ECB Bancorp, Inc.

ECBK

ECBKECB Bancorp, Inc. US flag

NASDAQ Capital Market

18.10

USD

- -

158.45MMarket Cap

Profitability (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	5.37	3.45	5.43	4.64	8.46
Return on Assets (%)	- -	0.64	0.31	0.38	0.3	0.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.04	1.51	1.21	1.08	1.15	0.89
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.13	27.47	13.96	23.16	20.49	31.22
Profit Margin (%)	28.37	20.3	10.86	17.24	15.22	23.38
Net Income to Common Margin (%)	28.37	20.3	10.86	17.24	15.22	23.38
Effective Tax Rate (%)	25.61	26.12	22.2	25.55	25.69	25.12
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.37	3.45	5.43	4.64	8.46

Credit (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	18	9	174	234	234	285
ST Debt	- -	- -	- -	- -	- -	- -
LT Debt	18	9	174	234	234	285
Total Debt/EBITDA	51.43	30	576.16	838.71	774.83	958.97
Net Debt/EBITDA	-72.6	-146.58	369.7	412.06	252.59	639.38
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.48	11.61	7.53	6.56	6.2	5.96
Long-Term Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Long-Term Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Long-Term Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Total Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Net Debt to Equity	-34.79	-56.91	68.61	69.72	45.33	110.45
Net Debt/Capital (%)	-53.05	-131.74	58.21	57.8	46.45	66.49
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.48	11.61	7.53	6.56	6.2	5.96
Long-Term Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Long-Term Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Long-Term Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Total Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
CFO/Total Liabilities	0.99	1.09	0.86	0.58	0.5	0.64
CFO/CapEx	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.2	0.19	0.22	0.17	0.16	0.16

Working Capital (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	12.07	12.18	8.08	6.74	7.2
Days Sales Outstanding	- -	30.25	29.97	45.18	54.17	50.67
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	136	106	123	141
- Cash & Cash Equivalents	43	53	62	119	158	95
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	18	9	174	234	234	285
Enterprise Value	-30	-49	242	216	192	322
Total Capital	91	86	254	318	322	381
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt / EV	-0.59	-0.18	0.72	1.08	1.22	0.88
EV/Sales	- -	- -	9.68	8.37	7.33	9.68
EV/EBITDA	- -	- -	802.55	775.25	636.6	1,083.76
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	31.19	33.62	30.87	34.91
EV/Free Cash Flow to Firm	- -	- -	31.19	33.62	30.87	34.91
Diluted Market Cap	- -	- -	136	107	124	145
Diluted Enterprise Value	-25	-44	247	222	200	334
EV per Share	- -	- -	28.66	25.55	23.28	39.74
TTM Sales	17	20	25	26	26	33
TTM EBITDA	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	6	8	6	6	9
TTM Free Cash Flow to Firm	5	6	8	6	6	9

