ECB Bancorp Inc. (ECBK)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$19.85

-0.11 (-0.55%)

Market Cap: $183.32M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 23, 2026Reported Jul 23	$0.39	N/A	-	N/A	Beat	-	-	+126.7%
Mar 31, 2026Mar 26 Reported May 8, 2026Reported May 8	$0.38	N/A	-	N/A	Beat	-	-	+144.5%
Dec 31, 2025Dec 25 Reported Feb 5, 2026Reported Feb 5	$0.31	N/A	-	N/A	Beat	-	-	+82.0%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.29	N/A	-	N/A	Beat	-	-	+117.1%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.17	N/A	-	N/A	Beat	-	-	+81.4%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.16	N/A	-	N/A	Beat	-	-	+109.7%
Dec 31, 2024Dec 24 Reported Mar 29, 2025Reported Mar 29	$0.17	N/A	-	N/A	Beat	-	-	+84.6%
Sep 30, 2024Sep 24 Reported Oct 24, 2024Reported Oct 24	$0.14	N/A	-	N/A	Beat	-	-	-14.1%
Jun 30, 2024Jun 24 Reported Aug 9, 2024Reported Aug 9	$0.09	N/A	-	N/A	Beat	-	-	-43.5%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.07	N/A	-	N/A	Beat	-	-	-32.6%
Dec 31, 2023Dec 23 Reported Mar 29, 2024Reported Mar 29	$0.09	N/A	-	N/A	Beat	-	-	-14.9%
Sep 30, 2023Sep 23 Reported Nov 9, 2023Reported Nov 9	$0.16	N/A	-	N/A	Beat	-	-	+231.7%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.17	N/A	-	N/A	Beat	-	-	+4.9%
Mar 31, 2023Mar 23 Reported May 12, 2023Reported May 12	$0.11	N/A	-	N/A	Beat	-	-	-75.6%
Dec 31, 2022Dec 22 Reported Mar 30, 2023Reported Mar 30	$0.11	N/A	-	N/A	Beat	-	-	-
Sep 30, 2022Sep 22 Reported Nov 10, 2022Reported Nov 10	$-0.12	N/A	-	N/A	Beat	-	-	-
Jun 30, 2022Jun 22 Reported Aug 12, 2022Reported Aug 12	$0.16	$0.00	-	N/A	Beat	-	-	-
Mar 31, 2022Mar 22 Reported Jun 24, 2022Reported Jun 24	$0.45	$0.00	-	N/A	Beat	-	-	-

Key Metrics

Valuation
P/E Ratio	14.39	EV/EBITDA	28.38x
Price/FCF	7.39x	FCF Yield	13.53%
Profitability
Profit Margin	29.90%	Operating Margin	45.80%
ROE	6.56%	ROIC	2.46%
Financial Health
Debt/Equity	1.58x	Interest Coverage	0.32x
Current Ratio	0.11x	Quick Ratio	0.11x
Trading Statistics
Beta	0.46	Avg Volume	9.80K
52-Week High	$21.78	52-Week Low	$14.83

Technical Indicators Dashboard

Moving Averages

SMA 10$20.60

SMA 20$20.65

SMA 50$20.70

SMA 200$18.89

EMA 10$20.46

EMA 20$20.59

EMA 50$20.54

EMA 200$19.15

MACD

Line: -0.11Signal: -0.02Hist: -0.09

ADX

ADX: 12.0+DI: 18.5-DI: 26.9

Aroon & PSAR

Aroon Up20.0

Aroon Down100.0

PSAR$21.39

Bollinger Bands

Upper Band$21.45

Lower Band$19.84

%B Position779%(Upper)

Band Width0.00

RSI (14-Day)

Neutral

40.0

Momentum Oscillators

Stoch %K22.1

Stoch %D39.6

Williams %R-87.3

ROC (10d)-2.5%

Momentum-0.51

CCI (20d)-195.7

MFI (14d)27.3

Volatility Measures

ATR (14d)$0.56(2.8%)

StdDev (20d)0.40

Hist Vol32.7%(Moderate)

Volume Flow

VWAP$19.86

OBV1.5M

AD Line239.8K

CMF (20d)0.139

Volume Metrics

Avg Vol (20d)10.0K

Vol Ratio1.9x(High)

VWMA (20d)$20.58

Pivot Points

R3$21.02

R2$20.69

R1$20.33

Pivot Point$20.00

S1$19.64

S2$19.31

S3$18.95

Advanced Oscillators

TSI-5.37

Ultimate Osc44.4

KST-9.78

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$22.44M	$21.94M	$21.40M	$20.76M	$19.46M	$17.89M	$18.14M	$17.46M	$16.68M	$16.00M	$15.16M	$14.49M
Cost of Revenue	$12.16M	$11.93M	$12.13M	$12.14M	$12.56M	$10.96M	$10.72M	$10.91M	$10.66M	$9.94M	$9.06M	$7.90M
Gross Profit	$10.28M	$10.01M	$9.27M	$8.61M	$6.89M	$6.93M	$7.42M	$6.55M	$6.01M	$6.06M	$6.09M	$6.59M

