$16.93
▲ +$0.04
(+0.24%)
Vol 12K
6
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$153.0M
P/E
23.1
ROE
3.9%
D/E
0.00
Beta
0.48
52W
$13–$18
Price Chart
Earnings
Beat rate: 0.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | — | $0.31 | — |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $6.6M | $7.1M | $6.9M | $8.0M | $8.8M | — |
| Net Income | $1.1M | $1.4M | $1.3M | $1.4M | $2.4M | — |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 3.2% | 2.8% | 3.2% | 3.2% | 3.2% | 3.9% |
| P/E (TTM) | 26.22 | 31.44 | 26.54 | 26.70 | 28.51 | 23.09 |
| Net Margin | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.4%
P/B
0.8
EPS (TTM)
$0.80
52W High
$17.75
52W Low
$12.56
$12.56
52-Week Range
$17.75
Financial Health
Free Cash Flow
$4.0M
Net Debt
$149.2M
Cash
$110.6M
Total Debt
$259.8M
As of Sep 30, 2025
How does ECBK compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
ECBK valuation vs Banking peers
P/E ratio
23.1
▲
84%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
—
▼
0%
below
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
0.8
▼
23%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
—
▼
0%
below
peers
(3.0%)
vs Peers
vs Industry
Strong yield
ECBK profitability vs Banking peers
ROE
3.9%
▼
56%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
—
▼
0%
below
peers
(28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.5%
▼
53%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
ECBK financial health vs Banking peers
D/E ratio
0.0
▼
100%
below
peers
(13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼
31%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
ECBK fundamentals radar
ECBK
Peer median
Industry
ECBK profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
ECBK vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
SULLIVAN MAURA ELLEN
Director · Feb 09
2200 shs
Last 90 days
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As of Dec 31, 2025
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