ECBK ECB Bancorp, Inc. - Common Stock
$20.77
Price · Aug 14, 2026
Fundamentals as of Aug 7, 2026
52W Range
$15–$21
97% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
22.1
ROE
4.6%
Net Profit Margin
1299.7%
ECBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$20.77
Market Cap
$183M
P/E (TTM)
22.1
EPS (TTM)
$0.94
Revenue (TTM)
$598.0K
Div Yield
—
ROE
4.6%
Debt/Equity
—
52W Range
$15 – $21
ECBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$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
Margins
1299.7%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
ECBK
Peer Median
P/E (TTM)
22.1
15.2
P/S (TTM)
305.4
1.8
P/B
1.1
1.0
Price / FCF
20.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
ECBK
Peer Median
Net Profit Margin
1299.7%
20.6%
ROA
0.51%
0.77%
ROE
4.6%
7.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
ECBK
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
ECBK
Peer Median
Revenue YoY
3.6%
—
EPS YoY
95.8%
—
Net Income YoY
94.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
ECBK
Peer Median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| Dec. 31, 2025 | $0.31 | — | — |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ECBK | $153M | 18.5 | 3.6% | 1299.7% | 4.6% | — |
| BVFL | $161M | 12.7 | 5.1% | 34.1% | 7.1% | — |
| MNSB | $153M | 11.6 | -1.6% | 11.5% | 7.2% | 54.2% |
| COSO | — | 10.8 | 6.4% | 1254.0% | 10.6% | — |
| SBFG | — | 10.2 | 15.1% | 21.3% | 10.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| 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) | 8,100,328 | 8,257,014 | |
| Shares (Diluted) | 8,311,966 | 8,345,737 | |
| EBITDA | $297.0K | $302.0K |
Balance Sheet 14
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| 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 | 8,792,719 | 9,095,833 |
Cash Flow 13
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| 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 | 2025 | 2024 |
|---|---|---|---|
| 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 | 2025 | 2024 |
|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 |
Growth Rates 5
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| 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 | 2025 | 2024 |
|---|---|---|---|
| Revenue TTM | $598.0K | $577.0K | |
| Net Income TTM | $8M | $4M | |
| Market Cap | $153M | $135M | |
| P/E | 18.5 | 30.9 | |
| P/S | 255.7 | 233.9 | |
| P/B | 0.9 | 0.8 | |
| P / Tangible Book | 0.9 | 0.8 | |
| P / Cash Flow | 16.6 | 21.4 | |
| P / FCF | 17.0 | 21.6 | |
| Earnings Yield | 5.4% | 3.2% |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $152.0K | $155.0K | · | · | $154.0K | $140.0K | |
| Interest Income | $22M | $22M | $21M | $20M | $19M | $18M | |
| Pretax Income | $4M | $4M | $3M | $3M | $2M | $2M | |
| Income Tax | $1M | $1M | $891.0K | $817.0K | $475.0K | $424.0K | |
| Net Income | $3M | $3M | $3M | $2M | $1M | $1M | |
| EPS (Basic) | $0.41 | $0.39 | $0.32 | $0.30 | $0.18 | $0.16 | |
| EPS (Diluted) | $0.39 | $0.38 | $0.32 | $0.29 | $0.17 | $0.16 | |
| Shares (Basic) | 8,001,325 | 8,026,026 | -16,289,802 | 8,023,681 | 8,155,667 | 8,210,782 | |
| Shares (Diluted) | 8,336,695 | 8,299,710 | -16,676,130 | 8,274,506 | 8,369,819 | 8,343,771 | |
| EBITDA | · | $75.0K | · | · | · | $75.0K |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | $103M | $99M | · | |
| Short-term Investments | $121M | $108M | $83M | $99M | $92M | $144M | |
| PP&E (Net) | $3M | $3M | $3M | $3M | $3M | $3M | |
| PP&E (Gross) | · | · | $8M | · | · | · | |
| Accum. Depreciation | · | · | $5M | · | · | · | |
| Total Assets | $1.67B | $1.65B | $1.61B | $1.55B | $1.52B | $1.45B | |
| Total Liabilities | $1.49B | $1.47B | $1.43B | $1.38B | $1.35B | $1.28B | |
| Common Stock | $87.0K | $88.0K | $88.0K | $88.0K | $89.0K | $90.0K | |
| Paid-in Capital | $83M | $83M | $83M | $83M | $85M | $86M | |
| Retained Earnings | $102M | $99M | $96M | $93M | $91M | $89M | |
| AOCI | $712.0K | $-144.0K | $-896.0K | $-998.0K | $-1M | $-385.0K | |