Operating Expenses	$5.81M	$5.75M	$5.78M	$5.36M	$4.98M	$5.21M	$5.48M	$5.01M	$4.95M	$5.23M	$5.04M	$4.81M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$4.75M	$447,000	$496,000	$3.81M	$264,000	$3.66M	$3.82M	$3.60M	$3.53M	$3.70M	$3.44M	$3.26M
Operating Income	$4.47M	$4.26M	$3.49M	$3.26M	$1.92M	$1.72M	$1.94M	$1.54M	$1.06M	$832,000	$1.05M	$1.78M

Interest Income	$22.14M	$21.61M	$21.04M	$20.42M	$19.10M	$17.62M	$17.81M	$17.16M	$16.39M	$15.69M	$14.90M	$14.17M
Interest Expense	$12.10M	$11.78M	$11.89M	$11.96M	$11.44M	$10.97M	$11.03M	$10.86M	$10.37M	$9.79M	$8.96M	$8.08M
Income Before Tax	$4.47M	$4.26M	$3.49M	$3.26M	$1.92M	$1.72M	$1.94M	$1.54M	$1.06M	$832,000	$1.05M	$1.78M
Income Tax Expense	$1.21M	$1.14M	$891,000	$817,000	$475,000	$424,000	$493,000	$405,000	$272,000	$211,000	$266,000	$440,000

Net Income	$3.26M	$3.12M	$2.60M	$2.44M	$1.44M	$1.30M	$1.45M	$1.13M	$791,000	$621,000	$789,000	$1.34M

EBITDA	$4.54M	$4.34M	$3.56M	$3.33M	$1.99M	$1.80M	$2.01M	$1.61M	$1.14M	$907,000	$1.13M	$1.85M
EBIT	$4.47M	$4.26M	$3.49M	$3.26M	$1.92M	$1.72M	$1.94M	$1.54M	$1.06M	$832,000	$1.05M	$1.78M

* Some calculated fields are derived from available data when not provided by source

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News

Responsive Playbooks and the ECBK Inflection

This article provides an AI-generated analysis of Ecb Bancorp Inc. (NASDAQ: ECBK), highlighting neutral near and mid-term readings but a long-term positive bias. It details resistance levels, an exceptional short setup...

Stock Traders Daily•Oct 7, 2026 10:41 AM ET10/7/26•Neutral

ECB Bancorp Inc (ECBK) Stock Down 3.4% -- Now Undervalued? GF Sc

ECB Bancorp Inc (ECBK) shares dropped 3.4% to $20.50, yet GuruFocus assesses it as undervalued with a GF Value™ of $21.99, indicating a 6.8% upside. Despite a strong GF Score™ of 78/100 and positive insider buying...

GuruFocus•Sep 29, 2026 8:24 PM ET9/29/26•Somewhat-Bullish

ECB Bancorp (ECBK) director discloses zero stock holding

ECB Bancorp, Inc. (ECBK) director Matthew J. Cushing reported a direct holding of 0 shares of Common Stock on September 16, 2026...

Stock Titan•Sep 23, 2026 8:50 PM ET9/23/26•Neutral

ECB appoints Matthew J. Cushing to board and Audit Committee

ECB Bancorp, Inc. (ECBK) has appointed Matthew J. Cushing to its board of directors and Audit Committee, effective September 16...

TradingView•Sep 22, 2026 4:16 PM ET9/22/26•Somewhat-Bullish

ECB Bancorp, Inc.(NasdaqCM: ECBK) dropped from S&P Global BMI Index

ECB Bancorp, Inc. (NasdaqCM: ECBK) has been removed from the S&P Global BMI Index. This news follows a prior announcement in September 2025 where the company was added to the same index. The company's stock changed by...

marketscreener.com•Sep 20, 2026 11:28 PM ET9/20/26•Somewhat-Bearish

ECBK Valuation and Fair Value

P/E: 14.4x
EV/EBITDA: 28.4x
P/FCF: 7.4x
P/B: 0.9x

See GNG's fair value

ECBK Profitability: Margins, ROIC and FCF

Gross margin: 44.1%
Operating margin: 45.8%
Net margin: 29.9%
ROIC: 2.5%
ROE: 6.6%
FCF margin: 25.9%
FCF yield: 13.5%

ECBK Competitors

Company	Ticker
SB Financial Group Inc	SBFG
Cantor Equity Partners, Inc. Class A Ordinary Shares	CEP
BV Financial, Inc. Common Stock	BVFL
Westwood Holdings Group Inc	WHG
United Security Bancshares	UBFO
Neostellar Capital Corp.	NSLR
Nabors Energy Transition Corp. II Unit	NETDU
Triplepoint Venture Growth BDC Corp	TPVG

Sector: Financial Services

ECBK Bull Case vs Bear Case

Bull case

ECBK converts 25.9% of revenue into free cash flow.
ECBK has a 29.9% net profit margin.
ECBK grew quarterly revenue 49.1% year over year.

Frequently Asked Questions About ECBK

Does ECBK pay dividends?

ECB Bancorp Inc. (ECBK) does not currently pay a regular dividend.

What is ECBK's P/E ratio?

ECB Bancorp Inc. has a price-to-earnings (P/E) ratio of 14.39.

What is ECBK's market cap?

ECB Bancorp Inc. (ECBK) has a market capitalization of $183.32M with a current stock price of $19.85.

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