12) 0.12 0.32
’21 — — — — 0.38
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — — 13.82 9.82 11.39 12.56

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — — 16.91 16.49 15.75 17.75
High Price
— — — — — — 66 68 64 64
Employees
— — — — 0 0 0 1 1 1
Revenue/Emp
— — — — 17 24 31 56 68 80
Revenue
— — — — 0.00% 84.40% 81.95% 46.29% 38.40% 41.81%
Gross Margin
— — — — 7 5 3 6 5 10
EBT
— — — — 38.13% 23.19% 11.44% 10.72% 7.87% 13.05%
EBT Margin
— — — — 5 4 3 4 4 8
Net Income
— — — — — 1 0 0 1 0
Depreciation
— — — — 1.61 2.22 3.61 6.59 8.27 9.82
Revenue/Sh
— — — — 0.46 0.38 0.32 0.53 0.48 0.96
Earnings/Sh
— — — — 0.48 0.61 0.92 0.76 0.75 1.14
Cash Flow/Sh
— — — — 0.00 (0.01) (0.03) (0.04) (0.01) (0.03)
Capex/Sh
— — — — 0.48 0.60 0.89 0.72 0.75 1.11
Free CF/Sh
— — — — 6.86 7.26 19.24 19.48 20.38 21.23
Book Value/Sh
— — — — 11 11 8 8 8 8
Shares
— — — — 46.71 46.71 46.71 23.79 30.29 18.11
PE Ratio
— — — — 0.00 0.00 4.48 1.91 1.79 1.77
PS Ratio
— — — — 0.00 0.00 0.84 0.65 0.73 0.82
PB Ratio
— — — — (1.01) (1.01) 8.14 3.97 2.91 4.16
EV/Sales
— — — — (6.33) (6.33) 32.91 36.35 32.23 36.73
EV/FCF
— — — — 5 6 8 6 6 9
Op' Cash Flow
— — — — 0 0 0 0 0 0
Capex
— — — — 5 6 8 6 6 9
FCF
— — — — — 1 233 294 300 340
Working Cap'
— — — — 18 9 174 234 234 285
Total Debt
— — — — 18 (44) 112 115 76 190
Net Debt
— — — — 73 77 163 165 168 172
Sh' Equity
— — — — 0.00% 0.64% 0.31% 0.38% 0.30% 0.51%
ROA
— — — — 0.00% 10.27% 0.80% 1.34% 1.37% 1.79%
ROIC
— — — — 0.00% 5.38% 2.27% 2.72% 2.40% 4.57%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

ECB Bancorp, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

ECB Bancorp, Inc. (ECBK) key facts

  • ECB Bancorp, Inc. (ECBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • ECB Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.5 million, up 16.5% from fiscal 2024.
  • Net income was $7.8 million, or $0.96 per share (basic), a net margin of 9.78%.
  • As of September 25, 2026, ECBK traded at $20.70, a market capitalization of $180.9 million.
  • At that price the stock trades at 14.6× trailing-twelve-month earnings and 1.9× sales.
  • Return on equity was 4.57% and debt-to-equity 1.58.

Source: company filings (standardised) and stockrow calculations.

ECB Bancorp, Inc. (ECBK) Latest News

News by impact score

Fine-tune

13 May

3

ECB Bancorp (NASDAQ:ECBK) has caught the eye of investors due to strong financial metrics, attractive valuation, and promising growth prospects. ECB Bancorp's appealing fundamentals and undervaluation signal moderately noticeable investor interest with potential influence on market sentiment and performance.

29 Jan

3

Insider trading activity at ECB Bancorp, Inc. (ECBK) has shown positive signals, with multiple insiders purchasing shares of the company. This trend may indicate confidence in the company's future performance and prospects, potentially influencing market sentiment positively. Insider purchases can signal confidence in the company's future, which may moderately influence market sentiment and performance.

4 Dec

4

ECB Bancorp, Inc. (ECBK) is gaining attention due to its recent financial performance and strategic initiatives that may enhance its market position. Investors are particularly interested in the company's growth prospects and potential for increased profitability, driven by favorable market conditions and effective management strategies. Analysts suggest that ECBK's focus on expanding its services and customer base could lead to significant long-term benefits. Strategic initiatives and financial performance are likely to significantly impact the company's future trajectory and investor sentiment.

