ECB BANCORP INC (ECBK) Fundamental Analysis & Valuation

NASDAQ:ECBK • US26828M1062

Current stock price

18.12 USD
-0.15 (-0.82%)
Last:

This ECBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. ECBK Profitability Analysis

1.1 Basic Checks

  • In the past year ECBK was profitable.
  • ECBK had a positive operating cash flow in the past year.
  • In the past 5 years ECBK has always been profitable.
  • Each year in the past 5 years ECBK had a positive operating cash flow.
ECBK Yearly Net Income VS EBIT VS OCF VS FCFECBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.48%, ECBK is doing worse than 84.57% of the companies in the same industry.
  • With a Return On Equity value of 4.52%, ECBK is not doing good in the industry: 85.64% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.48%
ROE 4.52%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.4%
ROE(3y)3.2%
ROE(5y)3.3%
ROIC(3y)N/A
ROIC(5y)N/A
ECBK Yearly ROA, ROE, ROICECBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 2 4 6

1.3 Margins

  • ECBK has a worse Profit Margin (23.38%) than 60.90% of its industry peers.
  • ECBK's Profit Margin has declined in the last couple of years.
  • ECBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y29.09%
PM growth 5Y-3.8%
GM growth 3YN/A
GM growth 5YN/A
ECBK Yearly Profit, Operating, Gross MarginsECBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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5

2. ECBK Health Analysis

2.1 Basic Checks

  • ECBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ECBK has been reduced compared to 1 year ago.
  • ECBK has less shares outstanding than it did 5 years ago.
  • There is no outstanding debt for ECBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ECBK Yearly Shares OutstandingECBK Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
ECBK Yearly Total Debt VS Total AssetsECBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • There is no outstanding debt for ECBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.63%
ECBK Yearly LT Debt VS Equity VS FCFECBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. ECBK Growth Analysis

3.1 Past

  • ECBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 97.55%, which is quite impressive.
  • Measured over the past years, ECBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.20% on average per year.
  • ECBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.79%.
  • The Revenue has been growing by 14.18% on average over the past years. This is quite good.
EPS 1Y (TTM)97.55%
EPS 3Y42.96%
EPS 5Y11.2%
EPS Q2Q%84.82%
Revenue 1Y (TTM)26.79%
Revenue growth 3Y9.92%
Revenue growth 5Y14.18%
Sales Q2Q%33.74%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ECBK Yearly Revenue VS EstimatesECBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 10M 20M 30M

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1

4. ECBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 19.28, ECBK is valued on the expensive side.
  • ECBK's Price/Earnings ratio is rather expensive when compared to the industry. ECBK is more expensive than 84.04% of the companies in the same industry.
  • ECBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.15.
Industry RankSector Rank
PE 19.28
Fwd PE N/A
ECBK Price Earnings VS Forward Price EarningsECBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ECBK is valued a bit more expensive than the industry average as 70.48% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.67
EV/EBITDA N/A
ECBK Per share dataECBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.72
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ECBK Dividend Analysis

5.1 Amount

  • No dividends for ECBK!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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ECBK Fundamentals: All Metrics, Ratios and Statistics

ECB BANCORP INC

NASDAQ:ECBK (4/27/2026, 8:00:02 PM)

18.12

-0.15 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-01
Inst Owners30.85%
Inst Owner Change-0.01%
Ins Owners8.22%
Ins Owner Change0.33%
Market Cap159.09M
Revenue(TTM)33.24M
Net Income(TTM)7.77M
AnalystsN/A
Price TargetN/A
Short Float %2.54%
Short Ratio15.98
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 19.28
Fwd PE N/A
P/S 4.79
P/FCF 17.67
P/OCF 17.26
P/B 0.93
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)0.94
EY5.19%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.03
FCFY5.66%
OCF(TTM)1.05
OCFY5.8%
SpS3.79
BVpS19.58
TBVpS19.58
PEG (NY)N/A
PEG (5Y)1.72
Graham Number20.3511 (12.31%)
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 4.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.38%
GM N/A
FCFM 27.09%
ROA(3y)0.37%
ROA(5y)0.4%
ROE(3y)3.2%
ROE(5y)3.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y29.09%
PM growth 5Y-3.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 72.05%
Cap/Sales 0.64%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.63%
ROIC/WACCN/A
Cap/Depr(3y)70.66%
Cap/Depr(5y)63.73%
Cap/Sales(3y)0.72%
Cap/Sales(5y)0.71%
Profit Quality(3y)136.34%
Profit Quality(5y)168.76%
High Growth Momentum
Growth
EPS 1Y (TTM)97.55%
EPS 3Y42.96%
EPS 5Y11.2%
EPS Q2Q%84.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.79%
Revenue growth 3Y9.92%
Revenue growth 5Y14.18%
Sales Q2Q%33.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y44.4%
FCF growth 3Y6.05%
FCF growth 5Y12.63%
OCF growth 1Y46.42%
OCF growth 3Y5.87%
OCF growth 5Y12.66%

ECB BANCORP INC / ECBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ECB BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to ECBK.


What is the valuation status of ECB BANCORP INC (ECBK) stock?

ChartMill assigns a valuation rating of 1 / 10 to ECB BANCORP INC (ECBK). This can be considered as Overvalued.


How profitable is ECB BANCORP INC (ECBK) stock?

ECB BANCORP INC (ECBK) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for ECBK stock?

The Price/Earnings (PE) ratio for ECB BANCORP INC (ECBK) is 19.28 and the Price/Book (PB) ratio is 0.93.


How financially healthy is ECB BANCORP INC?

The financial health rating of ECB BANCORP INC (ECBK) is 5 / 10.