Symbols / ECBK Stock $18.27 +0.11% ECB Bancorp, Inc.

Financial Services • Banks - Regional • United States • NCM
ECBK (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Richard J. O'Neil Jr., Esq.
Exch · Country NCM · United States
Market Cap 160.28M
Enterprise Value 298.31M
Income 9.60M
Sales 34.79M
FCF (ttm) —
Book/sh 19.55
Cash/sh 14.00
Employees 64
Insider 10d —
IPO Jul 28, 2022
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 15.75
Forward P/E —
PEG —
P/S 4.61
P/B 0.93
P/C —
EV/EBITDA —
EV/Sales 8.57
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.16
EPS next Y —
EPS Growth 140.60%
Revenue Growth 44.40%
EPS Gr Q/Q 140.70%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 0.62%
ROE 5.57%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.10%
Profit Margin 27.59%
Shs Outstand 8.77M
Shs Float 8.00M
Insider Own 17.08%
Instit Own 30.91%
Short Float 2.34%
Short Ratio 11.21
Short Interest 184.04K
52W High 20.05
vs 52W High -8.86%
52W Low 14.82
vs 52W Low 23.28%
Beta 0.46
Impl. Vol. —
Rel Volume 0.39
Avg Volume 11.27K
Volume 4.36K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $18.25
Price $18.27
Change 0.11%
About

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 real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$18.27
Latest analyst target
3. DCF / Fair value
$17.40
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$18.27
Low
—
High
—
Mean
—
News
RSS: Latest ECBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-09 SULLIVAN MAURA ELLEN Director — 2,200 $18.50 $40,700
2025-12-17 SULLIVAN MAURA ELLEN Director — 1,150 $0.00 $0
2025-12-09 SULLIVAN MAURA ELLEN Director — 3,500 $16.65 $58,977
2025-09-16 O'NEIL RICHARD J JR. Chief Executive Officer — 1,250 $15.85 $19,812
2025-02-24 LAVERTU BRANDON Chief Financial Officer — 1,828 $14.40 $26,418
2025-02-21 LAVERTU BRANDON Chief Financial Officer — 3,122 $14.12 $44,879
2025-02-13 CITRANO JOHN A Chief Operating Officer — 3,050 $13.82 $43,088
2025-02-11 CITRANO JOHN A Chief Operating Officer — 3,675 $14.00 $51,970
2024-12-18 SACHETTA JOSEPH Director — 5,932 $11.80 $69,998
2024-12-18 SACHETTA JOSEPH Director — 5,832 $11.80 $68,818
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
33.24
+26.81%
26.21
+1.44%
25.84
+3.19%
25.04
Operating Revenue
33.24
+26.81%
26.21
+1.44%
25.84
+3.19%
25.04
Selling General And Administration
15.51
+2.03%
15.20
+9.76%
13.85
+22.17%
11.33
Selling And Marketing Expense
0.64
+15.97%
0.55
-30.60%
0.79
+5.59%
0.75
General And Administrative Expense
14.87
+1.50%
14.65
+12.22%
13.05
+23.35%
10.58
Salaries And Wages
13.98
+0.64%
13.90
+13.34%
12.26
+18.37%
10.36
Other Gand A
—
—
—
—
Reconciled Depreciation
0.30
-1.66%
0.30
+8.24%
0.28
-7.62%
0.30
Total Unusual Items
—
—
—
-3.26
Total Unusual Items Excluding Goodwill
—
—
—
-3.26
Special Income Charges
—
—
—
-3.26
Other Special Charges
—
—
—
3.26
Net Income
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Pretax Income
10.38
+93.24%
5.37
-10.26%
5.99
+71.20%
3.50
Net Interest Income
31.92
+27.73%
24.99
+0.80%
24.79
+4.86%
23.64
Interest Expense
46.26
+10.00%
42.06
+40.26%
29.99
+443.72%
5.51
Interest Income
78.18
+16.61%
