Saturday 17 October 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. In the quarter to June 2026, revenue grew 15.4%, EPS grew 127.8%, free cash flow grew 538.4% and total debt rose 7.62%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.
19.80
0.05
−0.25%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | 13.82 | 9.82 | 11.39 | 12.56 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | 16.91 | 16.49 | 15.75 | 17.75 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | 66 | 68 | 64 | 64 | ||||
| Revenue/emp, $m | — | — | — | — | 0.00 | 0.00 | 0.46 | 0.82 | 1.07 | 1.24 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | 17 | 24 | 31 | 56 | 68 | 80 | ||||
| Gross margin, % | — | — | — | — | 0.00 | 84.40 | 81.95 | 46.29 | 38.40 | 41.81 | |||||
| EBT | — | — | — | — | 7 | 5 | 3 | 6 | 5 | 10 | |||||
| EBT margin, % | — | — | — | — | 38.13 | 23.19 | 11.44 | 10.72 | 7.87 | 13.05 | |||||
| Net income | — | — | — | — | 5 | 4 | 3 | 4 | 4 | 8 | |||||
| Depreciation | — | — | — | — | — | 1 | 0 | 0 | 1 | 0 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | 1.61 | 2.22 | 3.61 | 6.59 | 8.27 | 9.82 | ||||
| Earnings | — | — | — | — | 0.46 | 0.38 | 0.32 | 0.53 | 0.48 | 0.96 | |||||
| Cash flow | — | — | — | — | 0.48 | 0.61 | 0.92 | 0.76 | 0.75 | 1.14 | |||||
| Capex | — | — | — | — | 0.00 | (0.01) | (0.03) | (0.04) | (0.01) | (0.03) | |||||
| Free cash flow | — | — | — | — | 0.48 | 0.60 | 0.89 | 0.72 | 0.75 | 1.11 | |||||
| Book value | — | — | — | — | 6.86 | 7.26 | 19.24 | 19.48 | 20.38 | 21.23 | |||||
| Shares, m | — | — | — | — | 11 | 11 | 8 | 8 | 8 | 8 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | 46.71 | 46.71 | 46.71 | 23.79 | 30.29 | 18.11 | ||||
| P/S | — | — | — | — | 0.00 | 0.00 | 4.48 | 1.91 | 1.79 | 1.77 | |||||
| P/B | — | — | — | — | 0.00 | 0.00 | 0.84 | 0.65 | 0.73 | 0.82 | |||||
| EV/Sales | — | — | — | — | (1.01) | (1.01) | 8.14 | 3.97 | 2.91 | 4.16 | |||||
| EV/FCF | — | — | — | — | (6.33) | (6.33) | 32.91 | 36.35 | 32.23 | 36.73 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | 5 | 6 | 8 | 6 | 6 | 9 | ||||
| Capex | — | — | — | — | 0 | 0 | 0 | 0 | 0 | 0 | |||||
| Free cash flow | — | — | — | — | 5 | 6 | 8 | 6 | 6 | 9 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | 1 | 233 | 294 | 300 | 340 | ||||
| Total debt | — | — | — | — | 18 | 9 | 174 | 234 | 234 | 285 | |||||
| Net debt | — | — | — | — | 18 | (44) | 112 | 115 | 76 | 190 | |||||
| Shareholders’ equity | — | — | — | — | 73 | 77 | 163 | 165 | 168 | 172 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | 0.00 | 0.64 | 0.31 | 0.38 | 0.30 | 0.51 | ||||
| ROIC | — | — | — | — | 0.00 | 10.27 | 0.80 | 1.34 | 1.37 | 1.79 | |||||
| ROE | — | — | — | — | 0.00 | 5.38 | 2.27 | 2.72 | 2.40 | 4.57 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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 |
|---|---|---|---|---|---|---|---|---|---|
| LARK Landmark Bancorp Inc. | $192.5M | 9.5× | 5.6× | +2.62% (above 0%: growing) | +21.58% (above 0%: growing) | +828.81% (above 0%: growing) | 78.76% | 0.00% | Compare |
| BVFL BV Financial, Inc. | $184.2M | 14.1× | — | −2.37% (below 0%: shrinking) | +48.28% (above 0%: growing) | +1.43% (above 0%: growing) | 78.95% | 0.00% | Compare |
| SBFG SB Financial Group, Inc. | $183.5M | 11.0× | 8.8× | +5.49% (above 0%: growing) | +20.00% (above 0%: growing) | +255.74% (above 0%: growing) | 72.32% | 0.00% | Compare |
| FNWD Finward Bancorp | $181.0M | 18.3× | 12.2× | +0.43% (above 0%: growing) | −2.00% (below 0%: shrinking) | +0.22% (above 0%: growing) | 69.03% | 0.00% | Compare |
| ECBK ECB Bancorp, Inc. | $173.4M | 13.9× | — | +15.35% (above 0%: growing) | +127.78% (above 0%: growing) | +538.43% (above 0%: growing) | 46.07% | 0.00% | |
| MNSB MainStreet Bank | $172.8M | 11.8× | 10.9× | −6.70% (below 0%: shrinking) | +9.43% (above 0%: growing) | +286.64% (above 0%: growing) | 57.99% | 0.00% | Compare |
| BAFN BayFirst Financial Corp. | $170.8M | — (loss-making) | — | −70.88% (below 0%: shrinking) | n/m | −99.45% (below 0%: shrinking) | 27.34% | 0.00% | Compare |
| HNVR Hanover Bancorp, Inc. | $170.6M | 19.0× | 11.2× | −2.10% (below 0%: shrinking) | +66.67% (above 0%: growing) | +972.77% (above 0%: growing) | 56.13% | 0.00% | Compare |
| EBMT Eagle Bancorp Montana, Inc. | $164.7M | 10.2× | 11.3× | −1.03% (below 0%: shrinking) | +11.90% (above 0%: growing) | −301.01% (below 0%: shrinking) | 76.37% | 0.00% | Compare |
| Median of peers | $176.9M | 11.8× | 11.1× | −1.56% | +20.00% | +128.59% | 70.68% | 0.00% |
ECB Bancorp, Inc. (ECBK) key facts
- Strength: ECB Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.5 million, up 16.5% from fiscal 2024.
- Strength: Net income was $7.8 million, or $0.96 per share (basic), a net margin of 9.78%.
- ECB Bancorp, Inc. (ECBK) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, ECBK traded at $19.80, a market capitalization of $173.4 million.
- At that price the stock trades at 13.9× trailing-twelve-month earnings and 1.8× sales; its P/E is higher than 0% of its own readings over the past ten years.
- Return on equity was 4.57% and debt-to-equity 1.58.
- Its Piotroski F-score is 8 out of 9 for fiscal 2025.