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ECB Bancorp, Inc. ECBK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 15.0
1.28 %
$ 128 M
Market Cap
38.46
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one ECBK stock under the base case scenario is HIDDEN Compared to the current market price of 15 USD, ECB Bancorp, Inc. is HIDDEN

ECBK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ECBK

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FINANCIALS
25 M REVENUE
0.02%
Growth Rates
1Year 0.02%
3Years 13.48%
5Years 0.00%
7Years 0.00%
10Years 0.00%
5.98 M OPERATING INCOME
-32.68%
Growth Rates
1Year -32.68%
3Years -2.88%
5Years 0.00%
7Years 0.00%
10Years 0.00%
4.46 M NET INCOME
63.82%
Growth Rates
1Year 63.82%
3Years -2.85%
5Years 0.00%
7Years 0.00%
10Years 0.00%
6.43 M OPERATING CASH FLOW
-17.19%
Growth Rates
1Year -17.19%
3Years 8.22%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-157 M INVESTING CASH FLOW
59.60%
Growth Rates
1Year 59.60%
3Years -41.37%
5Years 0.00%
7Years 0.00%
10Years 0.00%
208 M FINANCING CASH FLOW
-46.80%
Growth Rates
1Year -46.80%
3Years 48.41%
5Years 0.00%
7Years 0.00%
10Years 0.00%
9.81 M REVENUE
-41.19%
Growth Rates
1Year 0.02%
3Years 13.48%
5Years 0.00%
7Years 0.00%
10Years 0.00%
864 K OPERATING INCOME
-31.28%
Growth Rates
1Year -32.68%
3Years -2.88%
5Years 0.00%
7Years 0.00%
10Years 0.00%
1.13 M NET INCOME
43.24%
Growth Rates
1Year 63.82%
3Years -2.85%
5Years 0.00%
7Years 0.00%
10Years 0.00%
291 K OPERATING CASH FLOW
-85.38%
Growth Rates
1Year -17.19%
3Years 8.22%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-13 M INVESTING CASH FLOW
61.25%
Growth Rates
1Year 59.60%
3Years -41.37%
5Years 0.00%
7Years 0.00%
10Years 0.00%
20.9 M FINANCING CASH FLOW
-31.76%
Growth Rates
1Year -46.80%
3Years 48.41%
5Years 0.00%
7Years 0.00%
10Years 0.00%
Balance Sheet Decomposition ECB Bancorp, Inc.
image
Current Assets 123 M
Cash & Short-Term Investments 119 M
Receivables 3.77 M
Other Current Assets 0
Non-Current Assets 8.52 M
Long-Term Investments 82 M
PP&E 5.05 M
Other Non-Current Assets -78.5 M
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.12 B
Long-Term Debt 205 M
Other Non-Current Liabilities 910 M
EFFICIENCY
Earnings Waterfall ECB Bancorp, Inc.
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Revenue 25 M
Cost Of Revenue 0
Gross Profit 25 M
Operating Expenses 25.8 M
Operating Income 5.98 M
Other Expenses 1.53 M
Net Income 4.46 M
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 0.00%
7Years 0.00%
10Years 0.00%
23.90% OPERATING MARGIN
23.90%
Averages
1Year 23.90%
3Years 28.96%
5Years 0.00%
7Years 0.00%
10Years 0.00%
17.80% NET MARGIN
17.80%
Averages
1Year 17.80%
3Years 16.32%
5Years 0.00%
7Years 0.00%
10Years 0.00%
2.70% ROE
2.70%
Averages
1Year 2.70%
3Years 3.20%
5Years 0.00%
7Years 0.00%
10Years 0.00%
0.35% ROA
0.35%
Averages
1Year 0.35%
3Years 0.40%
5Years 0.00%
7Years 0.00%
10Years 0.00%
1.21% ROIC
1.21%
Averages
1Year 1.21%
3Years 2.65%
5Years 0.00%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ECB Bancorp, Inc.
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Net Income 4.46 M
Depreciation & Amortization 279 K
Capital Expenditures -335 K
Stock-Based Compensation 738 K
Change in Working Capital 747 K
Others 1.07 M
Free Cash Flow 6.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets ECB Bancorp, Inc.
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ECBK has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

image
42.2 USD
OFED
Undervalued 212.50%

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts.

image
8.08 USD
CULL
Overvalued 16.77%

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations.

