ECBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

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Price $20.43
Market Cap (MRQ) $179M
P/E 21.7
EPS $0.94
Revenue $598.0K
ROE 4.6%
52W Range $15–$22

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10-Year Performance Revenue, net income, margins and EPS trends

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Revenue$598.0K
2024-12-31 → 2025-12-31
EPS$0.94
2022-12-31 → 2025-12-31
Free Cash Flow$9M
2022-12-31 → 2025-12-31
Net margin1299.7%
2022-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend ECBK 5Y avg Peer Median Verdict
P/E 21.75Y avg ≈30.9 ≈30.9 12.1 Overvalued
P/S 300.4 · 2.7 Overvalued
P/B (MRQ) 1.05Y avg ≈0.8 ≈0.8 1.0 Overvalued
Price / FCF (TTM) 8.05Y avg ≈19.3 ≈19.3 · ·
Price / Cash Flow (TTM) 7.95Y avg ≈18.8 ≈18.8 10.6 Overvalued
Price / Tangible Book 1.05Y avg ≈0.8 ≈0.8 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Next Report Oct 19, 2026
PeriodReportEPS ActualEPS EstSurprise
Dec. 31, 2025 $0.31 — —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 10
Metric Trend 20252024
Revenue $598.0K$577.0K
Interest Income $78M$67M
Pretax Income $10M$5M
Income Tax $3M$1M
Net Income $8M$4M
EPS (Basic) $0.96$0.48
EPS (Diluted) $0.94$0.48
Shares (Basic) 8,100,3288,257,014
Shares (Diluted) 8,311,9668,345,737
EBITDA $297.0K$302.0K
Balance Sheet 14
Metric Trend 20252024
Cash & Equivalents ·$158M
Short-term Investments $83M$152M
PP&E (Net) $3M$4M
PP&E (Gross) $8M$8M
Accum. Depreciation $5M$5M
Total Assets $1.61B$1.42B
Total Liabilities $1.43B$1.25B
Common Stock $88.0K$91.0K
Paid-in Capital $83M$86M
Retained Earnings $96M$88M
AOCI $-896.0K$382.0K
Stockholders' Equity $172M$168M
Liabilities + Equity $1.61B$1.42B
Shares Outstanding 8,792,7199,095,833
Cash Flow 13
Metric Trend 20252024
D&A $297.0K$302.0K
Stock-based Comp $1M$1M
Deferred Tax $-246.0K$-250.0K
Other Non-cash $164.0K$2M
Operating Cash Flow $9M$6M
CapEx $214.0K$60.0K
Investing Cash Flow $-260M$-95M
Stock Repurchased $5M$3M
Net Stock Activity $-5M$-3M
Financing Cash Flow $180M$128M
Net Change in Cash $-71M$39M
Taxes Paid ·$2M
Free Cash Flow $9M$6M
Profitability 5
Metric Trend 20252024
Net Margin 1299.7%15.2%
Pretax Margin 1735.6%20.5%
EBITDA Margin 49.7%1.1%
ROA 0.51%0.30%
ROE 4.6%2.4%
Efficiency 1
Metric Trend 20252024
Asset Turnover 0.00.0
Per Share 4
Metric Trend 20252024
Book Value / Share $19.55$18.50
Revenue / Share $0.07$3.14
Cash Flow / Share $1.11$0.75
EPS (TTM) $0.94$0.48
Growth Rates 5
Metric Trend 20252024
Revenue YoY 3.6%·
EPS YoY 95.8%-7.7%
EPS CAGR 3Y 43.2%·
Net Income YoY 94.7%-10.4%
Net Income CAGR 3Y 41.9%-0.42%
Valuation (TTM) 10
Metric Trend 20252024
Revenue TTM $598.0K$577.0K
Net Income TTM $8M$4M
Market Cap $153M$135M
P/E 18.530.9
P/S 255.7233.9
P/B 0.90.8
P / Tangible Book 0.90.8
P / Cash Flow 16.621.4
P / FCF 17.021.6
Earnings Yield 5.4%3.2%

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $598.0K $577.0K · · ·
Net Income $8M $4M $4M $3M $4M
Diluted EPS $0.94 $0.48 $0.52 $0.32 ·

