ECB BANCORP INC

ECBKNASDAQ

🏆 #3139 by market capUS Equity

$20.21▲ $0.16 (+0.80%)

Market closed · at close

1h—

24h▲ 0.8%

7d▼ 1.7%

14d▼ 1.9%

30d▲ 0.0%

1y▲ 21.4%

🏦Market Cap

$177M

Small Cap

📈Revenue Growth (YoY)

—

📊Gross Margin

—

💵FCF Margin

—

⚖️P/S Ratio

—

Otter Score

Fair

Trading Snapshot

Day Range: $20.10 – $20.31
52-Week Range: $14.83 – $20.76
Volume: $3.77B
Avg Volume: $4.70B
Shares Outstanding: 8.8M
Next Earnings: Oct 5, 2026

Fundamentals Snapshot

Annual Revenue: $80M
Last Q Revenue: $22M
P/E Ratio: 18.3
P/S Ratio: —
EPS (TTM): $1.16
Dividend Yield: —

Why Investors Own ECBK

✓High-growth profile — revenue up +26.5% YoY with expanding US Equity exposure.
✓Healthy economics — 48% gross margin and 24% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$80M▲ +26.5% YoY

Gross Margin (TTM)

48.0%▲ +2.8% YoY

Operating Income (TTM)

$21M▲ +26.5% YoY

Free Cash Flow (TTM)

$19M▲ +26.5% YoY

About ECB BANCORP INC

ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options. Its lending portfolio encompasses diverse loans such as those for one-to-four family residential properties, commercial and multi-family real estate, construction and land development, general commercial purposes, and consumer needs, alongside home equity loans and lines of credit. Additionally, the company makes strategic investments in securities, primarily consisting of obligations issued by the U.S. government and federal agencies, mortgage-backed instruments, and corporate bonds. It conducts its operations through two full-service banking branches located in Everett and Lynnfield, Massachusetts. The company was founded in 1890 and maintains its headquarters in Everett, Massachusetts.

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