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ECB Bancorp, Inc. logo

ECB Bancorp, Inc.

ECBK

NASDAQFinancial ServicesBanks - Regional

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Previous close

$20.62

+$0.08 · +0.39%

Aug 21, 4:00 PM ET

ECBK company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

69

Undervalued

Momentum

50

Neutral

Sentiment

59

Mixed

Risk resilience

74

Moderate Risk

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Company profile

Company website

ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options. Its lending portfolio encompasses diverse loans such as those for one-to-four family residential properties, commercial and multi-family real estate, construction and land development, general commercial purposes, and consumer needs, alongside home equity loans and lines of credit. Additionally, the company makes strategic investments in securities, primarily consisting of obligations issued by the U.S. government and federal agencies, mortgage-backed instruments, and corporate bonds. It conducts its operations through two full-service banking branches located in Everett and Lynnfield, Massachusetts. The company was founded in 1890 and maintains its headquarters in Everett, Massachusetts.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Richard J. O'Neil Jr.
Listed since
Jul 28, 2022
Employees
64

Market position

Day range

Current $20.62

52-week range

Current $20.62

Open
$20.295
Previous close
$20.54
Volume
4.7K
0.43× average
Average volume
11.04K
Average daily volume
Market cap
180.51M USD
Beta
0.45
Market reference 1
50-day average
$20.1762
+2.20% above average
200-day average
$18.2165
+13.19% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
330.76M USD
P/E (TTM)
14.52×
P/B (TTM)
0.92×
P/S (TTM)
2.09×
EV / EBITDA
30.98×
Earnings yield
5.52%
Free cash flow yield
6.39%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
44.11%
Operating margin
17.88%
Net margin
13.19%
Return on equity
4.52%
Return on assets
0.48%
Return on invested capital
1.64%

Financial health

Debt / equity
1.58×
Current ratio
0.1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%60%29%-2%Gross margin, FY2021: 82.87%Gross margin, FY2022: 72.33%Gross margin, FY2023: 44.85%Gross margin, FY2024: 38.14%Gross margin, FY2025: 39.88%Operating margin, FY2021: 23.19%Operating margin, FY2022: 11.44%Operating margin, FY2023: 10.72%Operating margin, FY2024: 7.87%Operating margin, FY2025: 13.05%Net margin, FY2021: 17.13%Net margin, FY2022: 8.90%Net margin, FY2023: 7.98%Net margin, FY2024: 5.85%Net margin, FY2025: 9.78%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 82.87%. Gross margin FY2022 72.33%. Gross margin FY2023 44.85%. Gross margin FY2024 38.14%. Gross margin FY2025 39.88%. Operating margin FY2021 23.19%. Operating margin FY2022 11.44%. Operating margin FY2023 10.72%. Operating margin FY2024 7.87%. Operating margin FY2025 13.05%. Net margin FY2021 17.13%. Net margin FY2022 8.90%. Net margin FY2023 7.98%. Net margin FY2024 5.85%. Net margin FY2025 9.78%.

Income trends

Revenue

79.51M USD+16.46%

Operating income

10.38M USD+93.24%

Net income

7.77M USD+94.74%
Income trends across reported periods87.18M USD56.47M USD25.76M USD−4.96M USDRevenue, FY2021: 23.6M USDRevenue, FY2022: 30.56M USDRevenue, FY2023: 55.83M USDRevenue, FY2024: 68.27M USDRevenue, FY2025: 79.51M USDOperating income, FY2021: 5.47M USDOperating income, FY2022: 3.5M USDOperating income, FY2023: 5.99M USDOperating income, FY2024: 5.37M USDOperating income, FY2025: 10.38M USDNet income, FY2021: 4.04M USDNet income, FY2022: 2.72M USDNet income, FY2023: 4.46M USDNet income, FY2024: 3.99M USDNet income, FY2025: 7.77M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 23.6M USD. Revenue FY2022 30.56M USD. Revenue FY2023 55.83M USD. Revenue FY2024 68.27M USD. Revenue FY2025 79.51M USD. Operating income FY2021 5.47M USD. Operating income FY2022 3.5M USD. Operating income FY2023 5.99M USD. Operating income FY2024 5.37M USD. Operating income FY2025 10.38M USD. Net income FY2021 4.04M USD. Net income FY2022 2.72M USD. Net income FY2023 4.46M USD. Net income FY2024 3.99M USD. Net income FY2025 7.77M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue79.51M USD68.27M USD55.83M USD30.56M USD23.6M USD
Cost of goods sold47.8M USD42.23M USD30.79M USD8.46M USD4.04M USD
Gross profit31.71M USD26.04M USD25.04M USD22.1M USD19.56M USD
Selling, general, and administrative2.01M USD15.2M USD13.85M USD11.33M USD10.83M USD
Operating expenses21.33M USD20.67M USD19.05M USD18.61M USD14.09M USD
Interest income78.18M USD67.05M USD54.78M USD29.16M USD22.38M USD
Interest expense46.26M USD42.06M USD29.99M USD5.52M USD3.68M USD
Depreciation and amortization297K USD302K USD279K USD302K USD300K USD
Operating income10.38M USD5.37M USD5.99M USD3.5M USD5.47M USD
Net income7.77M USD3.99M USD4.46M USD2.72M USD4.04M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.39

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.430.330.220.12Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 24, 2024: actual 0.14, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 29, 2025: actual 0.173, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 0.16, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 0.17, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 22, 2025: actual 0.29, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 0.31, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 8, 2026: actual 0.38, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 0.39, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates23.34M21.08M18.82M16.56MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 24, 2024: actual 17.46M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 29, 2025: actual 18.14M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 24, 2025: actual 17.89M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 24, 2025: actual 19.46M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 22, 2025: actual 20.76M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 5, 2026: actual 21.4M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 8, 2026: actual 21.94M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 23, 2026: actual 22.44M USD, estimate —, surprise —, Comparison unavailable.

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ETFs holding ECBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
5.14M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
2.29M
Weight
0.00%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.65M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.44M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
853.85K
Weight
0.00%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
538.17K
Weight
0.04%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF logoGoldman Sachs ActiveBeta U.S. Small Cap Equity ETFGSSC
Market value
196.28K
Weight
0.02%
AUM
1.08B USD
Expense ratio
0.20%
Price / 1D
$91.32+0.82%
Vanguard Russell 2000 Value ETF logoVanguard Russell 2000 Value ETFVTWV
Market value
137.52K
Weight
0.01%
AUM
1.4B USD
Expense ratio
0.06%
Price / 1D
$198.38+0.34%

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