ECBK - NASDAQ
ECB Bancorp, Inc.
$17.97
-0.83%ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. It operates through two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts. The company was founded in 1890 and is based in Everett, Massachusetts.
At a Glance
Live SnapshotECB Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
ECB Bancorp, Inc. Cash Flow Statement
ECBK • NASDAQ
| ECB Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||
7.8M | 4M | 4.5M | 2.7M | 4M | 4.9M | |
297K | 302K | 279K | 302K | 300K | 350K | |
-246K | -250K | -111K | -1.5M | -1.1M | -434K | |
1.8M | 1.9M | 738K | 559K | 0.0 | 0.0 | |
994K | 111K | 762K | 4.6M | 1.8M | -427K | |
(2.8M) | (1.6M) | (2.3M) | (2M) | (2.4M) | (2.2M) | |
-1.4M | 274K | 310K | 1.1M | 1.4M | 728K | |
9.2M | 6.3M | 6.4M | 7.8M | 6.4M | 5.1M | |
INVESTING ACTIVITIES | ||||||
-214K | -60K | -335K | -216K | -104K | -110K | |
-62.8M | -15.5M | -8.3M | -22.6M | -26.9M | -39.5M | |
49.9M | 17.7M | 8.9M | 10.4M | 14M | 24M | |
-246.9M | -97.4M | -157.5M | -376.9M | -55.2M | -40.1M | |
-259.9M | -95.3M | -157.3M | -389.3M | -68.2M | -55.7M | |
FINANCING ACTIVITIES | ||||||
-4.6M | -2.7M | -2.2M | 79.2M | 0.0 | 0.0 | |
50.8M | 0.0 | 60M | 165M | -9M | -4M | |
-4.6M | -2.7M | -2.2M | (0.0) | (0.0) | (0.0) | |
133.8M | 130.3M | 150.1M | 146.4M | 80.3M | 67.6M | |
180M | 127.6M | 207.8M | 390.6M | 71.3M | 63.6M | |
CASH FLOW SUMMARY | ||||||
-70.7M | 38.6M | 57M | 9.1M | 9.6M | 13M | |
157.6M | 119M | 62.1M | 53M | 43.4M | 30.4M | |
86.9M | 157.6M | 119M | 62.1M | 53M | 43.4M | |
9M | 6.2M | 6.1M | 7.6M | 6.3M | 5M |
SEC Filings
ECBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 10, 2026 | May 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 09, 2026 | January 09, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 22, 2025 | December 17, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 22, 2025 | October 22, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
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Statements
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Dividends
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Analyst Expectations
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