ECBK
ECB Bancorp, Inc.
Price Chart
Latest Quote
$20.31
+1.22 (+6.39%)
Current Price
| Previous Close | $19.09 |
| Open | $19.41 |
| Day High | $20.50 |
| Day Low | $19.27 |
| Volume | 46,835 |
Stock Information
| Shares Outstanding | 8.75M |
| Total Debt | $261.65M |
| Cash Equivalents | $123.05M |
| Revenue | $34.79M |
| Net Income | $9.60M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $177.79M |
| P/E Ratio | 17.51 |
| EPS (TTM) | $1.16 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $316.39M |
| Sales | $34.79M |
| Income | $9.60M |
| Book/sh | $20.05 |
| Cash/sh | $14.06 |
| Employees | 64 |
Financial Ratios
| EPS Growth TTM | 140.70% |
Returns & Margins
| ROA | 0.62% |
| ROE | 5.57% |
| Operating Margin | 45.10% |
| Profit Margin | 27.59% |
Ownership
| Insider Ownership | 17.11% |
| Institutional Ownership | 30.64% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 5.11 |
| P/B | 1.01 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $18.70 |
| SMA50 | $18.42 |
| SMA200 | $17.25 |
| RSI | 76.62 |
| ATR | 0.5236 |
| Shares Float | 7.98M |
| Short Float | 1.94% |
| Short Ratio | 15.94 |
| Volatility | 0.49 |
| Rel Volume | 3.92 |
Performance History
| Week | +3.10% |
| Month | +12.65% |
| Quarter | +23.77% |
| 6 Months | +16.79% |
| YTD | +17.26% |
| Year | +34.77% |
| 3 Years | +55.39% |
| 10 Years | +44.14% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $20.31 | 46,800 |
| 2026-06-17 | $19.09 | 10,800 |
| 2026-06-16 | $19.18 | 7,800 |
| 2026-06-15 | $19.29 | 4,300 |
| 2026-06-12 | $19.32 | 8,000 |
| 2026-06-11 | $19.70 | 7,200 |
| 2026-06-10 | $19.29 | 31,500 |
| 2026-06-09 | $18.97 | 10,500 |
| 2026-06-08 | $18.49 | 8,900 |
| 2026-06-05 | $18.15 | 6,300 |
| 2026-06-04 | $18.07 | 8,300 |
| 2026-06-03 | $17.97 | 16,400 |
| 2026-06-02 | $18.10 | 6,800 |
| 2026-06-01 | $18.12 | 10,500 |
| 2026-05-29 | $18.26 | 10,500 |
| 2026-05-28 | $18.30 | 7,200 |
| 2026-05-27 | $18.10 | 11,900 |
| 2026-05-26 | $18.46 | 5,000 |
| 2026-05-22 | $18.33 | 7,500 |
| 2026-05-21 | $18.47 | 12,400 |
| 2026-05-20 | $18.09 | 8,100 |
| 2026-05-19 | $18.03 | 8,900 |
About ECB Bancorp, Inc.
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.
