ECB Bancorp (ECBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ECBK SEC filings page.
ECB Bancorp, Inc. (ECBK) reported $38.8M in revenue over the twelve months to Jun 30, 2026, up 35.5% from the prior twelve months. This page shows its 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).
ECB Bancorp’s 2025 rebound converted into cash, but its expanding balance sheet remains funded predominantly by liabilities.
In FY2025, net income rose94.7% while operating cash flow rose48.0% , so the rebound was accompanied by cash generation rather than profit alone. Yet cash flow relative to net income eased from144.4% in FY2023 to118.6% , indicating that earnings remained cash-supported but with less conversion cushion.
From FY2023 to FY2025, assets grew
FY2025 capital expenditures were just
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of ECB Bancorp, Inc.'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, Inc. earned a return on assets of 0.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and ECB Bancorp, Inc. scores 15/100 among other banks.
ECB Bancorp, Inc. reported revenue of $33.2M in fiscal year 2025, against $26.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and ECB Bancorp, Inc. scores 73/100 among other banks.
ECB Bancorp, Inc. funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $171.9M of equity against $1.6B of assets. Capital ranks banks on that cushion, and ECB Bancorp, Inc. scores 45/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. ECB Bancorp, Inc. scores 28/100 on it among other banks.
Not available for ECB Bancorp, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
ECB Bancorp, Inc. reported net income of $7.8M in fiscal year 2025, against $4.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and ECB Bancorp, Inc. scores 32/100 among other banks.
ECB Bancorp, Inc. passes 6 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, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
ECB Bancorp, Inc. generated $10.3M in revenue in Q2 2026. This represents an increase of 29.0% from the same quarter a year earlier. Against the prior quarter it is up 1.8%.
ECB Bancorp, Inc. reported $3.3M in net income in Q2 2026. This represents an increase of 126.5% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.
ECB Bancorp, Inc. earned $0.39 per diluted share (EPS) in Q2 2026. This represents an increase of 129.4% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
ECB Bancorp, Inc. generated $11.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 538.4% from the same quarter a year earlier. Against the prior quarter it is up 319.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
ECB Bancorp, Inc.'s net profit margin was 31.5% in Q2 2026, showing the share of revenue converted to profit. This is up 13.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.
ECB Bancorp, Inc.'s quarterly ROE was 1.8% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.0 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
ECB Bancorp, Inc. spent $675K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 53.7% from the same quarter a year earlier. Against the prior quarter it is up 92.9%.
ECB Bancorp, Inc. invested $213K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 326.0% from the same quarter a year earlier. Against the prior quarter it is up 5225.0%.
Not reported for Q2 2026.
ECBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $10.3M+29.0% | $10.2M+46.9% | $9.5M+33.8% | $8.8M+33.4% | $8.0M+27.2% | $6.9M+11.4% | $7.1M+14.6% | $6.6M+2.9% |
| Interest Expense | $12.1M+5.8% | $11.8M+7.4% | $11.9M+7.8% | $12.0M+10.1% | $11.4M+10.3% | $11.0M+12.1% | $11.0M+23.1% | $10.9M+34.5% |
| Income Tax | $1.2M+153.7% | $1.1M+169.1% | $891K+81.1% | $817K+101.7% | $475K+74.6% | $424K+100.9% | $492K+84.3% | $405K-8.0% |
| Net Income | $3.3M+126.5% | $3.1M+140.7% | $2.6M+79.5% | $2.4M+115.3% | $1.4M+82.0% | $1.3M+108.9% | $1.4M+83.3% | $1.1M-15.5% |
| EPS (Basic) | $0.41+127.8% | $0.39+143.8% | $0.32+88.2% | $0.30+114.3% | $0.18+80.0% | $0.16+128.6% | $0.17+70.0% | $0.14-12.5% |
| EPS (Diluted) | $0.39+129.4% | $0.38+137.5% | $0.32+77.8% | $0.29+107.1% | $0.17+88.9% | $0.16+128.6% | $0.18+100.0% | $0.14-12.5% |
| Diluted Shares (Avg) | 8M-0.4% | 8M-0.5% | N/A | 8M-0.8% | 8M+0.3% | 8M-0.4% | N/A | 8M-1.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
ECBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.7B+10.3% | $1.7B+13.6% | $1.6B+13.2% | $1.6B+14.3% | $1.5B+13.4% | $1.5B+11.4% | $1.4B+10.8% | $1.4B+11.9% |
| Cash & Equivalents | N/A | N/A | N/A | $102.6M | $98.7M | N/A | $157.6M | N/A |
| Short-Term Investments | $121.0Mn/m | $108.2M-24.7% | $82.8Mn/m | $0-100.0% | $0-100.0% | $143.7M+30.9% | $0-100.0% | $114.8M+22.2% |