| Stockholders' Equity | $180M | $176M | $172M | $169M | $168M | $169M | |
| Liabilities + Equity | $1.67B | $1.65B | $1.61B | $1.55B | $1.52B | $1.45B | |
| Shares Outstanding | 8,747,150 | 8,773,025 | 8,792,719 | 8,825,827 | 8,946,958 | 9,049,790 |
Cash Flow 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| D&A | $75.0K | $75.0K | $73.0K | $74.0K | $75.0K | $75.0K | |
| Stock-based Comp | $335.0K | $313.0K | $316.0K | $280.0K | $506.0K | $322.0K | |
| Deferred Tax | $-279.0K | $326.0K | $-94.0K | $-134.0K | $-312.0K | $294.0K | |
| Other Non-cash | · | $-1M | · | · | · | $-2M | |
| Operating Cash Flow | $12M | $3M | $4M | $4M | $2M | $-631.0K | |
| CapEx | $213.0K | $4.0K | $75.0K | $71.0K | $50.0K | $18.0K | |
| Investing Cash Flow | $-16M | $-21M | $-68M | $-34M | $-112M | $-46M | |
| Stock Repurchased | $675.0K | $350.0K | $513.0K | $2M | $1M | $673.0K | |
| Net Stock Activity | · | $-350.0K | · | · | · | $-673.0K | |
| Financing Cash Flow | $17M | $43M | $48M | $34M | $60M | $37M | |
| Net Change in Cash | $13M | $24M | $-16M | $4M | $-49M | $-10M | |
| Taxes Paid | · | · | · | $750.0K | $775.0K | $225.0K | |
| Free Cash Flow | · | $3M | · | · | · | $-649.0K |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| Net Margin | 2145.4% | 2014.2% | · | 27.7% | 18.0% | 18.8% | |
| Pretax Margin | 2938.2% | 2750.3% | · | 37.0% | 23.9% | 24.9% | |
| EBITDA Margin | · | 48.4% | · | · | · | 1.1% | |
| ROA | 0.20% | 0.20% | · | 0.17% | 0.10% | 0.09% | |
| ROE | 1.9% | 1.8% | · | 1.5% | 0.86% | 0.78% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Valuation (TTM) 8
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|---|
| Net Income TTM | $10M | $8M | · | $6M | $5M | $4M | |
| Market Cap | $176M | $147M | · | $140M | $138M | $137M | |
| P/E | 16.3 | 16.7 | · | 20.9 | 27.6 | 32.9 | |
| P/B | 1.0 | 0.8 | · | 0.8 | 0.8 | 0.8 | |
| P / Tangible Book | 1.0 | 0.8 | · | 0.8 | 0.8 | 0.8 | |
| P / Cash Flow | · | 52.2 | · | · | · | -217.3 | |
| P / FCF | · | 52.3 | · | · | · | -211.3 | |
| Earnings Yield | 6.1% | 6.0% | · | 4.8% | 3.6% | 3.0% |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $598.0K | $577.0K | — | — | — |
| Net Income | $8M | $4M | $4M | $3M | $4M |
| Diluted EPS | $0.94 | $0.48 | $0.52 | $0.32 | — |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $9M | $6M | $6M | $8M | — |
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Institutional owners (13F) 65 filers · $38.0M total · As of June 30, 2026
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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 13 (+6 vs prior Q) | 4 (+2 vs prior Q) | 20 (+11 vs prior Q) | 11 (-11 vs prior Q) | +422K |
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 | 33.18% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $6,785,875 | 337,942 | 17.84% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $2,971,780 | 147,969 | 7.81% | Shares |
| Sachetta, LLC | $2,386,569 | 118,853 | 6.27% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,682,704 | 83,800 | 4.42% | Shares |
| STATE STREET CORP | $1,562,063 | 77,792 | 4.11% | Shares |
| Oppenheimer & Close, LLC | $1,225,021 | 61,007 | 3.22% | Shares |
| Minerva Advisors LLC | $1,002,795 | 49,940 | 2.64% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $998,016 | 49,702 | 2.62% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $983,057 | 48,957 | 2.58% | Shares |
| HighTower Advisors, LLC | $863,540 | 43,005 | 2.27% | Shares |
| Covalent Partners LLC | $836,500 | 50,000 | 2.20% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $544,268 | 27,105 | 1.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $446,900 | 22,256 | 1.17% | Shares |
| GRIMES & Co WEALTH MANAGEMENT, LLC | $401,600 | 20,000 | 1.06% | Shares |
| STILWELL VALUE LLC | $401,600 | 20,000 | 1.06% | Shares |
| RAFFLES ASSOCIATES LP | $266,160 | 13,255 | 0.70% | Shares |
| Mariner, LLC | $260,638 | 12,980 | 0.69% | Shares |