đ° Latest News
Here's Why ECB Bancorp (NASDAQ:ECBK) Has Caught The Eye Of Investors
Simply Wall St. âĸ 2026-05-13T10:23:10Z
Favourable Signals For ECB Bancorp: Numerous Insiders Acquired Stock
Simply Wall St. âĸ 2026-01-29T14:34:31Z
Here's Why We Think ECB Bancorp (NASDAQ:ECBK) Might Deserve Your Attention Today
Simply Wall St. âĸ 2025-12-04T10:03:06Z
ECB Bancorp (ECBK) Net Profit Margin Jumps to 22.2%, Challenging Valuation Concerns
Simply Wall St. âĸ 2025-10-24T12:14:29Z
ECB Bancorp, Inc.'s (NASDAQ:ECBK) top owners are individual investors with 52% stake, while 39% is held by institutions
Simply Wall St. âĸ 2025-09-18T14:38:51Z
Several Insiders Invested In ECB Bancorp Flagging Positive News
Simply Wall St. âĸ 2025-08-22T14:25:34Z
ECB Bancorp Second Quarter 2025 Earnings: EPS: US$0.18 (vs US$0.096 in 2Q 2024)
Simply Wall St. âĸ 2025-07-26T12:52:29Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $33,243,000 | $26,214,000 | $25,842,000 | $25,043,000 |
| Operating Revenue | $33,243,000 | $26,214,000 | $25,842,000 | $25,043,000 |
| Expenses | ||||
| Interest Expense | $46,263,000 | $42,057,000 | $29,986,000 | $5,515,000 |
| Selling And Marketing Expense | $639,000 | $551,000 | $794,000 | $752,000 |
| General And Administrative Expense | $14,868,000 | $14,648,000 | $13,053,000 | $10,582,000 |
| Professional Expense And Contract Services Expense | $1,368,000 | $1,258,000 | $1,355,000 | $846,000 |
| Other Non Interest Expense | $3,353,000 | $3,179,000 | $2,911,000 | $5,674,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Interest Income | $31,917,000 | $24,988,000 | $24,790,000 | $23,642,000 |
| Interest Income | $78,180,000 | $67,045,000 | $54,776,000 | $29,157,000 |
| Normalized Income | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Income From Continuing And Discontinued Operation | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Income Common Stockholders | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Income | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Income Including Noncontrolling Interests | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Net Income Continuous Operations | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Pretax Income | $10,379,000 | $5,371,000 | $5,985,000 | $3,496,000 |
| Special Income Charges | - | - | - | $-3,256,000 |
| Per Share | ||||
| Diluted EPS | $0.94 | $0.48 | $0.52 | $0.32 |
| Basic EPS | $0.96 | $0.48 | $0.53 | $0.32 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $297,000 | $302,000 | $279,000 | $302,000 |
| Diluted Average Shares | $8,311,966 | $8,345,737 | $8,523,705 | $8,456,218 |
| Basic Average Shares | $8,100,328 | $8,257,014 | $8,466,021 | $8,456,218 |
| Diluted NI Availto Com Stockholders | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Tax Provision | $2,607,000 | $1,380,000 | $1,529,000 | $776,000 |
| Selling General And Administration | $15,507,000 | $15,199,000 | $13,847,000 | $11,334,000 |
| Insurance And Claims | $883,000 | $752,000 | $793,000 | $225,000 |
| Salaries And Wages | $13,985,000 | $13,896,000 | $12,260,000 | $10,357,000 |
| Occupancy And Equipment | $1,102,000 | $1,033,000 | $941,000 | $753,000 |
| Total Unusual Items | - | - | - | $-3,256,000 |
| Total Unusual Items Excluding Goodwill | - | - | - | $-3,256,000 |
| Other Special Charges | - | - | - | $3,256,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-19
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $171,934,000 | $168,268,000 | $164,901,000 | $162,730,000 |
| Total Assets | $1,605,653,000 | $1,418,153,000 | $1,280,335,000 | $1,064,462,000 |
| Receivables | $5,214,000 | $4,015,000 | $3,766,000 | $2,632,000 |
