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ECB BANCORP INC (ECBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ECBK - US26828M1062 - Common Stock

17.15 USD
-0.03 (-0.17%)
Last: 1/9/2026, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, ECBK scores 3 out of 10 in our fundamental rating. ECBK was compared to 387 industry peers in the Banks industry. The financial health of ECBK is average, but there are quite some concerns on its profitability. ECBK is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ECBK was profitable.
ECBK had a positive operating cash flow in the past year.
ECBK had positive earnings in each of the past 5 years.
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

With a Return On Assets value of 0.43%, ECBK is not doing good in the industry: 81.14% of the companies in the same industry are doing better.
ECBK has a worse Return On Equity (3.91%) than 81.91% 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

ECBK has a Profit Margin of 21.48%. This is in the lower half of the industry: ECBK underperforms 61.24% of its industry peers.
In the last couple of years the Profit Margin of ECBK has declined.
The Operating Margin and Gross Margin are not available for ECBK so they could not be analyzed.
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. 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 reduced compared to 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

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
WACC12.6%
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

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4

3. Growth

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.
Looking at the last year, ECBK shows a very strong growth in Revenue. The Revenue has grown by 21.87%.
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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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 21.71, which indicates a rather expensive current valuation of ECBK.
Compared to the rest of the industry, the Price/Earnings ratio of ECBK indicates a rather expensive valuation: ECBK more expensive than 82.43% of the companies listed in the same industry.
ECBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.19.
Industry RankSector Rank
PE 21.71
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 65.37% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.67
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)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

ECBK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ECB BANCORP INC

NASDAQ:ECBK (1/9/2026, 8:00:01 PM)

17.15

-0.03 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-10 2025-11-10
Earnings (Next)02-05 2026-02-05
Inst Owners30.4%
Inst Owner Change0%
Ins Owners8.21%
Ins Owner Change0.33%
Market Cap150.92M
Revenue(TTM)30.84M
Net Income(TTM)6.63M
AnalystsN/A
Price TargetN/A
Short Float %2.32%
Short Ratio15.12
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 21.71
Fwd PE N/A
P/S 4.89
P/FCF 15.67
P/OCF 15.45
P/B 0.89
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)0.79
EY4.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.09
FCFY6.38%
OCF(TTM)1.11
OCFY6.47%
SpS3.5
BVpS19.24
TBVpS19.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.49
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
WACC12.6%
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 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.