NASDAQ · Banks - Regional

ECB Bancorp, Inc. (ECBK) Stock

$21.66 +1.55% NASDAQ: ECBK Financial Services

Valuation

MetricValue
Price$21.66
Market Cap$189.26M
P/E Ratio14.39
P/B Ratio0.91
P/S Ratio2.07
EPS (TTM)$0.94
52-Week High$21.78
52-Week Low$14.83
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.55%
ROA0.68%
ROCE3.23%
Gross Margin13.75%
Operating Margin12.50%
Net Margin13.19%
Debt/Equity1.48
Current Ratio0.10

Annual Financials (USD)

Metric20212022202320242025
Revenue$24.0M$31.0M$56.0M$68.0M$80.0M
Operating Profit$5.0M$3.0M$6.0M$5.0M$10.0M
Net Profit$4.0M$3.0M$4.0M$4.0M$8.0M
EPS$0.33$0.32$0.52$0.48$0.94
Op Margin23.2%11.4%10.7%7.9%13.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$666.0M$1.1B$1.3B$1.4B$1.6B
Total Liabilities$589.0M$902.0M$1.1B$1.3B$1.4B
Cash$53.0M$62.0M$119.0M$158.0M$95.0M
Borrowings$9.0M$174.0M$234.0M$234.0M$285.0M

Latest News

Here's Why ECB Bancorp (NASDAQ:ECBK) Has Caught The Eye Of Investors Simply Wall St. · May 13, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$6.0M$8.0M$6.0M$6.0M$9.0M
Investing Cash Flow$-68.0M$-390.0M$-158.0M$-95.0M$-260.0M
Financing Cash Flow$80.0M$146.0M$148.0M$128.0M$129.0M
Net Cash Flow$10.0M$9.0M$57.0M$39.0M$-71.0M
Free Cash Flow$6.0M$8.0M$6.0M$6.0M$9.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.12
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y23.83%
Return 3Y56.74%
Return 5Y—

Ownership

Insiders Held17.11%
Institutions Held30.65%
Institutions Float Held36.97%
Institutional HolderSharesReport Date
Alliancebernstein L.P.787,2792026-03-31
Blackrock Inc.394,6462026-03-31
Vanguard Capital Management LLC383,9222026-03-31
Geode Capital Management, LLC154,2472026-03-31
Sachetta, LLC 118,8532026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BFINBankFinancial Corporation $12.00 +0.00% 36.23 $149.53M 3.33%
CFBKCF Bankshares Inc. $34.48 -0.26% 12.04 $221.21M 1.05%
CZWICitizens Community Bancorp, Inc. $21.42 -0.37% 16.26 $206.71M 1.97%
FCAPFirst Capital, Inc. $63.35 -0.92% 11.37 $211.88M 2.03%
FNWDFinward Bancorp $43.56 +0.14% 18.51 $188.65M 1.13%

About ECB Bancorp, Inc.

ECB Bancorp, Inc. is led by CEO Richard J. O'Neil Jr., employs 64 people, headquartered in US, publicly traded since 2022.

ECB Bancorp, Inc. (ECBK) stock trades at $21.66 with a market capitalization of $189.26M. The stock is valued at a price-to-earnings (P/E) ratio of 14.39, price-to-book of 0.91, price-to-sales of 2.07. Over the past 52 weeks the stock has ranged between $14.83 and $21.78, and currently trades at or near its 52-week high.

On profitability, ECB Bancorp, Inc. generates a return on equity (ROE) of 6.55%, return on capital employed of 3.23%, an operating margin of 12.50%, a net profit margin of 13.19%.

ECB Bancorp, Inc. by the numbers, 2020–2025

Between 2020 and 2025 ECB Bancorp, Inc. reported revenue of $23.0M rising to $80.0M, a change of +247.8% across 6 years. Compounded, revenue has grown 28.3% a year over five years, 37.2% over three, 17.6% over the last twelve months. Net profit rose to $8.0M.

Operating margin went from 28.7% in 2020 to 13.1% in 2025, a fall of 15.6 percentage points. The most recent net margin is 13.19%. On a trailing twelve-month basis to Jun '26, revenue is $86.0M and net profit $11.0M.

Borrowings rose from $18.0M to $285.0M, cash from operations was $9.0M in the latest year, positive in 6 of the last 6.

Return on equity has averaged 3.3% over five years, and was 4.7% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

ECB Bancorp, Inc. (ECBK) — frequently asked questions

What is ECB Bancorp, Inc. (ECBK) stock price today?

ECB Bancorp, Inc. (ECBK) is currently trading at $21.66, up 1.55% today.

What is ECBK P/E ratio?

ECB Bancorp, Inc.'s P/E ratio is 14.39. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is ECBK return on equity (ROE)?

ECB Bancorp, Inc.'s return on equity (ROE) is 6.55%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is ECB Bancorp, Inc.'s market cap?

ECB Bancorp, Inc. has a market capitalization of $189.26M.

Does ECBK pay a dividend?

ECB Bancorp, Inc. is not currently showing a dividend yield in our data, which means no recent cash dividend was recorded for it.

How much debt does ECBK carry?

ECB Bancorp, Inc. has a debt-to-equity ratio of 1.48. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is ECBK's profit margin?

ECB Bancorp, Inc. reports a net profit margin of 13.19% — the share of revenue left after every cost, including tax and interest.

What sector is ECBK in?

ECB Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is ECBK listed on?

ECB Bancorp, Inc. trades on NASDAQ under the ticker ECBK.

What is ECBK's 52-week range?

Over the last year ECB Bancorp, Inc. has traded between $14.83 and $21.78.

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Screens ECBK currently matches

On the figures above, ECB Bancorp, Inc. passes the filters for 1 of our ready-made screens, among them Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.