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ECB Bancorp, Inc.(ECBK)Earnings, Financials & Key Ratios
ECBK•NASDAQ•Banking & Credit
$19.97
21.2× P/E·Price updated Jul 7, 2026
AboutECB Bancorp, Inc. focuses on 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, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also 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. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.Show more
- Net Interest Income$32M+27.7%
- Total Revenue$80M+16.5%
- Net Income$8M+94.7%
- Return on Equity4.57%+90.7%
- Net Interest Margin1.99%+12.8%
- Efficiency Ratio26.83%-11.4%
- ROA0.51%+73.8%
- Equity / Assets10.71%-9.8%
- Book Value per Share20.69+2.6%
ECBK Price & Volume
ECB Bancorp, Inc. (ECBK) stock price & volume — 10-year historical chart
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Strategic Asset Deployment Drives Revenue Growth Acceleration
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Commercial real estate concentration
Key Thesis Takeaways
- ECB Bancorp is currently leveraging its post-conversion capital base to aggressively expand its interest-earning assets, as evidenced by a 47.9% year-over-year increase in net interest income to $9.8 million in 2026Q1.
- While the bank has successfully improved its efficiency ratio to 26.2%, investors should monitor the persistent 0.6% net interest margin and the significant duration risk inherent in its $1.6 billion investment securities portfolio.
- Future performance will likely depend on management's ability to transition from a securities-heavy balance sheet toward more profitable, core deposit-funded loan growth while navigating potential credit volatility.
Verdict Logic
while the bank shows strong revenue growth of 47.9% year-over-year, the stagnant 0.6% net interest margin and heavy reliance on investment securities suggest limited near-term profitability upside.
ECBK Growth Metrics
ECB Bancorp, Inc. (ECBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years28.41%
3 Years37.54%
TTM-
Profit CAGR
10 Years-
5 Years9.84%
3 Years41.9%
TTM105.66%
EPS CAGR
10 Years-
5 Years18.64%
3 Years43.22%
TTM103.61%
Return on Capital
10 Years3.22%
5 Years2.5%
3 Years1.73%
Last Year2.32%
ECBK Recent Earnings
ECB Bancorp, Inc. (ECBK) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 8, 2026Metric
Actual
Est
EPS
$0.38
—
Rev
$22M
—
Q2 2026
May 7, 2026Metric
Actual
Est
EPS
$0.39
—
Rev
$22M
—
Q2 2026
Apr 23, 2026Metric
Actual
Est
EPS
$0.39
—
Rev
$22M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.31
—
Rev
$21M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 8, 2026 | $0.38 | $22M |
| Q2 2026 | May 7, 2026 | $0.39 | $22M |
| Q2 2026 | Apr 23, 2026 | $0.39 | $22M |
| Q1 2026 | Feb 5, 2026 | $0.31 | $21M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for ECB Bancorp, Inc. (ECBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $19.97 | $174.82M | 21.24 | 16.46% | 9.78% | 4.57% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $32.32 | $718.22M | 23.09 | 6.24% | 33.81% | 24.82% | — | |
| $26.75 | $370.06M | 8.23 | -1.55% | 28.51% | 12.62% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $14.84 | $619.78M | 749.49 | -26.69% | 1.79% | 0.68% | — |
Compare ECBK vs Peers
ECB Bancorp, Inc. (ECBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ECBK SEC Filings & Documents
ECB Bancorp, Inc. (ECBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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ECBK Frequently Asked Questions
ECB Bancorp, Inc. (ECBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is ECB Bancorp, Inc. growing?
ECB Bancorp, Inc. (ECBK) grew revenue by 16.5% over the past year. This is strong growth.
Is ECBK profitable?
Yes, ECB Bancorp, Inc. (ECBK) is profitable, generating $9.6M in net income for fiscal year 2025 (9.8% net margin).
Dividend & Returns
What is ECBK's return on equity?
ECB Bancorp, Inc. (ECBK) has a return on equity (ROE) of 4.6%. This is below average, suggesting room for improvement.
Industry Metrics
What is ECB Bancorp, Inc.'s net interest margin?
ECB Bancorp, Inc. (ECBK) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.
What is ECB Bancorp, Inc.'s efficiency ratio?
ECB Bancorp, Inc. (ECBK) has an efficiency ratio of 26.8%. This is excellent, indicating strong cost control.