24 Oct

4

ECB Bancorp, Inc. (ECBK) reported a significant increase in its net profit margin, reaching 22.2%. This improvement raises questions about the company's valuation, suggesting a potential reassessment by investors. The strong financial performance may alleviate previous concerns regarding the stock's market position. The substantial increase in net profit margin is likely to significantly influence investor sentiment and the company's future performance.

22 Aug

3

Insiders at ECB Bancorp, Inc. have made significant investments in the company, indicating positive sentiment and confidence in its future prospects. This activity is often viewed as a bullish signal by investors, suggesting that those with intimate knowledge of the company believe in its growth potential. Such insider buying can enhance market perception and may lead to increased interest from other investors. Insider investments typically signal confidence in the company's future, which may moderately influence market sentiment and performance.

26 Jul

3

ECB Bancorp, Inc. (NASDAQ: ECBK) reported its Second Quarter 2025 earnings, revealing a revenue of US$6.90 million, a 15% increase from the previous year, and a net income of US$1.44 million, up 82%. The profit margin improved to 21% from 13% in 2Q 2024, with earnings per share rising to US$0.18 from US$0.096. The company's share price remained stable over the past week. The significant increase in revenue and net income indicates a moderately noticeable influence on financial performance.

11 Jun

4

ECB Bancorp, Inc. (ECBK) has attracted investor attention due to its recent financial performance and strategic initiatives aimed at growth. The company has shown resilience in a challenging economic environment, with positive earnings reports and plans for expansion. Investors are particularly interested in its innovative approaches and potential for increased market share, which could enhance its competitive positioning in the banking sector. Significant strategic initiatives and positive financial performance are likely to influence investor sentiment and the company's future trajectory.

29 Apr

3

ECB Bancorp, Inc. reported earnings for the first quarter of 2025, with earnings per share (EPS) of US$0.16, a significant increase from US$0.075 in the first quarter of 2024. This improvement reflects the company's growth and operational performance over the year. The increase in EPS indicates a positive trend in financial performance, which may influence investor sentiment and market positioning.

2 Apr

3

ECB Bancorp, Inc. (NASDAQ: ECBK) has 59% of its shares owned by retail investors, indicating significant influence from the public. Institutional investors hold 33%, with the largest being AllianceBernstein L.P. at 9.7%. Insiders own 1.2% of shares, and the top 25 shareholders control less than half of the company, suggesting no dominant shareholder. The general public's substantial stake allows them to impact key decisions. There is currently no analyst coverage of the stock, and insiders have been buying shares recently, indicating alignment with shareholder interests. However, there is one identified warning sign regarding investment risk. The significant retail ownership and insider buying suggest potential influence on company decisions, but overall impact on performance is expected to be limited.

20 Feb

4

Insiders at ECB Bancorp, Inc. have made significant investments in the company, signaling positive sentiment and confidence in its future performance. This activity is often interpreted as a bullish indicator, suggesting that those with intimate knowledge of the company's operations believe in its growth potential. Such insider buying can influence market perception and investor confidence, potentially leading to increased interest in the stock. Insider investments typically indicate strong confidence in the company's future, which can significantly impact market sentiment and performance.

15 Aug

3

ECB Bancorp's second quarter 2024 earnings show a decrease in revenue, net income, profit margin, and EPS compared to the same period in 2023. The financial results show a moderately noticeable influence on ECB Bancorp's future performance.

23 Jul

4

ECB Bancorp (NASDAQ:ECBK) has shown impressive earnings growth, with EPS increasing by 86% in the last year. The article highlights significant EPS growth and stable EBIT margins, indicating a potential impact on the company's future performance.

28 Apr

3

ECB Bancorp First Quarter 2024 Earnings: Revenue up 6.1%, Net income down 31%, EPS down to US$0.075. Moderately noticeable influence expected on financial performance.

16 Nov

3

Multiple insiders at ECB Bancorp, Inc. (ECBK) bought shares, showing optimism. Insider transactions may moderately influence investor sentiment and company performance.

5 Aug

3

ECB Bancorp (NASDAQ:ECBK) shareholders have endured an 11% loss from investing in the stock a year ago. The article highlights a significant drop in earnings per share and insider buying, which could moderately influence the company's future performance.

stockrow.com/ECBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com