| MORGAN STANLEY | $215,238 | 10,719 | 0.57% | Shares |
| RHUMBLINE ADVISERS | $203,887 | 10,154 | 0.54% | Shares |
| CITADEL ADVISORS LLC | $202,467 | 10,083 | 0.53% | Shares |
| DEUTSCHE BANK AG\ | $145,680 | 7,255 | 0.38% | Shares |
| Nuveen, LLC | $139,576 | 6,951 | 0.37% | Shares |
| Bank of New York Mellon Corp | $121,384 | 6,045 | 0.32% | Shares |
| Farther Finance Advisors, LLC | $100,541 | 5,007 | 0.26% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $84,697 | 4,218 | 0.22% | Shares |
| Russell Investments Group, Ltd. | $70,039 | 3,488 | 0.18% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $68,834 | 3,428 | 0.18% | Shares |
| CITIGROUP INC | $61,023 | 3,039 | 0.16% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $46,164 | 2,299 | 0.12% | Shares |
| Vanguard Global Advisers, LLC | $45,762 | 2,279 | 0.12% | Shares |
| VANGUARD GROUP INC | $39,632 | 2,279 | 0.10% | Shares |
| Police & Firemen's Retirement System of New Jersey | $37,007 | 1,843 | 0.10% | Shares |
| Tower Research Capital LLC (TRC) | $31,887 | 1,588 | 0.08% | Shares |
| BARCLAYS PLC | $28,233 | 1,406 | 0.07% | Shares |
| BlackRock, Inc. | $22,630 | 1,127 | 0.06% | Shares |
| UBS Group AG | $21,747 | 1,083 | 0.06% | Shares |
| NORTHERN TRUST CORP | $19,939 | 993 | 0.05% | Shares |
| Ameritas Investment Partners, Inc. | $15,783 | 786 | 0.04% | Shares |
| Legal & General Group Plc | $13,956 | 695 | 0.04% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $9,498 | 473 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $6,792 | 406 | 0.02% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $6,173 | 369 | 0.02% | 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 |
| WELLS FARGO & COMPANY/MN | $4,237 | 211 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $4,000 | 201 | 0.01% | Shares |
| Sterling Capital Management LLC | $2,811 | 140 | 0.01% | Shares |
| American Capital Advisory, LLC | $2,008 | 100 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $1,946 | 97 | 0.01% | Shares |
| TD PRIVATE CLIENT WEALTH LLC | $743 | 37 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $723 | 36 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $622 | 31 | 0.00% | Shares |
| GAMMA Investing LLC | $602 | 30 | 0.00% | Shares |
| Cornerstone Planning Group LLC | $576 | 29 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $562 | 28 | 0.00% | Shares |
| Essential Partners LLC | $562 | 28 | 0.00% | Shares |
| Allworth Financial LP | $462 | 23 | 0.00% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $341 | 17 | 0.00% | Shares |
| IFP Advisors, Inc | $261 | 13 | 0.00% | Shares |
| True Wealth Design, LLC | $81 | 4 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $60 | 3 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $20 | 1 | 0.00% | Shares |
| Covestor Ltd | $1 | 49 | 0.00% | Shares |
ETF ownership Held by 17 ETFs
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% | 25,861 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.02% | 10,069 NS | May 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 6,440 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.01% | 69,844 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.00% | 3,410 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 353 NS | May 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.00% | 111,126 SH | Aug. 8, 2026 | Daily |
| UWM · ProShares Trust | 0.00% | 276 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 277 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 766 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 7 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 577 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 80,185 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 250,100 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.00% | 42,642 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 620 SH | Aug. 8, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 619 NS | April 30, 2026 | N-PORT |