ECB BANCORP INC (ECBK)

US26828M1062 - Common Stock

11.525  -0.07 (-0.65%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ECBK. ECBK was compared to 412 industry peers in the Banks industry. ECBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ECBK does not seem to be growing, but still is valued expensively.



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1

1. Profitability

1.1 Basic Checks

In the past year ECBK was profitable.
In the past year ECBK had a positive cash flow from operations.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.35%, ECBK is doing worse than 84.95% of the companies in the same industry.
Looking at the Return On Equity, with a value of 2.70%, ECBK is doing worse than 87.62% of the companies in the same industry.
Industry RankSector Rank
ROA 0.35%
ROE 2.7%
ROIC N/A
ROA(3y)0.4%
ROA(5y)N/A
ROE(3y)3.2%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

ECBK has a worse Profit Margin (17.25%) than 75.49% of its industry peers.
In the last couple of years the Profit Margin of ECBK has declined.
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) 17.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.29%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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4

2. Health

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 increased compared to 1 year 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.

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
WACC12.14%

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 72.12% over the past year.
Measured over the past years, ECBK shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.68% on average per year.
Looking at the last year, ECBK shows a small growth in Revenue. The Revenue has grown by 3.23% in the last year.
ECBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.69% yearly.
EPS 1Y (TTM)72.12%
EPS 3Y-1.68%
EPS 5YN/A
EPS growth Q2Q-14.95%
Revenue 1Y (TTM)3.23%
Revenue growth 3Y14.69%
Revenue growth 5YN/A
Revenue growth Q2Q-11.93%

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.

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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.75 indicates a rather expensive valuation of ECBK.
87.62% of the companies in the same industry are cheaper than ECBK, based on the Price/Earnings ratio.
ECBK's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.55.
Industry RankSector Rank
PE 21.75
Fwd PE N/A

4.2 Price Multiples

ECBK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ECBK is more expensive than 77.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.46
EV/EBITDA N/A

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

No dividends for ECBK!.
Industry RankSector Rank
Dividend Yield N/A

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ECB BANCORP INC

NASDAQ:ECBK (5/1/2024, 7:00:01 PM)

11.525

-0.07 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap106.49M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 21.75
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 2.7%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 17.25%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)72.12%
EPS 3Y-1.68%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.23%
Revenue growth 3Y14.69%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y