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Friday 6 November 2026 Export ECBK’s income statement to Excel — free account

ECB Bancorp, Inc.

ECBK Financial Banks Regional

ECB Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.5 million, up 16.5% from fiscal 2024.

Revenue
+15.4%
EPS
+127.8%
Free cash flow
+538.4%
Total debt
+7.62%

Quarter to June 2026, against a year earlier

21.00 0.55 −2.55%
Market cap
$188.3M
P/E
15.3×
Fwd P/E
—
Dividend yield
—
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — 1 — 1 — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 10.89%

Capital & Financial Ratios $m

Size
Market Cap 188.29
Revenue ttm 86.54
Net income ttm 11.42
Free cash flow ttm 22.40
Net debt Q 146.79
Valuation
P/E 15.34
Forward P/E —
Price / sales 2.01
Forward P/S Powerpack
Price / FCF 7.78
Price / book 0.97
Financial health
Current ratio Q 1.29
Debt / equity Q 1.58
Interest coverage Q —
Growth
Revenue growth Q +15.35% (above 0%: growing)
Operating income growth Q +133.21% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs +15.36% (at or above 15%: strong)
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 14.13%
10-year low 10-year high
P/S against its own 10 years 72.59%
10-year low 10-year high
P/B against its own 10 years 99.90%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

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

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%

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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — 17 24 31 56 68 80 87 +35.9% — — — —
Gross margin, % — — — — 0.00 84.40 81.95 46.29 38.40 41.81 44.84 +41.8 pt
EBT — — — — 7 5 3 6 5 10 15 +9.7%
EBT margin, % — — — — 38.13 23.19 11.44 10.72 7.87 13.05 17.88 (25.1) pt
Net income — — — — 5 4 3 4 4 8 11 +9.8%
Per share, $
Per share, $ Revenue — — — — 1.61 2.22 3.61 6.59 8.27 9.82 10.82 +43.5%
Earnings — — — — 0.46 0.38 0.32 0.53 0.48 0.96 1.42 +15.9%
Cash flow — — — — 0.48 0.61 0.92 0.76 0.75 1.14 2.84 +18.9%
Capex — — — — 0.00 (0.01) (0.03) (0.04) (0.01) (0.03) (0.05) n/m
Free cash flow — — — — 0.48 0.60 0.89 0.72 0.75 1.11 2.80 +18.3%
Book value — — — — 6.86 7.26 19.24 19.48 20.38 21.23 22.48 +25.3%
Shares, m — — — — 11 11 8 8 8 8 8 (5.3%)
Valuation, ×
Valuation, × P/E — — — — 46.71 46.71 46.71 23.79 30.29 18.11 15.34 35.4
P/S — — — — 0.00 0.00 4.48 1.91 1.79 1.77 2.01 1.7
P/B — — — — 0.00 0.00 0.84 0.65 0.73 0.82 0.97 0.5
EV/Sales — — — — (1.01) (1.01) 8.14 3.97 2.91 4.16 — 2.9
EV/FCF — — — — (6.33) (6.33) 32.91 36.35 32.23 36.73 — 20.9
Cash, $m
Cash, $m Operating cash flow — — — — 5 6 8 6 6 9 23 +12.6%
Capex — — — — 0 0 0 0 0 0 0 +14.2%
Free cash flow — — — — 5 6 8 6 6 9 22 +12.0%
Balance, $m
Balance, $m Working capital — — — — — 1 233 294 300 340 344 +316.1%
Net debt — — — — 18 (44) 112 115 76 190 147 +60.2%
Shareholders’ equity — — — — 73 77 163 165 168 172 180 +18.7%
Returns, %
Returns, % ROA — — — — 0.00 0.64 0.31 0.38 0.30 0.51 0.72 +0.5 pt
ROIC — — — — 0.00 10.27 0.80 1.34 1.37 1.79 2.96 +1.8 pt
ROE — — — — 0.00 5.38 2.27 2.72 2.40 4.57 6.56 +4.6 pt
People
People Employees — — — — — — 66 68 64 64 — (1.0%)
Revenue/emp, $m — — — — 0.00 0.00 0.46 0.82 1.07 1.24 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

ECB Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CBFV CB Financial Services, Inc. $207.6M 28.6× 11.7× +11.11% (above 0%: growing) +7.59% (above 0%: growing) +89.91% (above 0%: growing) 70.87% 0.00% Compare
FCAP First Capital, Inc. $207.3M 11.2× — (loss-making) +11.02% (above 0%: growing) +26.55% (above 0%: growing) +2.66% (above 0%: growing) 80.17% 0.00% Compare
RBKB Rhinebeck Bancorp, Inc. $203.3M 18.1× — +2.17% (above 0%: growing) −5.03% (below 0%: shrinking) +145.41% (above 0%: growing) 71.31% 0.00% Compare
FGBI First Guaranty Bancshares, Inc. $196.0M — (loss-making) 20.6× −5.84% (below 0%: shrinking) n/m +17.37% (above 0%: growing) 45.46% 0.00% Compare
MRBK Meridian Bank $195.2M 8.7× 11.8× −3.50% (below 0%: shrinking) −2.00% (below 0%: shrinking) +88.96% (above 0%: growing) 64.49% 0.00% Compare
LARK Landmark Bancorp Inc. $193.6M 9.6× 9.2× +2.62% (above 0%: growing) +21.58% (above 0%: growing) +828.81% (above 0%: growing) 78.76% 0.00% Compare
ECBK ECB Bancorp, Inc. $188.3M 15.3× — +15.35% (above 0%: growing) +127.78% (above 0%: growing) +538.43% (above 0%: growing) 46.07% 0.00%
FNWD Finward Bancorp $188.2M 19.0× 16.5× +0.43% (above 0%: growing) −2.00% (below 0%: shrinking) +0.22% (above 0%: growing) 69.03% 0.00% Compare
SBFG SB Financial Group, Inc. $179.2M 10.7× 11.9× +9.21% (above 0%: growing) 0.00% −28.66% (below 0%: shrinking) 71.79% 0.00% Compare
Median of peers $195.6M 11.2× 11.9× +2.40% 0.00% +53.17% 71.09% 0.00%

All 327 Banks Regional stocks →

ECB Bancorp, Inc. (ECBK) Latest News

13 May

Impact 3 · · Simply Wall St.

29 Jan

Impact 3 ·

4 Dec

Impact 4 · · Simply Wall St.

24 Oct

Impact 4 · · Simply Wall St.

22 Aug

Impact 3 ·

26 Jul

Impact 3 · · Simply Wall St.

11 Jun

Impact 4 ·

29 Apr

Impact 3 · · Simply Wall St.

2 Apr

Impact 3 · · Simply Wall St.

20 Feb

Impact 4 ·

15 Aug

Impact 3 · · Simply Wall St.

23 Jul

Impact 4 · · Simply Wall St.

28 Apr

Impact 3 · · Simply Wall St.

16 Nov

Impact 3 · · Simply Wall St.

5 Aug

Impact 3 · · Simply Wall St.
stockrow.com/ECBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com