67.05
+22.40%
54.78
+87.87%
29.16
Tax Provision
2.61
+88.91%
1.38
-9.74%
1.53
+97.04%
0.78
Tax Rate For Calcs
0.00
-2.24%
0.00
+0.76%
0.00
+14.86%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Net Income From Continuing Operation Net Minority Interest
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Net Income From Continuing And Discontinued Operation
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Net Income Continuous Operations
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Normalized Income
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Net Income Common Stockholders
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Diluted EPS
—
0.48
-7.69%
0.52
+62.50%
0.32
Basic EPS
—
0.48
-9.43%
0.53
+65.63%
0.32
Basic Average Shares
—
8.26
-2.47%
8.47
+0.12%
8.46
Diluted Average Shares
—
8.35
-2.09%
8.52
+0.80%
8.46
Diluted NI Availto Com Stockholders
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Insurance And Claims
0.88
+17.42%
0.75
-5.17%
0.79
+252.44%
0.23
Occupancy And Equipment
1.10
+6.68%
1.03
+9.78%
0.94
+24.97%
0.75
Other Non Interest Expense
3.35
+5.47%
3.18
+9.21%
2.91
-48.70%
5.67
Professional Expense And Contract Services Expense
1.37
+8.74%
1.26
-7.16%
1.35
+60.17%
0.85
Line Item Trend 2023-12-31
Total Assets
1,280.34
Cash And Cash Equivalents
119.04
Cash Equivalents
115.25
Cash Financial
3.79
Other Short Term Investments
5.00
Receivables
3.77
Accounts Receivable
3.77
Net PPE
3.75
Gross PPE
8.36
Accumulated Depreciation
-4.61
Land And Improvements
0.59
Buildings And Improvements
5.70
Machinery Furniture Equipment
1.72
Leases
0.34
Investments And Advances
81.98
Total Liabilities Net Minority Interest
1,115.43
Long Term Debt And Capital Lease Obligation
234.00
Long Term Debt
234.00
Stockholders Equity
164.90
Common Stock Equity
164.90
Capital Stock
0.09
Common Stock
0.09
Preferred Stock
0.00
Share Issued
9.29
Ordinary Shares Number
9.29
Treasury Shares Number
0.00
Additional Paid In Capital
87.43
Retained Earnings
83.85
Gains Losses Not Affecting Retained Earnings
0.13
Other Equity Adjustments
0.13
Total Equity Gross Minority Interest
164.90
Total Capitalization
398.90
Invested Capital
398.90
Total Debt
234.00
Net Debt
114.96
Net Tangible Assets
164.90
Tangible Book Value
164.90
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
119.04
Held To Maturity Securities
76.98
Other Equity Interest
-6.61
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
9.22
+48.04%
6.23
-3.20%
6.43
-17.19%
7.77
Cash Flow From Continuing Operating Activities
9.22
+48.04%
6.23
-3.20%
6.43
-17.19%
7.77
Net Income From Continuing Operations
7.77
+94.74%
3.99
-10.44%
4.46
+63.82%
2.72
Depreciation Amortization Depletion
0.30
-1.66%
0.30
+8.24%
0.28
-7.62%
0.30
Depreciation And Amortization
0.30
-1.66%
0.30
+8.24%
0.28
-7.62%
0.30
Other Non Cash Items
-0.23
-289.08%
0.12
+333.33%
-0.05
-101.43%
3.56
Pension And Employee Benefit Expense
—
—
0.00
+100.00%
-2.00
Stock Based Compensation
1.81
+0.67%
1.80
+143.90%
0.74
+32.02%
0.56
Deferred Tax
-0.25
+1.60%
-0.25
-125.23%
-0.11
+92.61%
-1.50
Deferred Income Tax
-0.25
+1.60%
-0.25
-125.23%
-0.11
+92.61%
