ECB Bancorp, Inc. (ECBK) P/E Ratio History
UndervaluedTrading at 21.2x vs 5Y avg 36.1x · 27th percentile · Below historical baseline · Data 2022–2026
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P/E Ratio Analysis
As of July 8, 2026, ECB Bancorp, Inc. (ECBK) trades at a price-to-earnings ratio of 21.2x, with a stock price of $19.97 and trailing twelve-month earnings per share of $1.16.
The current P/E is 41% below its 5-year average of 36.1x. Over the past five years, ECBK's P/E has ranged from a low of 14.5x to a high of 103.1x, placing the current valuation at the 27th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, ECBK trades at a 49% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 157.0x.
The PEG ratio of 1.14 (P/E divided by 96% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, ECBK trades roughly in line with the S&P 500 median P/E of 25.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ECBK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ECBK Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
ECBK P/E vs Peers
Community and retail regional banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 14.9 | 2.12 | +13% | |
| $718M | 23.1 | - | +32% | |
| $370M | 8.2Lowest | 0.24Best | -8% | |
| $171M | 13.7 | - | +210% | |
| $620M | 749.5 | - | -97% | |
| $1B | 16.2 | 5.83 | -29% | |
| $2B | 16.7 | 2.62 | +331%Best | |
| $265M | 14.9 | 10.01 | +96% | |
| $225M | 16.0 | 3.14 | +9% | |
| $22B | 56.8 | 2.33 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
ECBK Historical P/E Data (2022–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $16.73 | $1.15 | 14.5x | -60% |
| FY2025 Q4 | Dec 31 2025 | $17.39 | $0.93 | 18.7x | -48% |
| FY2025 Q3 | - | $15.87 | $0.79 | 20.1x | -44% |
| FY2025 Q2 | Jun 30 2025 | $15.44 | $0.64 | 24.1x | -33% |
| FY2025 Q1 | Mar 31 2025 | $15.15 | $0.56 | 26.8x | -26% |
| FY2024 Q4 | - | $14.84 | $0.48 | 31.0x | -14% |
| FY2024 Q3 | Sep 30 2024 | $14.32 | $0.40 | 35.6x | -1% |
| FY2024 Q2 | Jun 30 2024 | $12.48 | $0.42 | 29.5x | -18% |
| FY2024 Q1 | Mar 31 2024 | $12.98 | $0.50 | 26.1x | -28% |
| FY2023 Q4 | Dec 31 2023 | $12.56 | $0.53 | 23.5x | -35% |
| FY2023 Q3 | Sep 30 2023 | $10.98 | $0.55 | 20.0x | -45% |
| FY2023 Q2 | Jun 30 2023 | $13.08 | $0.27 | 48.4x | +34% |
| FY2023 Q1 | Mar 31 2023 | $13.88 | $0.25 | 55.5x | +54% |
| FY2022 Q4 | Dec 31 2022 | $16.05 | $0.25 | 64.2x | +78% |
| FY2022 Q3 | Sep 30 2022 | $14.39 | $0.14 | 103.1x | +186% |
Average P/E for displayed period: 36.1x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
4+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
ECBK — Frequently Asked Questions
Quick answers to the most common questions about buying ECBK stock.
What is ECBK's P/E ratio?
ECB Bancorp, Inc. (ECBK) trailing twelve-month P/E ratio is 21.2x, based on TTM diluted EPS of $1.16. The 5-year average P/E is 36.1x and the historical range spans 14.5x to 103.1x.
Is ECBK stock overvalued or undervalued?
ECBK trades at 21.2x P/E, below its 5-year average of 36.1x. At the 27th percentile of its historical range (14.5x–103.1x), the stock is priced at a discount to its own history.
Is ECBK stock expensive?
No, ECBK is not expensive on a historical basis. The current P/E of 21.2x is below the 5-year average of 36.1x and sits at the 27th percentile of its valuation range.
What is ECBK's historical P/E range?
Over the past 5 years, ECBK's P/E ratio has ranged from 14.5x to 103.1x, with a median of 26.8x and an average of 36.1x. The current P/E of 21.2x places the stock at the 27th percentile of this range. Full historical data spans 2022–2026.
How does ECBK's P/E compare to the S&P 500?
ECBK trades at 21.2x P/E versus the S&P 500 median of 25.9x. The 18% discount to the market suggests lower growth expectations or perceived higher risk.
How does ECBK's valuation compare to Financial Services peers?
ECB Bancorp, Inc. P/E of 21.2x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is ECBK's PEG ratio?
ECBK PEG ratio is 1.14, based on a P/E of 21.2x and EPS growth of 95.8%. A PEG between 1 and 2 suggests valuation aligns with growth expectations — typically considered fair.
What is ECBK's earnings yield?
ECBK earnings yield is 4.71%, the inverse of its 21.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.