ECB Bancorp Financials
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).
Liability-funded balance-sheet growth is driving the model, while asset-level profitability stays thin enough that leverage does the rest.
Over the recent span, assets increased by$325M while equity rose only$7M , so most growth was liability-funded rather than internally financed. Because ROA stayed below0.5% even as leverage increased, the larger balance sheet produced only modest incremental profit per dollar of assets.
Recent results show operating cash flow tracked net income closely, with the latest year producing
By the latest year, interest expense had reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of ECB Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
ECB Bancorp's revenue grew a modest 3.6% year-over-year to $598K. This slow but positive growth earns a score of 0/100.
ECB Bancorp has elevated debt relative to equity (D/E of 8.34), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
ECB Bancorp converts 1506.0% of revenue into free cash flow ($9.0M). This strong cash generation earns a score of 100/100.
ECB Bancorp generates a 4.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is up from 2.4% the prior year.
ECB Bancorp passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
ECB Bancorp generated $598K in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.
ECB Bancorp reported $7.8M in net income in fiscal year 2025. This represents an increase of 94.7% from the prior year.
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
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.
ECB Bancorp had 9M shares outstanding in fiscal year 2025. This represents a decrease of 3.3% from the prior year.
Margins & Returns
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.
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
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.
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 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $20.4M+6.9% | $19.1M+8.4% | $17.6M | N/A | $17.2M+4.7% | $16.4M+4.4% | $15.7M |
| 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 | N/A | $3.4M+11.9% | $3.0M-7.6% | $3.3M | N/A | $3.2M+2.3% | $3.1M-5.5% | $3.3M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | $12.0M+4.5% | $11.4M+4.3% | $11.0M | N/A | $10.9M+4.7% | $10.4M+5.9% | $9.8M |
| Income Tax | N/A | $817K+72.0% | $475K+12.0% | $424K | N/A | $405K+48.9% | $272K+28.9% | $211K |
| Net Income | N/A | $2.4M+69.4% | $1.4M+11.0% | $1.3M | N/A | $1.1M+43.2% | $791K+27.4% | $621K |
| EPS (Diluted) | N/A | $0.29+70.6% | $0.17+6.3% | $0.16 | N/A | $0.14+55.6% | $0.09+28.6% | $0.07 |
ECBK Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+2.5% | $1.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | $102.6M+4.0% | $98.7M | N/A | $157.6M | N/A | 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 | $1.4B+3.6% | $1.4B+2.7% | $1.3B+4.9% | $1.3B+2.7% | $1.2B+4.9% | $1.2B+1.9% | $1.2B+2.8% | $1.1B |
| 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 | $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+0.4% | $165.8M |
| Retained Earnings | $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+0.9% | $84.5M |
ECBK Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.9M-2.3% | $4.0M+112.4% | $1.9M+400.3% | -$631K-114.3% | $4.4M+412.2% | $861K-37.9% | $1.4M+423.1% | -$429K |
| Capital Expenditures | $75K+5.6% | $71K+42.0% | $50K+177.8% | $18K | $0 | $0-100.0% | $40K+100.0% | $20K |
| Free Cash Flow | $3.9M-2.5% | $4.0M+114.3% | $1.8M+384.3% | -$649K-114.7% | $4.4M+412.2% | $861K-36.0% | $1.3M+399.8% | -$449K |
| Investing Cash Flow | -$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-13.3% | -$29.0M |
| Financing Cash Flow | $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+34.2% | $22.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $513K-73.9% | $2.0M+34.8% | $1.5M+116.6% | $673K-25.4% | $902K+36.0% | $663K+25.6% | $528K-16.1% | $629K |
ECBK Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | N/A | 11.9%+4.4pp | 7.5%+0.2pp | 7.4% | N/A | 6.6%+1.8pp | 4.8%+0.9pp | 4.0% |
| Return on Equity | N/A | 1.4%+0.6pp | 0.9%+0.1pp | 0.8% | N/A | 0.7%+0.2pp | 0.5%+0.1pp | 0.4% |
| Return on Assets | N/A | 0.2%+0.1pp | 0.1%+0.0pp | 0.1% | N/A | 0.1%+0.0pp | 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 | 8.34+0.2 | 8.17+0.2 | 8.00+0.4 | 7.61+0.2 | 7.43+0.2 | 7.18+0.2 | 7.03+0.2 | 6.86 |
| FCF Margin | N/A | 19.4%+9.7pp | 9.7%+13.3pp | -3.7% | N/A | 5.0%-3.2pp | 8.2%+11.1pp | -2.9% |
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.
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 9, indicating neutral financial health. 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.
How financially healthy is ECB Bancorp?
ECB Bancorp (ECBK) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.