-1.50
Operating Gains Losses
-0.13
-10.92%
-0.12
-466.67%
-0.02
+98.99%
-2.08
Change In Working Capital
-1.41
-614.23%
0.27
-11.61%
0.31
-71.79%
1.10
Change In Receivables
-1.20
-381.53%
-0.25
+78.04%
-1.13
+1.48%
-1.15
Changes In Account Receivables
-1.20
-381.53%
-0.25
+78.04%
-1.13
+1.48%
-1.15
Change In Payables And Accrued Expense
0.30
+1987.50%
-0.02
-101.10%
1.46
+111.79%
0.69
Change In Payable
0.30
+1987.50%
-0.02
-101.10%
1.46
+111.79%
0.69
Change In Account Payable
0.30
+1987.50%
-0.02
-101.10%
1.46
+111.79%
0.69
Change In Other Working Capital
-0.47
-0.42%
-0.47
-16.79%
-0.41
-1.76%
-0.40
Change In Other Current Assets
-0.63
+81.49%
-3.39
-172.79%
-1.24
-61.51%
-0.77
Change In Other Current Liabilities
0.30
-92.68%
4.12
+147.24%
1.67
-42.58%
2.90
Investing Cash Flow
-259.90
-172.75%
-95.29
+39.42%
-157.29
+59.60%
-389.34
Cash Flow From Continuing Investing Activities
-259.90
-172.75%
-95.29
+39.42%
-157.29
+59.60%
-389.34
Capital Expenditure
-0.21
-256.67%
-0.06
+82.09%
-0.34
-55.09%
-0.22
Capital Expenditure Reported
-0.21
-256.67%
-0.06
+82.09%
-0.34
-55.09%
-0.22
Net Investment Purchase And Sale
-12.82
-679.92%
2.21
+286.54%
0.57
+104.69%
-12.20
Purchase Of Investment
-62.77
-304.89%
-15.50
-86.95%
-8.29
+63.36%
-22.63
Sale Of Investment
49.94
+181.96%
17.71
+99.83%
8.86
-14.98%
10.43
Net Other Investing Changes
-1.85
-1614.81%
-0.11
+95.40%
-2.35
+55.74%
-5.31
Financing Cash Flow
179.99
+41.01%
127.64
-38.59%
207.84
-46.80%
390.64
Cash Flow From Continuing Financing Activities
179.99
+41.01%
127.64
-38.59%
207.84
-46.80%
390.64
Net Issuance Payments Of Debt
50.81
0.00
-100.00%
60.00
-63.64%
165.00
Issuance Of Debt
30.82
-43.97%
55.00
-71.79%
195.00
+77.27%
110.00
Repayment Of Debt
-25.00
+64.29%
-70.00
+12.50%
-80.00
-300.00%
-20.00
Long Term Debt Issuance
30.82
-43.97%
55.00
-71.79%
195.00
+77.27%
110.00
Long Term Debt Payments
-25.00
+64.29%
-70.00
+12.50%
-80.00
-300.00%
-20.00
Net Long Term Debt Issuance
5.82
+138.77%
-15.00
-113.04%
115.00
+27.78%
90.00
Short Term Debt Issuance
—
—
—
75.00
Short Term Debt Payments
—
—
-55.00
—
Net Short Term Debt Issuance
45.00
+200.00%
15.00
+127.27%
-55.00
-173.33%
75.00
Net Common Stock Issuance
-4.61
-69.36%
-2.72
-22.34%
-2.23
-102.81%
79.25
Common Stock Payments
-4.61
-69.36%
-2.72
-22.34%
-2.23
0.00
Repurchase Of Capital Stock
-4.61
-69.36%
-2.72
-22.34%
-2.23
0.00
Proceeds From Stock Option Exercised
-0.03
-166.67%
0.04
0.00
—
Changes In Cash
-70.69
-283.24%
38.58
-32.30%
56.99
+527.94%
9.07
Beginning Cash Position
157.62
+32.41%
119.04
+91.84%
62.05
+17.13%
52.98
End Cash Position
86.92
-44.85%
157.62
+32.41%
119.04
+91.84%
62.05
Free Cash Flow
9.01
+46.01%
6.17
+1.13%
6.10
-19.26%
7.55
Interest Paid Supplemental Data
46.56
+10.76%
42.04
+47.35%
28.53
+490.95%
4.83
Income Tax Paid Supplemental Data
2.75
+75.93%
1.57
-30.68%
2.26
+13.98%
1.98
Amortization Of Securities
-0.18
-190.48%
-0.06
-303.23%
0.03
-82.97%
0.18
Common Stock Issuance
—
—
0.00
-100.00%
79.25
Issuance Of Capital Stock
—
—
0.00
-100.00%
79.25
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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