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Financial Services - Banks - Regional - NASDAQ - US
$ 15.31
1.26 %
$ 138 M
Market Cap
26.86
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one ECBK stock under the worst case scenario is HIDDEN Compared to the current market price of 15.3 USD, ECB Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one ECBK stock under the base case scenario is HIDDEN Compared to the current market price of 15.3 USD, ECB Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 22, 2025.

The intrinsic value of one ECBK stock under the best case scenario is HIDDEN Compared to the current market price of 15.3 USD, ECB Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ECBK

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$17.0$17.0$16.5$16.5$16.0$16.0$15.5$15.5$15.0$15.0$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
68.3 M REVENUE
22.29%
5.37 M OPERATING INCOME
-10.26%
3.99 M NET INCOME
-10.44%
6.3 M OPERATING CASH FLOW
-2.13%
-95.3 M INVESTING CASH FLOW
39.42%
128 M FINANCING CASH FLOW
-38.62%
17.9 M REVENUE
-1.36%
1.72 M OPERATING INCOME
-11.24%
1.3 M NET INCOME
-10.30%
-631 K OPERATING CASH FLOW
-14.09%
-46.3 M INVESTING CASH FLOW
-134.11%
37.4 M FINANCING CASH FLOW
-29.78%
Balance Sheet ECB Bancorp, Inc.
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Current Assets 176 M
Cash & Short-Term Investments 172 M
Receivables 4.02 M
Other Current Assets 0
Non-Current Assets 1.24 B
Long-Term Investments 1.2 B
PP&E 3.51 M
Other Non-Current Assets 36.7 M
12.15 %84.73 %Total Assets$1.4b
Current Liabilities 999 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 999 M
Non-Current Liabilities 251 M
Long-Term Debt 234 M
Other Non-Current Liabilities 17.4 M
79.89 %18.72 %Total Liabilities$1.2b
EFFICIENCY
Earnings Waterfall ECB Bancorp, Inc.
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Revenue 68.3 M
Cost Of Revenue 42.2 M
Gross Profit 26 M
Operating Expenses 20.7 M
Operating Income 5.37 M
Other Expenses 1.38 M
Net Income 3.99 M
70m70m60m60m50m50m40m40m30m30m20m20m10m10m0068m(42m)26m(21m)5m(1m)4mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
38.14% GROSS MARGIN
38.14%
7.87% OPERATING MARGIN
7.87%
5.85% NET MARGIN
5.85%
2.37% ROE
2.37%
0.28% ROA
0.28%
0.95% ROIC
0.95%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ECB Bancorp, Inc.
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8m8m7m7m6m6m5m5m4m4m3m3m2m2m1m1m0020212021Jul '21Jul '2120222022Jul '22Jul '2220232023Jul '23Jul '2320242024Jul '24Jul '2420252025
Net Income 3.99 M
Depreciation & Amortization 302 K
Capital Expenditures -60 K
Stock-Based Compensation 1.87 M
Change in Working Capital 274 K
Others 650 K
Free Cash Flow 6.24 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
5. COMPETITION
slide 2 of 5
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
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
166 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
201 K USD 2
9-12 MONTHS
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 - 2 years ago
8. Profile Summary

ECB Bancorp, Inc. ECBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 138 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 64
Officers Mr. Richard J. O'Neil Jr. Chief Executive Officer, President & Director Mr. John Migliozzi Executive Vice President & Chief Lending Officer Mr. John A. Citrano Secretary, Chief Operating Officer & Executive Vice President Mr. Brandon N. Lavertu Executive Vice President and Chief Financial Officer