ECB BANCORP INC (ECBK) Fundamental Analysis & Valuation

NASDAQ:ECBK • US26828M1062

Current stock price

17.08 USD
+0.46 (+2.77%)
At close:
17.08 USD
0 (0%)
After Hours:

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.
  • In the past year ECBK had a positive cash flow from operations.
  • Each year in the past 5 years ECBK has been profitable.
  • In the past 5 years ECBK always reported a positive cash flow from operatings.
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 2M 4M 6M

1.2 Ratios

  • ECBK has a worse Return On Assets (0.43%) than 83.73% of its industry peers.
  • ECBK has a Return On Equity of 3.91%. This is amonst the worse of the industry: ECBK underperforms 84.51% of its industry peers.
Industry RankSector Rank
ROA 0.43%
ROE 3.91%
ROIC N/A
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)2.25%
ROE(5y)3.73%
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 2 4 6

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.48%, ECBK is doing worse than 64.57% of the companies in the same industry.
  • 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) 21.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.13%
PM growth 5YN/A
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 5 10 15 20 25

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4

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.
  • ECBK has less shares outstanding than it did 1 year ago.
  • ECBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ECBK Yearly Shares OutstandingECBK Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 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 500M 1B

2.2 Solvency

  • ECBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.62%
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 50M 100M 150M

2.3 Liquidity

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

More info and screens

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 100.35%, which is quite impressive.
  • ECBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.05% yearly.
  • The Revenue has grown by 21.87% in the past year. This is a very strong growth!
  • Measured over the past years, ECBK shows a quite strong growth in Revenue. The Revenue has been growing by 9.60% on average per year.
EPS 1Y (TTM)100.35%
EPS 3Y2.05%
EPS 5YN/A
EPS Q2Q%110.57%
Revenue 1Y (TTM)21.87%
Revenue growth 3Y9.6%
Revenue growth 5YN/A
Sales Q2Q%33.39%

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 5M 10M 15M 20M 25M

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0

4. ECBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 21.62, the valuation of ECBK can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of ECBK indicates a rather expensive valuation: ECBK more expensive than 84.51% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.96, ECBK is valued at the same level.
Industry RankSector Rank
PE 21.62
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 65.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.59
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)N/A
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

Find the best dividend stocksShow peers with best dividend

ECBK Fundamentals: All Metrics, Ratios and Statistics

ECB BANCORP INC

NASDAQ:ECBK (3/16/2026, 8:20:23 PM)

After market: 17.08 0 (0%)

17.08

+0.46 (+2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)N/A
Inst Owners30.8%
Inst Owner Change1.11%
Ins Owners8.21%
Ins Owner Change0.33%
Market Cap150.13M
Revenue(TTM)30.84M
Net Income(TTM)6.63M
AnalystsN/A
Price TargetN/A
Short Float %2.57%
Short Ratio22.27
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 21.62
Fwd PE N/A
P/S 4.87
P/FCF 15.59
P/OCF 15.37
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)0.79
EY4.63%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.1
FCFY6.41%
OCF(TTM)1.11
OCFY6.51%
SpS3.51
BVpS19.26
TBVpS19.26
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.5
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 3.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.48%
GM N/A
FCFM 31.22%
ROA(3y)0.29%
ROA(5y)0.46%
ROE(3y)2.25%
ROE(5y)3.73%
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 3Y-9.13%
PM growth 5YN/A
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 47.28%
Cap/Sales 0.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.62%
ROIC/WACCN/A
Cap/Depr(3y)71.09%
Cap/Depr(5y)55.61%
Cap/Sales(3y)0.8%
Cap/Sales(5y)0.71%
Profit Quality(3y)190.24%
Profit Quality(5y)166.03%
High Growth Momentum
Growth
EPS 1Y (TTM)100.35%
EPS 3Y2.05%
EPS 5YN/A
EPS Q2Q%110.57%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.87%
Revenue growth 3Y9.6%
Revenue growth 5YN/A
Sales Q2Q%33.39%
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 1Y47.02%
FCF growth 3Y-0.6%
FCF growth 5YN/A
OCF growth 1Y43.03%
OCF growth 3Y-0.8%
OCF growth 5YN/A

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.


Can you provide the valuation status for ECB BANCORP INC?

ChartMill assigns a valuation rating of 0 / 10 to ECB BANCORP INC (ECBK). This can be considered as Overvalued.


What is the profitability of ECBK stock?

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