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9.74 USD
HFBL
Overvalued 20.62%

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

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7.59 USD
MGYR
Overvalued 41.05%

Community West Bancshares operates as the bank holding company for Community West Bank, N.A. that provides various financial products and services in California.

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26.3 USD
CWBC
Undervalued 28.52%

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services.

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19 USD
LSBK
Undervalued 40.60%

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras.

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155 USD
OVLY
Undervalued 419.32%
6. Ownership
Insider Ownership ECB Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
64.6 K USD 1
9-12 MONTHS
0 USD 0
Bought
201 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
133 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 month ago
Sep 19, 2024
Bought 42 K USD
Lavertu Brandon
CFO
+ 3000
 14 USD
1 month ago
Sep 19, 2024
Bought 12.6 K USD
Lavertu Brandon
CFO
+ 900
 13.98 USD
1 month ago
Sep 19, 2024
Bought 2.78 K USD
Lavertu Brandon
CFO
+ 200
 13.91 USD
1 month ago
Sep 19, 2024
Bought 3.39 K USD
Lavertu Brandon
CFO
+ 244
 13.89 USD
1 month ago
Sep 19, 2024
Bought 7.72 K USD
Lavertu Brandon
CFO
+ 556
 13.88 USD
1 month ago
Sep 19, 2024
Bought 1.39 K USD
Lavertu Brandon
CFO
+ 100
 13.87 USD
1 month ago
Sep 18, 2024
Bought 1.38 K USD
CITRANO John A
EVP and COO
+ 100
 13.85 USD
1 month ago
Sep 18, 2024
Bought 4.15 K USD
CITRANO John A
EVP and COO
+ 300
 13.82 USD
1 month ago
Sep 18, 2024
Bought 1.44 K USD
CITRANO John A
EVP and COO
+ 105
 13.76 USD
1 month ago
Sep 18, 2024
Bought 3.82 K USD
CITRANO John A
EVP and COO
+ 278
 13.75 USD
1 month ago
Sep 18, 2024
Bought 1.03 K USD
CITRANO John A
EVP and COO
+ 75
 13.74 USD
1 month ago
Sep 18, 2024
Bought 371 USD
CITRANO John A
EVP and COO
+ 27
 13.73 USD
1 month ago
Sep 18, 2024
Bought 2.4 K USD
CITRANO John A
EVP and COO
+ 175
 13.72 USD
1 month ago
Sep 18, 2024
Bought 6.16 K USD
CITRANO John A
EVP and COO
+ 449
 13.71 USD
1 month ago
Sep 18, 2024
Bought 6.73 K USD
CITRANO John A
EVP and COO
+ 491
 13.7 USD
1 month ago
Sep 18, 2024
Bought 7.51 K USD
CITRANO John A
EVP and COO
+ 550
 13.66 USD
1 month ago
Sep 18, 2024
Bought 2.73 K USD
CITRANO John A
EVP and COO
+ 200
 13.65 USD
1 month ago
Sep 18, 2024
Bought 1.36 K USD
CITRANO John A
EVP and COO
+ 100
 13.64 USD
1 month ago
Sep 18, 2024
Bought 7.34 K USD
CITRANO John A
EVP and COO
+ 544
 13.5 USD
1 month ago
