NASDAQ · Financial Statements

ECB Bancorp, Inc. (ECBK) Financial Statements

$21.66 NASDAQ: ECBK Market Cap $189.26M

ECB Bancorp, Inc. most recently reported annual revenue of $80.0M, net profit of $8.0M. Revenue grew at an average annual rate of 28.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

ECB Bancorp, Inc.: Revenue rose from $23.0M in 2020 to $80.0M in 2025, a change of +247.8% over 5 years; net profit was positive in all 6 reported years; operating margin moved from 28.7% to 13.1%, a shift of -15.6 percentage points; the most recent year shows net profit of $8.0M.

Income Statement — 6 Years (USD millions)

Metric202020212022202320242025
Revenue$23.0M$24.0M$31.0M$56.0M$68.0M$80.0M
Operating Expenses$16.0M$18.0M$27.0M$50.0M$63.0M$69.0M
Operating Profit$7.0M$5.0M$3.0M$6.0M$5.0M$10.0M
Operating Margin28.7%23.2%11.4%10.7%7.9%13.1%
Other Income$0$0$0$0$0$0
Interest$6.0M$4.0M$6.0M$30.0M$42.0M$46.0M
Depreciation$0$0$0$0$0$0
Profit Before Tax$7.0M$5.0M$3.0M$6.0M$5.0M$10.0M
Tax$25.6M$26.1M$22.2M$25.6M$25.7M$25.1M
Net Profit$5.0M$4.0M$3.0M$4.0M$4.0M$8.0M
EPS$0.40$0.33$0.32$0.52$0.48$0.94
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$14.0M$15.0M$16.0M$17.0M$17.0M$18.0M$18.0M$19.0M$21.0M$21.0M$22.0M$22.0M
Operating Expenses$13.0M$14.0M$15.0M$16.0M$16.0M$16.0M$16.0M$18.0M$18.0M$18.0M$18.0M$18.0M
Operating Profit$2.0M$1.0M$1.0M$1.0M$2.0M$2.0M$2.0M$2.0M$3.0M$3.0M$4.0M$4.0M
Operating Margin12.3%7.0%5.2%6.4%8.8%10.7%9.6%9.8%15.7%16.3%19.4%19.9%
Interest$8.0M$9.0M$10.0M$10.0M$11.0M$11.0M$11.0M$11.0M$12.0M$12.0M$12.0M$12.0M
Profit Before Tax$2.0M$1.0M$1.0M$1.0M$2.0M$2.0M$2.0M$2.0M$3.0M$3.0M$4.0M$4.0M
Tax$24.7M$25.2M$25.4M$25.6M$26.3M$25.4M$24.6M$24.8M$25.1M$25.6M$26.8M$27.0M
Net Profit$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$2.0M$3.0M$3.0M$3.0M
EPS$0.16$0.09$0.07$0.09$0.14$0.17$0.16$0.17$0.29$0.31$0.38$0.39

Over the 6 years reported for ECB Bancorp, Inc., borrowings increased from $18.0M in 2020 to $285.0M in 2025, cash stood at $95.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.10 times.

Balance Sheet — 6 Years (USD millions)

Metric202020212022202320242025
Total Assets$588.0M$666.0M$1.1B$1.3B$1.4B$1.6B
Current Assets$50.0M$59.0M$70.0M$128.0M$176.0M$109.0M
Cash$43.0M$53.0M$62.0M$119.0M$158.0M$95.0M
Inventory$0$0$0$0$0$0
Receivables$2.0M$1.0M$3.0M$4.0M$4.0M$5.0M
Fixed Assets$4.0M$4.0M$4.0M$4.0M$4.0M$3.0M
Capital Work in Progress$0$0$0$0$0$0
Investments$526.0M$589.0M$968.0M$1.1B$1.2B$1.5B
Other Assets$0$0$0$0$0$0
Total Liabilities$515.0M$589.0M$902.0M$1.1B$1.3B$1.4B
Current Liabilities$491.0M$572.0M$718.0M$868.0M$999.0M$1.1B
Borrowings$18.0M$9.0M$174.0M$234.0M$234.0M$285.0M
Other Liabilities$497.0M$580.0M$728.0M$881.0M$1.0B$1.1B
Equity$0$0$0$0$0$0
Reserves$73.0M$77.0M$163.0M$165.0M$168.0M$172.0M

For ECB Bancorp, Inc., operating cash flow was positive in 6 of 6 reported years; free cash flow in the latest year was $9.0M; free cash flow was positive in 6 of 6 years.

Cash Flow Statement — 6 Years (USD millions)

Metric202020212022202320242025
Operating Cash Flow$5.0M$6.0M$8.0M$6.0M$6.0M$9.0M
Investing Cash Flow$-56.0M$-68.0M$-390.0M$-158.0M$-95.0M$-260.0M
Financing Cash Flow$68.0M$80.0M$146.0M$148.0M$128.0M$129.0M
Net Cash Flow$13.0M$10.0M$9.0M$57.0M$39.0M$-71.0M
Free Cash Flow$5.0M$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—

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

What is ECB Bancorp, Inc.'s annual revenue?

ECB Bancorp, Inc. (ECBK) reported annual revenue of $80.0M in its most recent fiscal year.

What is ECB Bancorp, Inc.'s net profit?

ECB Bancorp, Inc. (ECBK) reported net profit of $8.0M in its most recent fiscal year.

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