ECBK Stock Price, ECB Bancorp, Inc. Quote, Chart

Market Summary

USD12.60+0.01

Market Closed

0.08%

ECBK Stock Price

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ECBK RSI Chart

ECBK Valuation

Market Cap

116.1M

Price/Earnings (Trailing)

27.81

Price/Sales (Trailing)

1.99

EV/EBITDA

3.26

Price/Free Cashflow

27.33

ECBK Price/Sales (Trailing)

ECBK Profitability

EBT Margin

9.58%

Return on Equity

2.52%

Return on Assets

0.32%

Free Cashflow Yield

3.66%

ECBK Fundamentals

ECBK Revenue

Revenue (TTM)

58.4M

Rev. Growth (Yr)

30.11%

Rev. Growth (Qtr)

5.35%

ECBK Earnings

Earnings (TTM)

4.2M

Earnings Growth (Yr)

-31.08%

Earnings Growth (Qtr)

-21.29%

Breaking Down ECBK Revenue

Last 7 days

5.7%

Last 30 days

-1.9%

Last 90 days

-4.3%

How does ECBK drawdown profile look like?

ECBK Financial Health

ECBK Investor Care

Shares Dilution (1Y)

0.46%

Diluted EPS (TTM)

0.49

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	58.4M	0	0	0
2023	35.6M	43.2M	49.6M	54.8M
2022	22.6M	23.1M	25.4M	29.2M
2021	0	0	0	22.4M

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Tracking the Latest Insider Buys and Sells of ECB Bancorp, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Oct 31, 2023	citrano john a	acquired	-	-	37,444	evp, coo and cfo
Oct 31, 2023	migliozzi john	acquired	-	-	37,444	evp and clo
Oct 31, 2023	lavertu brandon	acquired	-	-	29,955	cao
Oct 31, 2023	o'neil richard j jr	acquired	-	-	67,399	president and ceo
Sep 08, 2023	jones elizabeth p	acquired	-	-	11,664	-
Sep 08, 2023	sachetta joseph	acquired	-	-	11,664	-
Sep 08, 2023	sgroi susan	acquired	-	-	11,664	-
Sep 08, 2023	leonard dennis j	acquired	-	-	11,664	-
Sep 08, 2023	white marjorie a	acquired	-	-	11,664	-
Sep 08, 2023	delroy paul a	acquired	-	-	11,664	-

Which funds bought or sold ECBK recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	STATE STREET CORP	unchanged	-	7,735	218,246	-%
May 15, 2024	MORGAN STANLEY	new	-	1,739	1,739	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	added	3,300	2,144	2,207	-%
May 15, 2024	BARCLAYS PLC	sold off	-100	-8,000	-	-%
May 15, 2024	Integrated Wealth Concepts LLC	unchanged	-	10,500	324,500	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-65.32	-9,204	5,140	-%
May 15, 2024	Mariner, LLC	unchanged	-	4,200	129,800	-%
May 15, 2024	RAFFLES ASSOCIATES LP	unchanged	-	21,204	655,308	0.76%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-28.47	-311,183	882,017	0.17%
May 15, 2024	Royal Bank of Canada	reduced	-8.31	-2,000	28,000	-%

Are Funds Buying or Selling ECBK?

Are funds buying ECBK calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own ECBK

No. of Funds

Unveiling ECB Bancorp, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	alliancebernstein l.p.	9.6%	902,963	SC 13G/A
Feb 13, 2024	ecb bancorp, inc. /md/	7.9%	732,635	SC 13G/A

Recent SEC filings of ECB Bancorp, Inc.