Sep 18, 2024
Bought 3.25 K USD
CITRANO John A
EVP and COO
+ 241
 13.49 USD
1 month ago
Sep 18, 2024
Bought 4.11 K USD
CITRANO John A
EVP and COO
+ 305
 13.47 USD
1 month ago
Sep 18, 2024
Bought 2.81 K USD
CITRANO John A
EVP and COO
+ 210
 13.38 USD
1 month ago
Sep 18, 2024
Bought 6.68 K USD
CITRANO John A
EVP and COO
+ 500
 13.36 USD
2 months ago
Sep 17, 2024
Bought 24.9 K USD
CITRANO John A
EVP and COO
+ 1848
 13.5 USD
2 months ago
Sep 17, 2024
Bought 8.8 K USD
CITRANO John A
EVP and COO
+ 652
 13.49 USD
2 months ago
Sep 17, 2024
Bought 2.7 K USD
CITRANO John A
EVP and COO
+ 200
 13.48 USD
2 months ago
Sep 17, 2024
Bought 17.5 K USD
CITRANO John A
EVP and COO
+ 1300
 13.46 USD
2 months ago
Sep 17, 2024
Bought 6.72 K USD
CITRANO John A
EVP and COO
+ 500
 13.45 USD
2 months ago
Sep 17, 2024
Bought 4.03 K USD
CITRANO John A
EVP and COO
+ 300
 13.44 USD
2 months ago
Sep 17, 2024
Bought 2.68 K USD
CITRANO John A
EVP and COO
+ 200
 13.39 USD
6 months ago
May 15, 2024
Bought 2.49 K USD
CITRANO John A
EVP, COO and CFO
+ 200
 12.45 USD
6 months ago
May 15, 2024
Bought 2.44 K USD
CITRANO John A
EVP, COO and CFO
+ 199
 12.25 USD
6 months ago
May 14, 2024
Bought 1.07 K USD
CITRANO John A
EVP, COO and CFO
+ 88
 12.15 USD
6 months ago
May 14, 2024
Bought 12.2 K USD
CITRANO John A
EVP, COO and CFO
+ 1008
 12.11 USD
6 months ago
May 14, 2024
Bought 48.4 USD
CITRANO John A
EVP, COO and CFO
+ 4
 12.1 USD
6 months ago
May 14, 2024
Bought 2.41 K USD
CITRANO John A
EVP, COO and CFO
+ 200
 12.07 USD
6 months ago
May 14, 2024
Bought 1.21 K USD
CITRANO John A
EVP, COO and CFO
+ 100
 12.06 USD
6 months ago
May 03, 2024
Sell 9.69 K USD
Delory Paul A
Director
- 843
 11.5 USD
6 months ago
May 03, 2024
Sell 427 USD
Delory Paul A
Director
- 37
 11.55 USD
6 months ago
May 03, 2024
Sell 197 USD
Delory Paul A
Director
- 17
 11.575 USD
6 months ago
May 03, 2024
Sell 3.35 K USD
Delory Paul A
Director
- 289
 11.6 USD
6 months ago
May 03, 2024
Sell 23.2 USD
Delory Paul A
Director
- 2
 11.615 USD
6 months ago
May 03, 2024
Sell 291 USD
Delory Paul A
Director
- 25
 11.635 USD
6 months ago
May 03, 2024
Sell 4.47 K USD
Delory Paul A
Director
- 384
 11.65 USD
6 months ago
May 03, 2024
Sell 2.32 K USD
Delory Paul A
Director
- 200
 11.58 USD
6 months ago
May 03, 2024
Sell 36.9 K USD
Delory Paul A
Director
- 3210
 11.5 USD
6 months ago
May 03, 2024
Sell 518 USD
Delory Paul A
Director
- 45
 11.51 USD
6 months ago
May 06, 2024
Sell 1.02 K USD
Delory Paul A
Director
- 88
 11.55 USD
6 months ago
May 06, 2024
Sell 5.34 K USD
Delory Paul A
Director
- 460
 11.6 USD
6 months ago
May 13, 2024
Bought 14 K USD
CITRANO John A
