ECB Bancorp, Inc.

ECB Bancorp, Inc.

ECBK
ECB Bancorp, Inc.US flagNASDAQ Capital Market
19.96
USD
-0.05
- -
174.73MMarket Cap
ECB Bancorp, Inc.
ECBK
(NASDAQ Capital Market)

Recent

price

19.96

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
TTM
FRC
1.4
1.63
2.96
3.05
3.17
4.1
4.53
Revenue per Share
0.4
0.33
0.32
0.53
0.48
0.96
1.19
Basic EPS, GAAP
0.42
0.53
0.92
0.76
0.75
1.14
1.57
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
5.99
6.32
9.48
9.92
10.65
11.81
12.27
Book Value per Share
5.97
6.32
19.24
19.48
20.38
21.23
21.84
Tangible Book Value per Share
12
12
8
8
8
8
8
Basic Weighted Avg Shares
17
20
25
26
26
33
36
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
4
3
4
4
8
10
Net Income, GAAP
25.61
26.12
22.2
25.55
25.69
25.12
25.73
Effective Tax Rate (%)
28.37
20.3
10.86
17.24
15.22
23.38
26.3
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
18
9
174
234
234
285
261
LT Debt
73
77
163
165
168
172
176
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
5.37
3.45
5.43
4.64
8.46
10.21
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
260
285
261
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9
9
9
Market Capitalization
129
141
135

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
121
104
136
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
24.39%
2.18%
Free Cash Flow
- -
15.03%
48.04%
Net Income, GAAP
- -
19.72%
94.74%
Sales/Revenue/Turnover
- -
14.69%
26.81%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
6
7
7
26
2025
7
8
9
10
33
2026
10
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.07
0.1
0.14
0.18
0.48
2025
0.16
0.18
0.3
0.32
0.96
2026
0.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
ECB Bancorp, Inc. functions as the holding entity for Everett Co-operative Bank, a financial institution delivering a comprehensive array of banking services and solutions. The bank facilitates a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market options, savings vehicles, demand deposit accounts, and both interest-bearing and noninterest-bearing checking facilities. Furthermore, it extends diverse loan products such as residential real estate loans for one-to-four family properties, commercial real estate and multifamily property loans, construction and land loans, general commercial lending, and consumer loans, alongside home equity loans and lines of credit. The company also engages in investment activities, primarily involving U.S. government and federal agency securities, mortgage-backed securities, and corporate bonds. Established in 1890, Everett Co-operative Bank operates from three full-service banking locations situated in Everett, Lynnfield, and Woburn, Massachusetts, serving the wider Boston metropolitan area. The holding company, ECB Bancorp, Inc., was officially formed in 2022 following the bank's mutual to stock conversion and subsequently listed on the Nasdaq. The institution aims to support individuals, families, and local enterprises, predominantly within Middlesex, Essex, and Suffolk Counties of Massachusetts.

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