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 14, 2024	4	Insider Trading
May 13, 2024	4	Insider Trading
May 10, 2024	10-Q	Quarterly Report
Apr 26, 2024	DEFA14A	DEFA14A
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	ARS	ARS
Apr 25, 2024	8-K	Current Report
Mar 29, 2024	10-K	Annual Report

Peers (Alternatives to ECB Bancorp, Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

ECB Bancorp, Inc. News

Latest updates

ECB Bancorp, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)													(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1
Revenue	5.4%	15,694	14,897	14,166	13,651	12,062	9,688	7,761	6,096	5,610	5,901	5,478	5,578	5,419
EBITDA Margin	-8.8%	0.52*	0.57*	0.65*	0.68*	0.79*	0.94*	0.96*	1.11*	1.11*	1.09*	-	-	-
Interest Expenses	-0.6%	5,903	5,939	6,086	6,399	6,366	6,815	6,539	5,366	4,920	5,124	4,608	4,617	4,346
Income Taxes	-20.8%	211	267	440	503	319	382	-426	325	495	-30.00	472	516	471
Earnings Before Taxes	-21.2%	832	1,056	1,781	1,928	1,220	1,358	-1,461	1,721	1,878	-35.00	1,812	1,934	1,760
EBT Margin	-12.3%	0.10*	0.11*	0.13*	0.07*	0.08*	0.12*	0.08*	0.23*	0.25*	0.24*	-	-	-
Net Income	-21.3%	621	789	1,341	1,425	901	976	-1,035	1,396	1,383	-5.00	1,340	1,418	1,289
Net Income Margin	-12.1%	0.07*	0.08*	0.09*	0.05*	0.06*	0.09*	0.07*	0.18*	0.18*	0.18*	-	-	-
Free Cashflow	-117.7%	-449	2,532	278	1,889	1,400	2,991	3,052	684	827	1,543	865	1,918	2,019

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet										(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4
Assets	1.8%	1,303	1,280	1,214	1,197	1,157	1,064	874	782	689	666
Cash Equivalents	-100.0%	-	18.00	-	-	-	24.00	-	-	-	-
Net PPE	-1.5%	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00
Liabilities	2.0%	1,138	1,115	1,048	1,033	994	902	713	702	610	589
Shareholder's Equity	0.5%	166	165	166	165	163	163	161	80.00	79.00	77.00
Retained Earnings	0.7%	84.00	84.00	83.00	82.00	80.00	80.00	79.00	80.00	79.00	77.00
Additional Paid-In Capital	-0.3%	87.00	87.00	89.00	89.00	89.00	89.00	89.00	-	-	-
Shares Outstanding	-0.5%	9.00	9.00	9.00	9.00	9.00	9.00	8.00	-	-	-
Float	-	-	-	-	102	-	-	-	110	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)													(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1
Cashflow From Operations	-116.3%	-429	2,631	415	1,976	1,412	3,030	3,110	752	878	1,543	873	1,933	2,100
Share Based Compensation	222.7%	119	-97.00	20.00	112	139	344	-	-	-	-	-	-	-
Cashflow From Investing	35.5%	-29,042	-45,030	2,132	-27,973	-86,417	-164,118	-112,444	-89,677	-23,097	-28,753	-179	-22,307	-16,979
Cashflow From Financing	-64.4%	22,803	64,048	14,974	38,521	90,297	188,924	88,549	92,138	21,030	19,125	13,281	-2,974	41,901
Buy Backs	-	629	-	-	-	-	-	-	-	-	-	-	-	-