EVP, COO and CFO
+ 1140
 12.29 USD
6 months ago
May 13, 2024
Bought 9.33 K USD
CITRANO John A
EVP, COO and CFO
+ 760
 12.28 USD
6 months ago
May 13, 2024
Bought 1.23 K USD
CITRANO John A
EVP, COO and CFO
+ 100
 12.27 USD
6 months ago
May 13, 2024
Bought 3.68 K USD
CITRANO John A
EVP, COO and CFO
+ 300
 12.25 USD
6 months ago
May 13, 2024
Bought 3.67 K USD
CITRANO John A
EVP, COO and CFO
+ 300
 12.24 USD
6 months ago
May 13, 2024
Bought 9.77 K USD
CITRANO John A
EVP, COO and CFO
+ 800
 12.21 USD
6 months ago
May 13, 2024
Bought 2.44 K USD
CITRANO John A
EVP, COO and CFO
+ 200
 12.2 USD
6 months ago
May 13, 2024
Bought 10.9 K USD
CITRANO John A
EVP, COO and CFO
+ 900
 12.14 USD
6 months ago
May 13, 2024
Bought 1.23 K USD
CITRANO John A
EVP, COO and CFO
+ 102
 12.04 USD
6 months ago
May 13, 2024
Bought 2.34 K USD
CITRANO John A
EVP, COO and CFO
+ 198
 11.81 USD
6 months ago
May 10, 2024
Bought 6.73 K USD
CITRANO John A
EVP, COO and CFO
+ 561
 11.99 USD
6 months ago
May 10, 2024
Bought 5.71 K USD
CITRANO John A
EVP, COO and CFO
+ 477
 11.98 USD
6 months ago
May 10, 2024
Bought 395 USD
CITRANO John A
EVP, COO and CFO
+ 33
 11.97 USD
6 months ago
May 10, 2024
Bought 107 USD
CITRANO John A
EVP, COO and CFO
+ 9
 11.93 USD
6 months ago
May 10, 2024
Bought 6.2 K USD
CITRANO John A
EVP, COO and CFO
+ 520
 11.92 USD
6 months ago
May 10, 2024
Bought 4.74 K USD
CITRANO John A
EVP, COO and CFO
+ 400
 11.85 USD
6 months ago
May 10, 2024
Bought 4.68 K USD
CITRANO John A
EVP, COO and CFO
+ 398
 11.75 USD
6 months ago
May 10, 2024
Bought 11.7 USD
CITRANO John A
EVP, COO and CFO
+ 1
 11.74 USD
6 months ago
May 10, 2024
Bought 702 USD
CITRANO John A
EVP, COO and CFO
+ 60
 11.7 USD
6 months ago
May 10, 2024
Bought 468 USD
CITRANO John A
EVP, COO and CFO
+ 40
 11.69 USD
6 months ago
May 10, 2024
Bought 1.17 K USD
CITRANO John A
EVP, COO and CFO
+ 100
 11.68 USD
6 months ago
May 10, 2024
Bought 3.51 K USD
CITRANO John A
EVP, COO and CFO
+ 301
 11.67 USD
6 months ago
May 10, 2024
Bought 222 USD
CITRANO John A
EVP, COO and CFO
+ 19
 11.66 USD
6 months ago
May 10, 2024
Bought 2.11 K USD
CITRANO John A
EVP, COO and CFO
+ 181
 11.65 USD
6 months ago
May 10, 2024
Bought 4.65 K USD
CITRANO John A
EVP, COO and CFO
+ 400
 11.63 USD
6 months ago
May 09, 2024
Bought 3.58 K USD
CITRANO John A
EVP, COO and CFO
+ 300
 11.95 USD
6 months ago
May 09, 2024
Bought 2.39 K USD
CITRANO John A
EVP, COO and CFO
+ 200
 11.94 USD
6 months ago
May 09, 2024
Bought 3.52 K USD
CITRANO John A
EVP, COO and CFO
+ 298
 11.8 USD
6 months ago
May 09, 2024
Bought 23.6 USD
CITRANO John A
EVP, COO and CFO
+ 2
 11.79 USD
6 months ago
May 09, 2024