Institutional owners (13F) 63 filers · $58.6M total · As of June 30, 2026

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Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 63
Value held $58.6M
New positions 7
Exited positions 4
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
7 (-4 vs prior Q) 4 (+2 vs prior Q) 23 (+9 vs prior Q) 13 (-8 vs prior Q) -65K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
ALLIANCEBERNSTEIN L.P. $12,621,614 754,430 21.52% Shares
BlackRock, Inc. $8,401,191 418,386 14.33% Shares
VANGUARD GROUP INC $8,300,438 477,311 14.15% Shares
VANGUARD CAPITAL MANAGEMENT LLC $6,785,875 337,942 11.57% Shares
GEODE CAPITAL MANAGEMENT, LLC $3,527,855 175,662 6.02% Shares
Sachetta, LLC $2,386,569 118,853 4.07% Shares
RENAISSANCE TECHNOLOGIES LLC $1,682,704 83,800 2.87% Shares
STATE STREET CORP $1,562,063 77,792 2.66% Shares
Oppenheimer & Close, LLC $1,225,021 61,007 2.09% Shares
NORTHERN TRUST CORP $1,148,816 57,212 1.96% Shares
MALTESE CAPITAL MANAGEMENT LLC $1,108,375 55,198 1.89% Shares
Minerva Advisors LLC $1,002,795 49,940 1.71% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $998,016 49,702 1.70% Shares
VANGUARD FIDUCIARY TRUST CO $983,057 48,957 1.68% Shares
MORGAN STANLEY $972,817 48,447 1.66% Shares
HighTower Advisors, LLC $863,540 43,005 1.47% Shares
Covalent Partners LLC $836,500 50,000 1.43% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $446,900 22,256 0.76% Shares
GRIMES & Co WEALTH MANAGEMENT, LLC $401,600 20,000 0.68% Shares
STILWELL VALUE LLC $401,600 20,000 0.68% Shares
Bank of New York Mellon Corp $359,613 17,909 0.61% Shares
Nuveen, LLC $339,312 16,898 0.58% Shares
AQR CAPITAL MANAGEMENT LLC $276,220 13,756 0.47% Shares
RAFFLES ASSOCIATES LP $266,160 13,255 0.45% Shares
Mariner, LLC $260,638 12,980 0.44% Shares
RHUMBLINE ADVISERS $203,887 10,154 0.35% Shares
CITADEL ADVISORS LLC $202,467 10,083 0.35% Shares
DEUTSCHE BANK AG\ $145,680 7,255 0.25% Shares
WELLS FARGO & COMPANY/MN $135,962 6,771 0.23% Shares
Russell Investments Group, Ltd. $113,773 5,666 0.19% Shares
Farther Finance Advisors, LLC $100,541 5,007 0.17% Shares
NEW YORK STATE COMMON RETIREMENT FUND $84,697 4,218 0.14% Shares
CITIGROUP INC $69,657 3,469 0.12% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $68,834 3,428 0.12% Shares
JPMORGAN CHASE & CO $62,467 3,114 0.11% Shares
BNP PARIBAS FINANCIAL MARKETS $46,164 2,299 0.08% Shares
Vanguard Global Advisers, LLC $45,762 2,279 0.08% Shares
UBS Group AG $37,369 1,861 0.06% Shares
Police & Firemen's Retirement System of New Jersey $37,007 1,843 0.06% Shares
Tower Research Capital LLC (TRC) $31,887 1,588 0.05% Shares
BARCLAYS PLC $28,775 1,433 0.05% Shares
Ameritas Investment Partners, Inc. $15,783 786 0.03% Shares
Legal & General Group Plc $13,956 695 0.02% Shares
ROYAL BANK OF CANADA $9,000 466 0.02% Shares
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC $6,173 369 0.01% Shares
Arax Advisory Partners $5,462 272 0.01% Shares
FMR LLC $4,438 221 0.01% Shares
CWM, LLC $4,433 265 0.01% Shares
Sterling Capital Management LLC $2,811 140 0.00% Shares
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $2,068 103 0.00% Shares

Show all 63 institutional owners →

Company insiders 11 insiders · 4 officers · 8 directors

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Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Richard J O'Neil Jr President and CEO Sept. 16, 2025 P 27,355 0 0 $0
Brandon Lavertu CFO April 30, 2026 P 32,423 4 0 $715
John A Citrano EVP and COO Feb. 13, 2025 P 62,375 0 0 $0
John Migliozzi EVP and CLO Oct. 31, 2023 A 83,945 0 0 $0
Maura Ellen Sullivan Director Feb. 9, 2026 P 5,700 14 0 $99,677
Joseph Sachetta Director Dec. 18, 2024 M 17,496 0 0 $0
Paul A Delroy Director May 6, 2024 S 11,664 0 0 $0
Elizabeth P Jones Director Sept. 8, 2023 A 11,664 0 0 $0
Susan Sgroi Director Sept. 8, 2023 A 36,664 0 0 $0
Dennis J Leonard Director Sept. 8, 2023 A 11,664 0 0 $0
Marjorie A White Director Sept. 8, 2023 A 11,664 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 13 ETFs

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Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.04% 25,691 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.01% 6,440 SH Aug. 19, 2026 Daily
RSSL · Global X Funds 0.00% 3,569 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 851 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.00% 111,357 SH Sept. 11, 2026 Daily
DFSU · Dimensional ETF Trust 0.00% 766 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 577 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 80,185 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 250,100 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.00% 42,642 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 620 SH Aug. 19, 2026 Daily
DFAC · Dimensional ETF Trust 0.00% 619 NS July 31, 2026 N-PORT
IWN · iShares Trust · 70,114 SH Sept. 11, 2026 Daily

Peer comparison (GICS sub-industry) Key metrics vs sector peers

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FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ECBK $153M 18.5 3.6% 1299.7% 4.6% ·
MNSB $153M 11.6 -1.6% 11.5% 7.2% 54.2%
HNVR $165M 23.1 7.1% 10.2% 3.8% ·
BVFL $161M 12.7 5.1% 34.1% 7.1% ·
COSO · 10.8 6.4% 1254.0% 10.6% ·
EBMT $158M 10.5 12.8% 16.2% 8.0% ·

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Source: SEC 10-Q filed Aug 7, 2026