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Ecb Bancorp(NASDAQ) ECBK

Current Price$19.93
Market Cap$174.73MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2022)+42%
5 YearN/A
1 Year+23%
1 Month-1%
Ecb Bancorp last closing stock price
MetricPriceDate
Last closeUSD 19.862026-07-22
Ecb Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.02%USD 20.272026-07-15
1 month-0.75%USD 20.012026-06-22
3 month+8.82%USD 18.252026-04-23
Year to date+14.2%USD 17.392025-12-31
1 year+23.35%USD 16.102025-07-22
3 year+53.12%USD 12.972023-07-21
Since inception+41.66%USD 14.092022-07-28

Ecb Bancorp Financials at a Glance

Market Cap

$174.73MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$83.56M

Net Income (TTM)

$9.60M

EPS (TTM)

$1.16

P/E Ratio

17.25

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$19.93

Volume

79

Open

$20.33

Previous Close

$19.93

Daily Range

$19.89 - $20.33

52-Week Range

$14.83 - $20.76

Estimated Earnings Date

Apr 23, 2026

ECBK News

No articles available.

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About Ecb Bancorp

ECB Bancorp helps people and businesses manage money and get loans. Its deposit accounts keep savings safe and accessible. Its loans help families buy homes and businesses grow.

Products and Services

  • Deposit Accounts: Savings, checking, and certificates of deposit for individuals and businesses (64.3% of deposits in certificates as of 2025).
  • Residential Real Estate Loans: Mortgages for one-to-four family homes, both owner-occupied and investment (34.2% of total loans).
  • Multifamily and Commercial Real Estate Loans: Financing for apartment buildings and business properties (30.8% and 24.3% of total loans).
  • Construction and Land Loans: Loans for building projects and land purchases (6.4% of total loans).
  • Home Equity and Consumer Loans: Borrowing against home value or for personal needs (3.6% and 0.1% of total loans).
  • Digital Banking and Cash Management: Online tools for managing accounts and business finances.

Growth and Expansion

  • Converted from mutual to stock company and completed IPO in 2022.
  • Opened new branch in Woburn, Massachusetts in 2023.
  • Filed application for Medford, Massachusetts branch in 2026.
  • Expanded commercial and multifamily lending since 2022 IPO.
  • Upgraded digital banking and cash management services in 2024-2025.

What Makes ECB Bancorp Stand Out

ECB Bancorp focuses on local markets with personalized service and quick decisions. It invests in technology to compete with larger banks. The company supports community organizations through a charitable foundation.

Five Things You Need to Know

  • Total revenue was $21 million in Q4 2025, up 18% year-over-year.
  • Net income reached $7.8 million in 2025, up 94.7% from 2024.
  • Total assets grew to $1.61 billion by December 2025, up 13.2% year-over-year.
  • Loan portfolio increased 20.7% year-over-year to $1.38 billion in 2025.
  • Certificates of deposit made up 64.3% of total deposits at year-end 2025.

Bottom Line

ECB Bancorp has grown by expanding lending, deposits, and digital services. Its focus on local markets and steady financial growth defines its business model.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

64

CEO

Richard J. O'Neil, Jr.

Website

investor.everettbank.com

Headquarters

Everett, MA 02149, US

ECBK Financials

Key Financial Metrics (TTM)

Gross Margin

41.63%

Operating Margin

15.46%

Net Income Margin

11.49%

Return on Equity

5.60%

Return on Capital

2.27%

Return on Assets

0.58%

Earnings Yield

5.80%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$174.73MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.75M

Volume

79

Avg. Volume

11.81K

Financials (TTM)

Gross Profit

$34.79M

Operating Income

$12.92M

EBITDA

$13.22M

Operating Cash Flow

$12.66M

Capital Expenditure

-$200.00K

Free Cash Flow

$12.46M

Cash & ST Invst.

$3.04M

Total Debt

$260.82M

Ecb Bancorp Performance Analysis

Ecb Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 30,558,00029.5%
20232023-12-31USD 55,828,00082.7%
20242024-12-31USD 68,271,00022.3%
20252025-12-31USD 79,506,00016.5%
Ecb Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-308.7%
Q32025-09-306.7%
Q42025-12-313.1%
Q12026-03-312.5%
Ecb Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.32-15.3%
20232023-12-31USD 0.5262.5%
20242024-12-31USD 0.48-8.5%
20252025-12-31USD 0.9495.5%
Ecb Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-306.3%
Q32025-09-3070.6%
Q42025-12-316.9%
Q12026-03-3122.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$21.94M

+22.6%

Gross Profit

$10.01M

+44.4%

Gross Margin

45.61%

N/A

Market Cap

$174.73MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.73M

N/A

Employees

64

N/A

Net Income

$3.12M

+140.7%

EBITDA

$4.34M

+141.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$3.04M

-98.2%

Total Debt

$260.82M

+11.5%

Accounts Receivable

$5.33M

+22.7%

Inventory

$0.00

N/A

Long Term Debt

$260.82M

+11.5%

Short Term Debt

$0.00

N/A

Return on Assets

0.58%

N/A

Return on Invested Capital

0.78%

N/A

Free Cash Flow

$2.81M

+532.4%

Operating Cash Flow

$2.81M

+545.3%

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Questions About ECBK

What is the current price of Ecb Bancorp?

Ecb Bancorp is trading at $19.93 per share.

What is the 52-week range for Ecb Bancorp?

Over the past 52 weeks, Ecb Bancorp has traded between $14.83 and $20.76.

How much debt does Ecb Bancorp have?

As of the most recent reporting period, Ecb Bancorp reported total debt of $260.82M.

How much cash does Ecb Bancorp have on hand?

Ecb Bancorp does not have cash on hand data available.

What is Ecb Bancorp’s dividend yield?

Ecb Bancorp does not currently have a dividend yield.

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