ECB Bancorp, Inc.

ECBK

ECBKECB Bancorp, Inc. US flag

NASDAQ Capital Market

19.96

USD

-0.05

- -

174.73MMarket Cap

Income Statement (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	17	20	25	26	26	33
+ Sales & Services Revenue	17	20	25	26	26	33
- Cost of Revenue	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	7	11	11	14	15	16
+ Research & Development	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-7	-11	-11	-14	-15	-16
Operating Income (Loss)	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-7	-5	-3	-6	-5	-10
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-7	-5	-3	-6	-5	-10
Pretax Income	7	5	3	6	5	10
- Income Tax Expense (Benefit)	2	1	1	2	1	3
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	5	4	3	4	4	8
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	5	4	3	4	4	8
- Minority Interest	- -	- -	- -	- -	- -	- -
Net Income, GAAP	5	4	3	4	4	8
- Preferred Dividends	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	5	4	3	4	4	8
EBIT	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	2.04	1.51	1.21	1.08	1.15	0.89
EBITA	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Profit Margin (%)	28.37	20.3	10.86	17.24	15.22	23.38
Sales per Employee	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	12	12	8	8	8	8
Basic EPS, GAAP	0.4	0.33	0.32	0.53	0.48	0.96
Basic EPS from Cont Ops	0.4	0.33	0.32	0.53	0.48	0.96
Diluted Weighted Avg Shares	12	12	8	9	8	8
Diluted EPS, GAAP	0.4	0.33	0.32	0.52	0.48	0.94
Diluted EPS from Cont Ops	0.4	0.33	0.32	0.52	0.48	0.94

Balance Sheet (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	48	58	67	124	164	104
+ Cash & Cash Equivalents	43	53	62	119	158	95
+ ST Investments	5	5	5	5	7	9
+ Accounts & Notes Receiv	2	1	3	4	4	5
+ Accounts Receivable, Net	2	1	3	4	4	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-50	-59	-70	-128	-168	-109
+ Misc ST Assets	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	4	4	4	4	4	3
+ Property, Plant & Equip	8	8	8	8	8	8
- Accumulated Depreciation	4	4	4	5	5	5
+ LT Investments & Receivables	58	71	83	82	80	90
+ LT Investments	58	71	83	82	80	90
+ LT Receivables	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-62	-74	-86	-86	-83	-94
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-62	-74	-86	-86	-83	-94
Total Assets	588	666	1,064	1,280	1,418	1,606
+ Payables & Accruals	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -
+ LT Debt	18	9	174	234	234	285
+ LT Borrowings	18	9	174	234	234	285
+ LT Finance Leases	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-18	-9	-174	-234	-234	-285
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-18	-9	-174	-234	-234	-285
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -
Total Liabilities	515	589	902	1,115	1,250	1,434
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	89	88	86	83
+ Common Stock	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	89	87	86	83
- Treasury Stock	- -	- -	- -	- -	- -	- -
+ Retained Earnings	73	77	80	84	88	96
+ Other Equity	- -	- -	- -	- -	- -	-1
Equity Before Minority Interest	73	77	163	165	168	172
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
Total Equity	73	77	163	165	168	172
Total Liabilities & Equity	588	666	1,064	1,280	1,418	1,606
Shares Outstanding	9	9	9	9	9	9
Number of Employees	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -
Net Debt	-25	-44	112	115	76	190
Net Debt to Equity	-34.79	-56.91	68.61	69.72	45.33	110.45
Tangible Common Equity Ratio	12.43	11.59	15.29	12.88	11.87	10.71
Current Ratio	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	5	4	3	4	4	8
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	-1	1	4	1	2	3
+ Stock-Based Compensation	- -	- -	1	1	2	2
+ Deferred Income Taxes	- -	-1	-2	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	2	5	1	- -	1
+ Chg in Non-Cash Work Cap	1	1	1	- -	- -	-1
+ (Inc) Dec in Accts Receiv	- -	- -	-1	-1	- -	-1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	1	1	- -	- -
+ Inc (Dec) in Other	1	1	2	- -	1	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	5	6	8	6	6	9
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	79	-2	-3	-5
+ Increase in Capital Stock	- -	- -	79	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-2	-3	-5
+ Net Change in LT Investment	-15	-13	-12	1	2	-13
+ Dec in LT Investment	24	14	10	9	18	50
+ Inc in LT Investment	-39	-27	-23	-8	-16	-63
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-40	-55	-377	-158	-98	-247
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-56	-68	-389	-157	-95	-260
+ Dividends Paid	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	-4	-9	165	60	-15	6
+ Cash From Debt	10	4	185	195	55	31
+ Repayments of Debt	-14	-13	-20	-135	-70	-25
+ Other Financing Activities	68	80	146	150	145	179
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	64	71	391	208	128	180
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -
Net Changes in Cash	13	10	9	57	39	-71
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	2.04	1.51	1.21	1.08	1.15	0.89
Free Cash Flow	5	6	8	6	6	9
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	5	6	8	6	6	9
Free Cash Flow to Equity	- -	-3	173	66	-9	15
Free Cash Flow per Basic Share	0.42	0.53	0.92	0.76	0.75	1.14
Price/Free Cash Flow	- -	- -	17.47	16.64	19.89	15.68
Cash Flow to Net Income	1.04	1.6	2.86	1.44	1.56	1.19
Capital Expenditures	- -	- -	- -	- -	- -	- -