Bought 1.17 K USD
CITRANO John A
EVP, COO and CFO
+ 100
 11.7 USD
6 months ago
May 09, 2024
Bought 11.7 USD
CITRANO John A
EVP, COO and CFO
+ 1
 11.69 USD
1 year ago
May 17, 2023
Bought 11 K USD
CITRANO John A
EVP, COO and CFO
+ 1000
 11.02 USD
1 year ago
May 18, 2023
Bought 5.5 K USD
CITRANO John A
EVP, COO and CFO
+ 500
 10.99 USD
1 year ago
May 18, 2023
Bought 5.49 K USD
CITRANO John A
EVP, COO and CFO
+ 500
 10.98 USD
1 year ago
May 18, 2023
Bought 14.8 K USD
CITRANO John A
EVP, COO and CFO
+ 1349
 10.97 USD
1 year ago
May 18, 2023
Bought 1.66 K USD
CITRANO John A
EVP, COO and CFO
+ 151
 10.9771 USD
1 year ago
May 16, 2023
Bought 110 K USD
O'Neil Richard J Jr
President and CEO
+ 10000
 11.05 USD
1 year ago
May 15, 2023
Bought 20.9 K USD
CITRANO John A
EVP, COO and CFO
+ 1900
 10.99 USD
1 year ago
May 15, 2023
Bought 9.3 K USD
CITRANO John A
EVP, COO and CFO
+ 846
 10.99 USD
1 year ago
May 15, 2023
Bought 4.38 K USD
CITRANO John A
EVP, COO and CFO
+ 400
 10.95 USD
1 year ago
May 15, 2023
Bought 2.19 K USD
CITRANO John A
EVP, COO and CFO
+ 200
 10.93 USD
1 year ago
May 15, 2023
Bought 10.9 K USD
CITRANO John A
EVP, COO and CFO
+ 1000
 10.91 USD
1 year ago
May 15, 2023
Bought 5.48 K USD
Migliozzi John
EVP and CLO
+ 501
 10.93 USD
1 year ago
May 15, 2023
Bought 44 K USD
Migliozzi John
EVP and CLO
+ 4000
 10.99 USD
1 year ago
May 15, 2023
Bought 21.9 K USD
Migliozzi John
EVP and CLO
+ 2000
 10.9299 USD
2 years ago
Sep 07, 2022
Bought 85.2 K USD
CITRANO John A
EVP, COO and CFO
+ 6000
 14.2 USD
2 years ago
Aug 16, 2022
Bought 39.4 K USD
O'Neil Richard J Jr
President and CEO
+ 2805
 14.04 USD
7. News
7 Banks to Dump Now Before They Go Bust in 2023 While Uncle Sam again got quickly in front of the collapse of First Republic (OTCMKTS: FRCB ) – the third bank failure of the year so far – investors might want to take heed of the worst bank stocks 2023. From there, they'll probably want to steer clear until circumstances substantively improve. investorplace.com - 1 year ago
8. Profile Summary

ECB Bancorp, Inc. ECBK

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 128 M
Dividend Yield 0.00%
Description 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.
Contact 419 Broadway, Everett, MA, 02149 https://www.everettbank.com
IPO Date July 28, 2022
Employees 68
Officers Mr. John A. Citrano Secretary, Chief Operating Officer & Executive Vice President Mr. Brandon N. Lavertu Senior Vice President, Chief Accounting Officer & Chief Financial Officer Mr. Richard J. O'Neil Jr. Chief Executive Officer, President & Director Mr. John Migliozzi Executive Vice President & Chief Lending Officer