What is ECB Bancorp's earnings per share (EPS)?

ECB Bancorp (ECBK) reported diluted earnings per share of $0.94 for fiscal year 2025. This represents a 95.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

ECB Bancorp Financials

ECBK

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows ECB Bancorp (ECBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ECBK FY2025 2026-05-08

Balance-sheet expansion is being driven mainly by liability funding, while cash-backed earnings remain ahead of reported profit.

From FY2023 to FY2025, total assets increased by $325M while cumulative free cash flow was only $21.3M, so the company’s growth was not internally financed by routine cash generation. Because capex remained minimal, the widening balance sheet points to more funds being deployed through financial assets and liabilities rather than through heavy investment in hard assets.

The clearest operating signal is cash conversion: in each of the last three years, operating cash flow exceeded net income, ending FY2025 at $9.2M versus $7.8M. With capital spending staying tiny, most of that cash was not being consumed just to maintain the physical business base.

The balance sheet became more liability-funded, with debt-to-equity reaching 8.3x by FY2025 as equity rose far more slowly than assets. Buybacks also reduced the share count, so EPS of $0.94 reflects both stronger net income and a smaller denominator.

Financial Health Signals

Financial health score pending refresh

We are recalculating ECB Bancorp's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

ECB Bancorp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, ECB Bancorp generates $1.19 in operating cash flow ($9.2M OCF vs $7.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$598K

YoY+3.6%

ECB Bancorp generated $598K in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.

EBITDA

N/A

Net Income

$7.8M

YoY+94.7%

ECB Bancorp reported $7.8M in net income in fiscal year 2025. This represents an increase of 94.7% from the prior year.

EPS (Diluted)

$0.94

YoY+95.8%

ECB Bancorp earned $0.94 per diluted share (EPS) in fiscal year 2025. This represents an increase of 95.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$9.0M

YoY+46.0%

ECB Bancorp generated $9.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 46.0% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

YoY-3.3%

ECB Bancorp had 9M shares outstanding in fiscal year 2025. This represents a decrease of 3.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1299.7%

YoY+608.0pp

ECB Bancorp's net profit margin was 1299.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 608.0 percentage points from the prior year.

Return on Equity

4.5%

YoY+2.1pp

ECB Bancorp's ROE was 4.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$4.6M

YoY+69.4%

ECB Bancorp spent $4.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 69.4% from the prior year.

Capital Expenditures

$214K

YoY+256.7%

ECB Bancorp invested $214K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 256.7% from the prior year.

ECBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$598K+3.6%	$577K-98.9%	$54.8M+87.9%	$29.2M+30.3%	$22.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$13.2M+1.0%	$13.1M+11.8%	$11.7M+17.6%	$9.9M+3.4%	$9.6M
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$46.3M+10.0%	$42.1M+40.3%	$30.0M+443.7%	$5.5M+49.8%	$3.7M
Income Tax	$2.6M+88.9%	$1.4M-9.7%	$1.5M+97.0%	$776K-45.7%	$1.4M
Net Income	$7.8M+94.7%	$4.0M-10.4%	$4.5M+63.8%	$2.7M-32.7%	$4.0M
EPS (Diluted)	$0.94+95.8%	$0.48-7.7%	$0.52+62.5%	$0.32	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$155K	N/A	$20.4M+6.9%	$19.1M+13543.6%	$140K	N/A	$17.2M+4.7%	$16.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.5M	N/A	$3.4M+11.9%	$3.0M-7.6%	$3.3M	N/A	$3.2M+2.3%	$3.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.8M	N/A	$12.0M+4.5%	$11.4M+4.3%	$11.0M	N/A	$10.9M+4.7%	$10.4M
Income Tax	$1.1M	N/A	$817K+72.0%	$475K+12.0%	$424K	N/A	$405K+48.9%	$272K
Net Income	$3.1M	N/A	$2.4M+69.4%	$1.4M+11.0%	$1.3M	N/A	$1.1M+43.2%	$791K
EPS (Diluted)	$0.38	N/A	$0.29+70.6%	$0.17+6.3%	$0.16	N/A	$0.14+55.6%	$0.09

ECBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$1.6B+13.2%	$1.4B+10.8%	$1.3B+20.3%	$1.1B+59.7%	$666.5M
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$157.6M	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.4B+14.7%	$1.2B+12.1%	$1.1B+23.7%	$901.7M+53.0%	$589.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$171.9M+2.2%	$168.3M+2.0%	$164.9M+1.3%	$162.7M+110.6%	$77.3M
Retained Earnings	$95.6M+8.8%	$87.8M+4.8%	$83.9M+4.7%	$80.1M+3.5%	$77.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.7B+2.8%	$1.6B+3.4%	$1.6B+2.5%	$1.5B+4.3%	$1.5B+2.4%	$1.4B+4.4%	$1.4B+1.6%	$1.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	N/A	$102.6M+4.0%	$98.7M	N/A	$157.6M	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.5B+2.8%	$1.4B+3.6%	$1.4B+2.7%	$1.3B+4.9%	$1.3B+2.7%	$1.2B+4.9%	$1.2B+1.9%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$175.9M+2.3%	$171.9M+1.6%	$169.3M+0.6%	$168.3M-0.2%	$168.6M+0.2%	$168.3M+1.3%	$166.0M-0.2%	$166.5M
Retained Earnings	$98.7M+3.3%	$95.6M+2.8%	$93.0M+2.7%	$90.6M+1.6%	$89.1M+1.5%	$87.8M+1.7%	$86.4M+1.3%	$85.3M

ECBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$9.2M+48.0%	$6.2M-3.2%	$6.4M-17.2%	$7.8M+20.5%	$6.4M
Capital Expenditures	$214K+256.7%	$60K-82.1%	$335K+55.1%	$216K+107.7%	$104K
Free Cash Flow	$9.0M+46.0%	$6.2M+1.1%	$6.1M-19.3%	$7.6M+19.1%	$6.3M
Investing Cash Flow	-$259.9M-172.8%	-$95.3M+39.4%	-$157.3M+59.6%	-$389.3M-470.7%	-$68.2M
Financing Cash Flow	$180.0M+41.0%	$127.6M-38.6%	$207.8M-46.8%	$390.6M+447.6%	$71.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$4.6M+69.4%	$2.7M+22.3%	$2.2M	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$2.8M-28.5%	$3.9M-2.3%	$4.0M+112.4%	$1.9M+400.3%	-$631K-114.3%	$4.4M+412.2%	$861K-37.9%	$1.4M
Capital Expenditures	$4K-94.7%	$75K+5.6%	$71K+42.0%	$50K+177.8%	$18K	$0	$0-100.0%	$40K
Free Cash Flow	$2.8M-27.2%	$3.9M-2.5%	$4.0M+114.3%	$1.8M+384.3%	-$649K-114.7%	$4.4M+412.2%	$861K-36.0%	$1.3M
Investing Cash Flow	-$21.1M+68.8%	-$67.8M-97.9%	-$34.3M+69.3%	-$111.5M-140.9%	-$46.3M-134.1%	-$19.8M-45.8%	-$13.6M+58.8%	-$32.9M
Financing Cash Flow	$42.7M-11.4%	$48.2M+40.9%	$34.2M-43.2%	$60.2M+60.8%	$37.4M-29.9%	$53.4M+155.5%	$20.9M-31.8%	$30.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$350K-31.8%	$513K-73.9%	$2.0M+34.8%	$1.5M+116.6%	$673K-25.4%	$902K+36.0%	$663K+25.6%	$528K

ECBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	1299.7%+608.0pp	691.7%+683.6pp	8.1%-1.2pp	9.3%-8.7pp	18.1%
Return on Equity	4.5%+2.1pp	2.4%-0.3pp	2.7%+1.0pp	1.7%-3.6pp	5.2%
Return on Assets	0.5%+0.2pp	0.3%-0.1pp	0.4%+0.1pp	0.3%-0.4pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.34+0.9	7.43+0.7	6.76+1.2	5.54-2.1	7.63
FCF Margin	1506.0%+437.0pp	1069.0%+1057.8pp	11.1%-14.8pp	25.9%-2.5pp	28.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	2014.2%	N/A	11.9%+4.4pp	7.5%-918.9pp	926.4%	N/A	6.6%+1.8pp	4.8%
Return on Equity	1.8%	N/A	1.4%+0.6pp	0.9%+0.1pp	0.8%	N/A	0.7%+0.2pp	0.5%
Return on Assets	0.2%	N/A	0.2%+0.1pp	0.1%+0.0pp	0.1%	N/A	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.38+0.0	8.34+0.2	8.17+0.2	8.00+0.4	7.61+0.2	7.43+0.2	7.18+0.2	7.03
FCF Margin	1810.3%	N/A	19.4%+9.7pp	9.7%+473.2pp	-463.6%	N/A	5.0%-3.2pp	8.2%

Frequently Asked Questions

What is ECB Bancorp's annual revenue?

ECB Bancorp (ECBK) reported $598K in total revenue for fiscal year 2025. This represents a 3.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is ECB Bancorp's revenue growing?

ECB Bancorp (ECBK) revenue grew by 3.6% year-over-year, from $577K to $598K in fiscal year 2025.

Is ECB Bancorp profitable?

Yes, ECB Bancorp (ECBK) reported a net income of $7.8M in fiscal year 2025, with a net profit margin of 1299.7%.

What is ECB Bancorp's net profit margin?

ECB Bancorp (ECBK) had a net profit margin of 1299.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is ECB Bancorp's return on equity (ROE)?

ECB Bancorp (ECBK) has a return on equity of 4.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is ECB Bancorp's free cash flow?

ECB Bancorp (ECBK) generated $9.0M in free cash flow during fiscal year 2025. This represents a 46.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is ECB Bancorp's operating cash flow?

ECB Bancorp (ECBK) generated $9.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are ECB Bancorp's total assets?

ECB Bancorp (ECBK) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are ECB Bancorp's capital expenditures?

ECB Bancorp (ECBK) invested $214K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does ECB Bancorp buy back shares?

Yes, ECB Bancorp (ECBK) spent $4.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does ECB Bancorp have outstanding?

ECB Bancorp (ECBK) had 9M shares outstanding as of fiscal year 2025.

What is ECB Bancorp's debt-to-equity ratio?

ECB Bancorp (ECBK) had a debt-to-equity ratio of 8.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is ECB Bancorp's return on assets (ROA)?

ECB Bancorp (ECBK) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is ECB Bancorp's Piotroski F-Score?

ECB Bancorp (ECBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are ECB Bancorp's earnings high quality?

ECB Bancorp (ECBK) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.