Multiples (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	17.47	16.64	19.89	15.68
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-30	-49	242	216	192	322
Low Price	- -	- -	13.82	9.82	11.39	12.56
EV/Sales	- -	- -	9.68	8.37	7.33	9.68
EV/EBITDA	- -	- -	802.55	775.25	636.6	1,083.76
Price/Earnings	- -	- -	49.9	23.86	30.7	18.12
Price/Earnings Average	- -	- -	47.34	24.27	27.89	16.45
Price/Earnings High	- -	- -	52.57	31.33	32.59	18.5
Price/Earnings Low	- -	- -	42.97	18.66	23.56	13.09
Price/Book Value	- -	- -	1.69	1.27	1.39	1.47
Price/Book Value Average	- -	- -	1.61	1.29	1.27	1.34
Price/Book Value High	- -	- -	1.78	1.66	1.48	1.5
Price/Book Value Low	- -	- -	1.46	0.99	1.07	1.06
Price/Tangible Book Value	- -	- -	0.83	0.64	0.73	0.82
Price/Tangible Book Value Average	- -	- -	0.79	0.66	0.66	0.74
Price/Tangible Book Value High	- -	- -	0.88	0.85	0.77	0.84
Price/Tangible Book Value Low	- -	- -	0.72	0.5	0.56	0.59
Price/Sales	- -	- -	5.42	4.11	4.67	4.24
Price/Sales Average	- -	- -	5.14	4.19	4.25	3.85
Price/Sales High	- -	- -	5.71	5.4	4.96	4.33
Price/Sales Low	- -	- -	4.67	3.22	3.59	3.06
Price/Cash Flow	- -	- -	17.47	16.53	19.67	15.28
Price/Cash Flow Average	- -	- -	16.57	16.81	17.87	13.87
Price/Cash Flow High	- -	- -	18.4	21.7	20.88	15.59
Price/Cash Flow Low	- -	- -	15.04	12.92	15.1	11.03
Price/Free Cash Flow Average	- -	- -	16.57	16.93	18.06	14.23
Price/Free Cash Flow High	- -	- -	18.4	21.85	21.11	16
Price/Free Cash Flow Low	- -	- -	15.04	13.01	15.26	11.32
EV/Sales Average	- -	- -	9.6	8.63	7.16	9.56
EV/Sales High	- -	- -	10.17	9.85	7.87	10.04
EV/Sales Low	- -	- -	9.12	7.67	6.5	8.77
EV/EBITDA Average	-72.6	-146.58	796.09	799.76	621.11	1,069.84
EV/EBITDA High	-72.6	-146.58	843.19	912.43	683.22	1,123.49
EV/EBITDA Low	-72.6	-146.58	756.67	710.04	564.01	981.94
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.05	12.56	14.84	17.39
High Price	- -	- -	16.91	16.49	15.75	17.75
Enterprise Value Average	-25	-44	240	223	188	318
Enterprise Value High	-25	-44	255	255	206	334
Enterprise Value Low	-25	-44	229	198	170	292

Profitability (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	5.37	3.45	5.43	4.64	8.46
Return on Assets (%)	- -	0.64	0.31	0.38	0.3	0.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.04	1.51	1.21	1.08	1.15	0.89
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.13	27.47	13.96	23.16	20.49	31.22
Profit Margin (%)	28.37	20.3	10.86	17.24	15.22	23.38
Net Income to Common Margin (%)	28.37	20.3	10.86	17.24	15.22	23.38
Effective Tax Rate (%)	25.61	26.12	22.2	25.55	25.69	25.12
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	5.37	3.45	5.43	4.64	8.46

Credit (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	18	9	174	234	234	285
ST Debt	- -	- -	- -	- -	- -	- -
LT Debt	18	9	174	234	234	285
Total Debt/EBITDA	51.43	30	576.16	838.71	774.83	958.97
Net Debt/EBITDA	-72.6	-146.58	369.7	412.06	252.59	639.38
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.48	11.61	7.53	6.56	6.2	5.96
Long-Term Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Long-Term Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Long-Term Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Total Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Net Debt to Equity	-34.79	-56.91	68.61	69.72	45.33	110.45
Net Debt/Capital (%)	-53.05	-131.74	58.21	57.8	46.45	66.49
EBITDA	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.48	11.61	7.53	6.56	6.2	5.96
Long-Term Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Long-Term Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Long-Term Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
Total Debt/Equity (%)	24.65	11.65	106.93	141.9	139.06	165.65
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt/Total Assets (%)	3.06	1.35	16.35	18.28	16.5	17.74
CFO/Total Liabilities	0.99	1.09	0.86	0.58	0.5	0.64
CFO/CapEx	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.2	0.19	0.22	0.17	0.16	0.16

Working Capital (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	12.07	12.18	8.08	6.74	7.2
Days Sales Outstanding	- -	30.25	29.97	45.18	54.17	50.67
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	136	106	123	141
- Cash & Cash Equivalents	43	53	62	119	158	95
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	18	9	174	234	234	285
Enterprise Value	-30	-49	242	216	192	322
Total Capital	91	86	254	318	322	381
Total Debt/Capital (%)	19.71	10.42	68.46	73.6	72.69	74.85
Total Debt / EV	-0.59	-0.18	0.72	1.08	1.22	0.88
EV/Sales	- -	- -	9.68	8.37	7.33	9.68
EV/EBITDA	- -	- -	802.55	775.25	636.6	1,083.76
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	31.19	33.62	30.87	34.91
EV/Free Cash Flow to Firm	- -	- -	31.19	33.62	30.87	34.91
Diluted Market Cap	- -	- -	136	107	124	145
Diluted Enterprise Value	-25	-44	247	222	200	334
EV per Share	- -	- -	28.66	25.55	23.28	39.74
TTM Sales	17	20	25	26	26	33
TTM EBITDA	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	6	8	6	6	9
TTM Free Cash Flow to Firm	5	6	8	6	6	9