| Accounts Receivable | $5,214,000 | $4,015,000 | $3,766,000 | $2,632,000 |
| Cash And Cash Equivalents | $94,920,000 | $157,717,000 | $119,036,000 | $62,350,000 |
| Cash Equivalents | $82,801,000 | $151,789,000 | $115,250,000 | $58,927,000 |
| Cash Financial | $4,121,000 | $5,828,000 | $3,786,000 | $3,123,000 |
| Cash Cash Equivalents And Federal Funds Sold | $94,920,000 | $157,717,000 | $119,036,000 | $62,350,000 |
| Debt | ||||
| Net Debt | $189,895,000 | $76,283,000 | $114,964,000 | $111,650,000 |
| Total Debt | $284,815,000 | $234,000,000 | $234,000,000 | $174,000,000 |
| Long Term Debt And Capital Lease Obligation | $284,815,000 | $234,000,000 | $234,000,000 | $174,000,000 |
| Long Term Debt | $284,815,000 | $234,000,000 | $234,000,000 | $174,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,433,719,000 | $1,249,885,000 | $1,115,434,000 | $901,732,000 |
| Equity | ||||
| Common Stock Equity | $171,934,000 | $168,268,000 | $164,901,000 | $162,730,000 |
| Total Equity Gross Minority Interest | $171,934,000 | $168,268,000 | $164,901,000 | $162,730,000 |
| Stockholders Equity | $171,934,000 | $168,268,000 | $164,901,000 | $162,730,000 |
| Other Equity Interest | $-5,872,000 | $-6,239,000 | $-6,606,000 | $-6,973,000 |
| Gains Losses Not Affecting Retained Earnings | $-896,000 | $382,000 | $129,000 | $249,000 |
| Other Equity Adjustments | $-896,000 | $382,000 | $129,000 | $249,000 |
| Retained Earnings | $95,617,000 | $87,845,000 | $83,854,000 | $80,076,000 |
| Other | ||||
| Ordinary Shares Number | $8,792,719 | $9,095,833 | $9,291,810 | $9,175,247 |
| Share Issued | $8,792,719 | $9,095,833 | $9,291,810 | $9,175,247 |
| Tangible Book Value | $171,934,000 | $168,268,000 | $164,901,000 | $162,730,000 |
| Invested Capital | $456,749,000 | $402,268,000 | $398,901,000 | $336,730,000 |
| Total Capitalization | $456,749,000 | $402,268,000 | $398,901,000 | $336,730,000 |
| Additional Paid In Capital | $82,997,000 | $86,189,000 | $87,431,000 | $89,286,000 |
| Capital Stock | $88,000 | $91,000 | $93,000 | $92,000 |
| Common Stock | $88,000 | $91,000 | $93,000 | $92,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $90,081,000 | $79,779,000 | $81,982,000 | $82,592,000 |
| Held To Maturity Securities | $48,243,000 | $73,215,000 | $76,979,000 | $77,591,000 |
| Available For Sale Securities | $32,955,000 | $4,561,000 | - | - |
| Net PPE | $3,429,000 | $3,512,000 | $3,754,000 | $3,698,000 |
| Accumulated Depreciation | $-5,053,000 | $-4,883,000 | $-4,605,000 | $-4,450,000 |
| Gross PPE | $8,482,000 | $8,395,000 | $8,359,000 | $8,148,000 |
| Leases | $351,000 | $351,000 | $345,000 | $301,000 |
| Machinery Furniture Equipment | $1,822,000 | $1,754,000 | $1,724,000 | $1,554,000 |
| Buildings And Improvements | $5,715,000 | $5,696,000 | $5,696,000 | $5,699,000 |
| Land And Improvements | $594,000 | $594,000 | $594,000 | $594,000 |
| Other Short Term Investments | $8,883,000 | $6,564,000 | $5,003,000 | $5,001,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-19
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $9,006,000 | $6,168,000 | $6,099,000 | $7,554,000 |
| Operating Activities | ||||
| Operating Cash Flow | $9,220,000 | $6,228,000 | $6,434,000 | $7,770,000 |
| Cash Flow From Continuing Operating Activities | $9,220,000 | $6,228,000 | $6,434,000 | $7,770,000 |
| Operating Gains Losses | $-132,000 | $-119,000 | $-21,000 | $-2,085,000 |
| Investing Activities | ||||
| Capital Expenditure | $-214,000 | $-60,000 | $-335,000 | $-216,000 |
| Investing Cash Flow | $-259,901,000 | $-95,289,000 | $-157,288,000 | $-389,336,000 |
| Cash Flow From Continuing Investing Activities | $-259,901,000 | $-95,289,000 | $-157,288,000 | $-389,336,000 |