| Total Liabilities | $1.5B+10.8% | $1.5B+14.9% | $1.4B+14.7% | $1.4B+16.1% | $1.3B+15.2% | $1.3B+12.8% | $1.2B+12.1% | $1.2B+13.7% |
| Total Equity | $179.9M+6.9% | $175.9M+4.4% | $171.9M+2.2% | $169.3M+2.0% | $168.3M+1.1% | $168.6M+1.7% | $168.3M+2.0% | $166.0M+0.3% |
| Retained Earnings | $102.0M+12.6% | $98.7M+10.8% | $95.6M+8.8% | $93.0M+7.7% | $90.6M+6.2% | $89.1M+5.5% | $87.8M+4.8% | $86.4M+4.0% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
ECBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.0M+532.8% | $2.8Mn/m | $3.9M-10.9% | $4.0M+367.5% | $1.9M+36.7% | -$631Kn/m | $4.4M+67.6% | $861K+107.5% |
| Depreciation & Amortization | $75K0.0% | $75K0.0% | $73K-2.7% | $74K-2.6% | $75K-1.3% | $75K0.0% | $75K+1.4% | $76K+16.9% |
| Stock-Based Compensation | $335K+19.2% | $313K-2.8% | N/A | $315K-4.0% | $281K-13.5% | $322K+170.6% | N/A | $328K+1540.0% |
| Capital Expenditures | $213K+326.0% | $4K-77.8% | $75Kn/m | $71Kn/m | $50K+25.0% | $18K-10.0% | $0-100.0% | $0-100.0% |
| Free Cash Flow | $11.8M+538.4% | $2.8Mn/m | $3.9M-12.6% | $4.0M+359.2% | $1.8M+37.1% | -$649Kn/m | $4.4M+74.2% | $861K+209.7% |
| Investing Cash Flow | -$16.1Mn/m | -$21.1Mn/m | -$67.8Mn/m | -$34.3Mn/m | -$111.5Mn/m | -$46.3Mn/m | -$19.8Mn/m | -$13.6M-735.9% |
| Financing Cash Flow | $16.8M-72.0% | $42.7M+14.1% | $48.2M-9.7% | $34.2M+63.8% | $60.2M+96.6% | $37.4M+64.1% | $53.4M-16.7% | $20.9M+39.5% |
| Share Buybacks | $675K-53.7% | $350K-48.0% | $513K-43.1% | $2.0M+196.5% | $1.5M+176.1% | $673K+7.0% | $902K-44.8% | $663K |
Not reported in any period shown, so not listed: Dividends Paid.
ECBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.5%+13.6pp | 30.7%+12.0pp | 27.3%+6.9pp | 27.7%+10.5pp | 18.0%+5.4pp | 18.8%+8.8pp | 20.3%+7.6pp | 17.2%-3.8pp |
| Return on Equity | 1.8%+1.0pp | 1.8%+1.0pp | 1.5%+0.7pp | 1.4%+0.8pp | 0.9%+0.4pp | 0.8%+0.4pp | 0.9%+0.4pp | 0.7%-0.1pp |
| Return on Assets | 0.2%+0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp |
| Liabilities-to-Equity | 8.29+0.3x | 8.38+0.8x | 8.34+0.9x | 8.17+1.0x | 8.00+1.0x | 7.61+0.8x | 7.43+0.7x | 7.18+0.8x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.010.0x | 0.000.0x |
| FCF Margin | 113.9% | 27.6%+37.0pp | 40.5%-21.5pp | 45.0%+31.9pp | 23.0%+1.7pp | -9.4%-2.1pp | 62.1%+21.2pp | 13.1%+8.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| ECB Bancorp, Inc. ECBK | FY2025 | $33.2M | $7.8M | 23.4% | $188.3M | 39/100 |
| BV Financial, Inc. BVFL | FY2025 | $39.6M | $13.5M | 34.1% | $184.8M | 67/100 |
| Landmark Bancorp Inc LARK | FY2025 | $70.6M | $18.8M | 26.6% | $193.6M | 48/100 |
| SB Financial Group, Inc. SBFG | FY2025 | $65.6M | $14.0M | 21.3% | $179.4M | 46/100 |
| First Guaranty Bancshares Inc FGBI | FY2025 | $95.4M | -$56.0M | -58.7% | $196.0M | 7/100 |
| FB Bancorp, Inc. FBLA | FY2025 | $52.1M | $1.3M | 2.4% | $244.4M | 25/100 |
Where ECB Bancorp, Inc. Ranks
Frequently Asked Questions
ECB Bancorp, Inc. (ECBK) reported $33.2M in total revenue for fiscal year 2025. This represents a 26.8% 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.
ECB Bancorp, Inc. (ECBK) revenue grew by 26.8% year-over-year, from $26.2M to $33.2M in fiscal year 2025.
Yes, ECB Bancorp, Inc. (ECBK) reported a net income of $11.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $7.8M, with a net profit margin of 23.4%.
ECB Bancorp, Inc. (ECBK) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
ECB Bancorp, Inc. (ECBK) has a return on equity of 4.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
ECB Bancorp, Inc. (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.
ECB Bancorp, Inc. (ECBK) generated $9.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
ECB Bancorp, Inc. (ECBK) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.
ECB Bancorp, Inc. (ECBK) invested $214K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
ECB Bancorp, Inc. (ECBK) had a liabilities-to-equity ratio of 8.34 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
ECB Bancorp, Inc. (ECBK) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
ECB Bancorp, Inc. (ECBK) trades at 16.5x earnings, its market capitalization divided by $11.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $188.3M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
ECB Bancorp, Inc. (ECBK) trades at 4.9x sales, its market capitalization divided by $38.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $188.3M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
ECB Bancorp, Inc. (ECBK) has a Piotroski F-Score of 6 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.
ECB Bancorp, Inc. (ECBK) scores 39 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For ECB Bancorp, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.