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ECBK Income Statement

2024-03-31

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Interest and fees on loans	$ 13,446	$ 10,927
Interest and dividends on securities	764	560
Other interest income	1,484	575
Total interest and dividend income	15,694	12,062
Interest expense:
Interest on deposits	7,524	3,917
Interest on Federal Home Loan Bank advances	2,267	1,779
Total interest expense	9,791	5,696
Net interest and dividend income	5,903	6,366
Provision for credit losses	147	879
Net interest and dividend income after provision for credit losses	5,756	5,487
Noninterest income:
Customer service fees	137	119
Income from bank-owned life insurance	117	98
Net gain on sales of loans	35	0
Other income	18	12
Total noninterest income	307	229
Noninterest expense:
Salaries and employee benefits	3,311	2,885
Director compensation	209	119
Occupancy and equipment expense	274	204
Data processing	311	242
Computer software and licensing	85	57
Advertising and promotions	131	168
Professional fees	360	364
Federal Deposit Insurance Corporation deposit insurance	179	125
Other expense	371	332
Total noninterest expense	5,231	4,496
Income before income tax expense	832	1,220
Income tax expense	211	319
Net income	$ 621	$ 901
Share data:
Weighted average shares outstanding, basic	8,299,775	8,481,042
Weighted average shares outstanding, diluted	8,375,335	8,481,042
Basic earnings per share	$ 0.07	$ 0.11
Diluted earnings per share	$ 0.07	$ 0.11

ECBK Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 2,572	$ 3,786
Short-term investments	109,796	115,250
Total cash and cash equivalents	112,368	119,036
Investments in available-for-sale securities (at fair value)	2,500	5,003
Investments in held-to-maturity securities, at cost (fair values of $70,662 at March 31,2024 (unaudited) and $70,590 at December 31, 2023)	77,315	76,979
Loans, net of allowance for credit losses of $8,670 at March 31, 2024 (unaudited) and $8,591 at December 31, 2023	1,070,951	1,039,789
Federal Home Loan Bank stock, at cost	9,777	9,892
Premises and equipment, net	3,699	3,754
Accrued interest receivable	4,051	3,766
Deferred tax asset, net	4,416	4,767
Bank-owned life insurance	14,590	14,472
Other assets	3,747	2,877
Total assets	1,303,414	1,280,335
Deposits:
Noninterest-bearing	76,534	78,342
Interest-bearing	825,112	789,872
Total deposits	901,646	868,214
Federal Home Loan Bank advances	224,000	234,000
Other liabilities	11,979	13,220
Total liabilities	1,137,625	1,115,434
Shareholders' Equity:
Preferred Stock, par value $0.01; Authorized: 1,000,000 shares; Issued and outstanding: 0 shares and 0 shares, respectively
Common Stock, par value $0.01; Authorized: 30,000,000 shares; Issued and outstanding: 9,243,578 shares and 9,291,810 shares, respectively	92	93
Additional paid-in capital	87,155	87,431
Retained earnings	84,475	83,854
Accumulated other comprehensive income	582	129
Unallocated common shares held by the Employee Stock Ownership Plan	(6,515)	(6,606)
Total shareholders' equity	165,789	164,901
Total liabilities and shareholders' equity	$ 1,303,414	$ 1,280,335

About ECB Bancorp, Inc.

ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is based in Everett, Massachusetts.

CEO	Mr. Richard J. O'Neil Jr.
WEBSITE	everettbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	66

ECB Bancorp, Inc. Frequently Asked Questions

What is the ticker symbol for ECB Bancorp, Inc.? What does ECBK stand for in stocks?

ECBK is the stock ticker symbol of ECB Bancorp, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of ECB Bancorp, Inc. (ECBK)?

As of Fri May 17 2024, market cap of ECB Bancorp, Inc. is 116.14 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of ECBK stock?

You can check ECBK's fair value in chart for subscribers.

What is the fair value of ECBK stock?

You can check ECBK's fair value in chart for subscribers. The fair value of ECB Bancorp, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of ECB Bancorp, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for ECBK so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is ECB Bancorp, Inc. a good stock to buy?

The fair value guage provides a quick view whether ECBK is over valued or under valued. Whether ECB Bancorp, Inc. is cheap or expensive depends on the assumptions which impact ECB Bancorp, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for ECBK.

What is ECB Bancorp, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, ECBK's PE ratio (Price to Earnings) is 27.81 and Price to Sales (PS) ratio is 1.99. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. ECBK PE ratio will change depending on the future growth rate expectations of investors.