| Net Other Investing Changes | $-1,852,000 | $-108,000 | $-2,350,000 | $-5,310,000 |
| Capital Expenditure Reported | $-214,000 | $-60,000 | $-335,000 | $-216,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,610,000 | $-2,722,000 | $-2,225,000 | $0 |
| Financing Cash Flow | $179,986,000 | $127,642,000 | $207,840,000 | $390,641,000 |
| Cash Flow From Continuing Financing Activities | $179,986,000 | $127,642,000 | $207,840,000 | $390,641,000 |
| Net Common Stock Issuance | $-4,610,000 | $-2,722,000 | $-2,225,000 | $79,246,000 |
| Issuance Of Capital Stock | - | - | $0 | $79,246,000 |
| Common Stock Issuance | - | - | $0 | $79,246,000 |
| Other | ||||
| Repayment Of Debt | $-25,000,000 | $-70,000,000 | $-80,000,000 | $-20,000,000 |
| Issuance Of Debt | $30,815,000 | $55,000,000 | $195,000,000 | $110,000,000 |
| Interest Paid Supplemental Data | $46,565,000 | $42,041,000 | $28,531,000 | $4,828,000 |
| Income Tax Paid Supplemental Data | $2,755,000 | $1,566,000 | $2,259,000 | $1,982,000 |
| End Cash Position | $86,922,000 | $157,617,000 | $119,036,000 | $62,050,000 |
| Beginning Cash Position | $157,617,000 | $119,036,000 | $62,050,000 | $52,975,000 |
| Changes In Cash | $-70,695,000 | $38,581,000 | $56,986,000 | $9,075,000 |
| Proceeds From Stock Option Exercised | $-30,000 | $45,000 | $0 | - |
| Common Stock Payments | $-4,610,000 | $-2,722,000 | $-2,225,000 | $0 |
| Net Issuance Payments Of Debt | $50,815,000 | $0 | $60,000,000 | $165,000,000 |
| Net Short Term Debt Issuance | $45,000,000 | $15,000,000 | $-55,000,000 | $75,000,000 |
| Net Long Term Debt Issuance | $5,815,000 | $-15,000,000 | $115,000,000 | $90,000,000 |
| Long Term Debt Payments | $-25,000,000 | $-70,000,000 | $-80,000,000 | $-20,000,000 |
| Long Term Debt Issuance | $30,815,000 | $55,000,000 | $195,000,000 | $110,000,000 |
| Net Investment Purchase And Sale | $-12,822,000 | $2,211,000 | $572,000 | $-12,202,000 |
| Sale Of Investment | $49,944,000 | $17,713,000 | $8,864,000 | $10,426,000 |
| Purchase Of Investment | $-62,766,000 | $-15,502,000 | $-8,292,000 | $-22,628,000 |
| Change In Working Capital | $-1,409,000 | $274,000 | $310,000 | $1,099,000 |
| Change In Other Working Capital | $-475,000 | $-473,000 | $-405,000 | $-398,000 |
| Change In Other Current Liabilities | $302,000 | $4,124,000 | $1,668,000 | $2,905,000 |
| Change In Other Current Assets | $-627,000 | $-3,388,000 | $-1,242,000 | $-769,000 |
| Change In Payables And Accrued Expense | $302,000 | $-16,000 | $1,455,000 | $687,000 |
| Change In Payable | $302,000 | $-16,000 | $1,455,000 | $687,000 |
| Change In Account Payable | $302,000 | $-16,000 | $1,455,000 | $687,000 |
| Change In Receivables | $-1,199,000 | $-249,000 | $-1,134,000 | $-1,151,000 |
| Changes In Account Receivables | $-1,199,000 | $-249,000 | $-1,134,000 | $-1,151,000 |
| Other Non Cash Items | $-225,000 | $119,000 | $-51,000 | $3,555,000 |
| Stock Based Compensation | $1,812,000 | $1,800,000 | $738,000 | $559,000 |
| Amortization Of Securities | $-183,000 | $-63,000 | $31,000 | $182,000 |
| Deferred Tax | $-246,000 | $-250,000 | $-111,000 | $-1,502,000 |
| Deferred Income Tax | $-246,000 | $-250,000 | $-111,000 | $-1,502,000 |
| Depreciation Amortization Depletion | $297,000 | $302,000 | $279,000 | $302,000 |
| Depreciation And Amortization | $297,000 | $302,000 | $279,000 | $302,000 |
| Net Income From Continuing Operations | $7,772,000 | $3,991,000 | $4,456,000 | $2,720,000 |
| Short Term Debt Payments | - | - | $-55,000,000 | - |
| Pension And Employee Benefit Expense | - | - | $0 | $-2,001,000 |
| Short Term Debt Issuance | - | - | - | $75,000,000 |
Fetched: 2026-06-19