ECB Bancorp (ECBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

ECB Bancorp

NasdaqCM•Financial Services•Banks - Regional

$20.76-0.80(-0.04%)Market closed

Market Cap

$167.39M

P/E

14.7x

P/S

1.9x

P/B

0.9x

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.

How this company scores

WeakMetricSide Score: 78/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability21/25

Growth25/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.7x5y range 13.8x – 52.3x

Currently below its 15-quarter median.

P/S · 1.9x5y range 1.6x – 4.4x

Currently near its 15-quarter median.

P/B · 0.9x5y range 0.6x – 0.9x

Price & Volume

Market Cap $167.39M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $86.54M
Q. Revenue: $22.44M
TTM EBITDA: $15.06M
TTM Op. Income: $14.83M
Q. Op. Income: $4.41M
TTM Net Income: $11.42M
Q. Net Income: $3.26M
EPS: $0.41
Shares Out.: $8.00M

$86.54M in TTM revenue grew 18.6% YoY, reaching $22.44M last quarter. TTM EBITDA of $15.06M and TTM operating income of $14.83M show growth is flowing through to the bottom line. TTM net income of $11.42M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 46.1%
EBITDA Margin: 19.6%
Op. Margin: 19.6%
Net Margin: 14.5%

Op. margin of 19.6% is up 15.5% YoY — cost efficiency is improving. Net margin at 14.5% and gross margin of 46.1% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.7x
P/S Ratio: 1.9x
P/B Ratio: 0.9x

At 14.7x P/E, the stock trades below typical market levels. P/S of 1.9x and P/B of 0.9x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 38% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.67B
Cash: $123.97M
Long-Term Debt: N/A
Book Value: $179.88M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $11.99M
TTM Free Cash Flow: $22.76M
FCF Margin: 26.3%
FCF / Net Income: 2.0

TTM FCF of $22.76M on $11.99M in operating cash flow. The FCF / Net Income ratio of 2.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.