Multiples (USD)

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	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	17.47	16.64	19.89	15.68
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-30	-49	242	216	192	322
Low Price	- -	- -	13.82	9.82	11.39	12.56
EV/Sales	- -	- -	9.68	8.37	7.33	9.68
EV/EBITDA	- -	- -	802.55	775.25	636.6	1,083.76
Price/Earnings	- -	- -	49.9	23.86	30.7	18.12
Price/Earnings Average	- -	- -	47.34	24.27	27.89	16.45
Price/Earnings High	- -	- -	52.57	31.33	32.59	18.5
Price/Earnings Low	- -	- -	42.97	18.66	23.56	13.09
Price/Book Value	- -	- -	1.69	1.27	1.39	1.47
Price/Book Value Average	- -	- -	1.61	1.29	1.27	1.34
Price/Book Value High	- -	- -	1.78	1.66	1.48	1.5
Price/Book Value Low	- -	- -	1.46	0.99	1.07	1.06
Price/Tangible Book Value	- -	- -	0.83	0.64	0.73	0.82
Price/Tangible Book Value Average	- -	- -	0.79	0.66	0.66	0.74
Price/Tangible Book Value High	- -	- -	0.88	0.85	0.77	0.84
Price/Tangible Book Value Low	- -	- -	0.72	0.5	0.56	0.59
Price/Sales	- -	- -	5.42	4.11	4.67	4.24
Price/Sales Average	- -	- -	5.14	4.19	4.25	3.85
Price/Sales High	- -	- -	5.71	5.4	4.96	4.33
Price/Sales Low	- -	- -	4.67	3.22	3.59	3.06
Price/Cash Flow	- -	- -	17.47	16.53	19.67	15.28
Price/Cash Flow Average	- -	- -	16.57	16.81	17.87	13.87
Price/Cash Flow High	- -	- -	18.4	21.7	20.88	15.59
Price/Cash Flow Low	- -	- -	15.04	12.92	15.1	11.03
Price/Free Cash Flow Average	- -	- -	16.57	16.93	18.06	14.23
Price/Free Cash Flow High	- -	- -	18.4	21.85	21.11	16
Price/Free Cash Flow Low	- -	- -	15.04	13.01	15.26	11.32
EV/Sales Average	- -	- -	9.6	8.63	7.16	9.56
EV/Sales High	- -	- -	10.17	9.85	7.87	10.04
EV/Sales Low	- -	- -	9.12	7.67	6.5	8.77
EV/EBITDA Average	-72.6	-146.58	796.09	799.76	621.11	1,069.84
EV/EBITDA High	-72.6	-146.58	843.19	912.43	683.22	1,123.49
EV/EBITDA Low	-72.6	-146.58	756.67	710.04	564.01	981.94
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.05	12.56	14.84	17.39
High Price	- -	- -	16.91	16.49	15.75	17.75
Enterprise Value Average	-25	-44	240	223	188	318
Enterprise Value High	-25	-44	255	255	206	334
Enterprise Value Low	-25	-44	229	198	170	292

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	9	9	9	9	9	9
Diluted Weighted Avg Shares	12	12	8	9	8	8
Basic Weighted Avg Shares	12	12	8	8	8	8
Revenue per Share	1.4	1.63	2.96	3.05	3.17	4.1
EBITDA per Share	0.03	0.02	0.04	0.03	0.04	0.04
Operating Income per Share	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.42	0.53	0.92	0.76	0.75	1.14
Free Cash Flow per Basic Share	0.42	0.53	0.92	0.76	0.75	1.14
Cash & Equivalents per Share	3.96	4.74	7.96	14.65	19.9	12.81
Book Value per Share	5.99	6.32	9.48	9.92	10.65	11.81
Tangible Book Value per Share	5.97	6.32	19.24	19.48	20.38	21.23

ECB Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)