ECB Bancorp, Inc. (ECBK)

NCM – Real Time Price. Currency in USD

18.15

-0.15 (-0.82%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 18.67$
Day's range: 18.49 - 18.67$
52-week range: 14.82 - 20.05$
Volume: 3 710
Average volume: 11 411
Beta: 0.47
EPS (TTM): 1.19
PE ratio (TTM): 16.13
Forward P/E: N/A
Market cap: 163 879 222
Shares outstanding: 8 777 677
Dividend yield: N/A
Next earnings date: N/A
Sector: Financials
Industry: Banks - Regional

About the company

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 rea... read more

CEO: Richard O'Neil
Country: United States
IPO Date
Employees: 64
Fiscal Year End: January - December
Website: https://www.everettbank.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: ECBK

Loading Chart...

Overall Score

3.4 / 1034%

Financial Strength

6.4

Profitability

4.6

Effectiveness

2.8

Growth

6.1

Forecast

Valuation

4.4

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $260.8M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.5) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.60	2.82	8.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.48	0.05	5.0
Debt to Assets	0.16	0.09	8.0
Interest coverage	N/A	N/A	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	31M	56M	68M	80M	84M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	3M	6M	5M	10M	13M
Net Income	3M	4M	4M	8M	10M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	41.95	0.44	10
Net margin %	30.73	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.49	1.46	2.0
ROE	4.32	14.94	4.0
ROIC	1.81	0.00	4.0
ROCE	N/A	0.00	1.0
Weighted average score			2.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	N/A	N/A	1.0
Next quarter	N/A	N/A	1.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			1.0

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.53	20.22	N/A	N/A	4.0
Y/Y	22.63	140.71	N/A	N/A	5.5
3y average	40.48	49.38	N/A	16.89	7.5
5y average	30.92	19.72	N/A	15.45	7.3
Weighted average score					6.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	16.09	11.16	4.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.25	3.37	3.6
P/B	0.93	1.53	8.0
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR30.92%

FCF 5 year CAGR4

Fair value79.66$

Stock price18.67$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$79.66

UndervaluedStock priceOvervalued

$18.67

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Richard O'Neil

Country

United States

IPO Date

Employees

Fiscal Year End

January - December

Website

https://www.everettbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.60

2.82

8.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.48

0.05

5.0

Debt to Assets

0.16

0.09

8.0

Interest coverage

N/A

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

31M

56M

68M

80M

84M

Gross Profit

N/A

Operating Income

10M

13M

Net Income

10M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

41.95

0.44

Net margin %

30.73

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.49

1.46

2.0

ROE

4.32

14.94

4.0

ROIC

1.81

0.00

4.0

ROCE

N/A

0.00

1.0

Weighted average score

2.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

N/A

1.0

Next quarter

N/A

1.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

1.0

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.53

20.22

N/A

4.0

Y/Y

22.63

140.71

N/A

5.5

3y average

40.48

49.38

N/A

16.89

7.5

5y average

30.92

19.72

N/A

15.45

7.3

Weighted average score

6.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

16.09

11.16

4.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.25

3.37

3.6

P/B

0.93

1.53

8.0

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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ECB Bancorp, Inc. (ECBK)

Stock details

About the company

Revenue Breakdown

News

Chart: ECBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$79.66

$18.67

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: ECBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$79.66

$18.67

Economic Moat