ECB Bancorp, Inc. (ECBK) AI Stock Analysis
ECBK AI stock analysis summary
AI ResearchECB Bancorp, Inc. (ECBK) operates as the holding company for Everett Co-operative Bank, offering community banking and lending services in Massachusetts. For FY2025, the bank generated revenue of $79.5M, marking 16.5% growth, and net income of $7.8M. Over the trailing twelve months, diluted earnings per share reached $1.38 with a net profit margin of 29.9%.
- Market cap
- $171.7M
- Revenue (TTM)
- $38.2M
- P/E
- 14.2x
- 1Y return
- 32.5% S&P 500 16.8%
- Avg. target
- —
Bull case
- Quarterly revenue grew 49.1% year-over-year in the quarter ended June 30, 2026.
- Net income increased from $4.0M in FY2024 to $7.8M in FY2025.
- The stock posted a 1-year return of 32.5%, outperforming the S&P 500 return of 16.8%.
Bear case
- The trailing price-to-earnings multiple of 14.2x trades at a premium to the peer group median of 12.1x.
- Total debt of $285.0M exceeds cash and short-term investments of $124.0M, resulting in net debt of $161.0M.
- Gross margin decreased from 82.9% in FY2021 to 39.9% in FY2025.
What ECB Bancorp does
ECB Bancorp, Inc. operates as the holding company for Everett Co-operative Bank, serving individual and business customers through two full-service banking offices in Everett and Lynnfield, Massachusetts. The bank provides a variety of deposit accounts, such as certificates of deposit, IRAs, money market accounts, savings accounts, demand deposits, and checking accounts. It originates residential real estate loans, commercial real estate loans, multifamily loans, construction and land loans, commercial loans, consumer loans, and home equity lines of credit. Additionally, the institution invests in U.S. government obligations, agency debt, mortgage-backed securities, and corporate bonds.
Growth and profitability
Between FY2021 and FY2025, ECB Bancorp expanded annual revenue from $23.6M to $79.5M, delivering a 5-year compound annual growth rate of 28.4%. Gross margin moved from 82.9% in FY2021 to 39.9% in FY2025, while operating margin was 13.1% in FY2025. Annual net income reached $7.8M in FY2025 with an EPS of $0.94, up from $4.0M and an EPS of $0.48 in FY2024. Over the trailing twelve months ended June 30, 2026, revenue stood at $38.2M, with an operating margin of 45.8%. In the latest quarter ended June 30, 2026, quarterly revenue grew 49.1% year-over-year, and quarterly earnings grew 129.4%.
Balance sheet and cash flow
As of June 30, 2026, ECB Bancorp held $124.0M in cash and short-term investments against total debt of $285.0M, resulting in net debt of $161.0M. Total assets stood at $1.67B alongside shareholders' equity of $179.9M, yielding a debt-to-equity ratio of 1.58 and a current ratio of 0.11. For FY2025, the company generated $9.2M in operating cash flow and $9.0M in free cash flow. Capital expenditures totaled $214,000, while $4.6M was deployed toward share buybacks, contributing to a 31.9% reduction in share count over 5 years.
Valuation and performance
ECB Bancorp trades at a trailing price-to-earnings ratio of 14.2x, which is above the median of its US-listed Financial Services peers of 12.1x. Its price-to-sales ratio of 4.5x also trades above the peer group median of 3.2x, while its price-to-book ratio sits at 1.0x. The company's enterprise value is $317.7M compared to a market capitalization of $171.7M, giving an enterprise value-to-revenue multiple of 11.9x. Over the past year, the stock returned 32.5%, outpacing the S&P 500 return of 16.8%.
What analysts expect
Wall Street analyst consensus ratings and price targets are not published for ECB Bancorp. The company's next earnings report is scheduled for October 28, 2026. Over the trailing twelve months ended June 30, 2026, the company generated $1.38 in diluted earnings per share, with quarterly earnings increasing 129.4% year-over-year in the latest reported period.
Key risks and what to watch
- The debt-to-equity ratio stands at 1.58, reflecting reliance on leverage relative to $179.9M in shareholders' equity.
- The current ratio was 0.11 as of June 30, 2026, indicating tight short-term liquidity.
- Operating margin contracted from 23.2% in FY2021 to 13.1% in FY2025.
- Operations are concentrated in Massachusetts across two branch locations in Everett and Lynnfield.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this ECBK AI stock analysis
This page is an AI-written research summary of ECB Bancorp, Inc. (ECBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: ECBK income statement, ECBK balance sheet, ECBK key metrics, ECBK chart. See the ECBK stock overview for the latest quote and news.
ECBK AI stock analysis FAQ
What is ECB Bancorp's revenue and earnings growth?
In FY2025, ECB Bancorp reported revenue of $79.5M, a 16.5% increase over FY2024, while net income rose to $7.8M. For the quarter ended June 30, 2026, revenue increased 49.1% and earnings grew 129.4% year-over-year.
Does ECB Bancorp pay a dividend?
ECB Bancorp does not currently report a regular dividend payment. The company directed $4.6M to share buybacks during FY2025.
What are ECB Bancorp's key balance sheet figures?
As of June 30, 2026, the bank held $124.0M in cash and short-term investments, $285.0M in total debt, and $179.9M in shareholders' equity. Total assets stood at $1.67B.
When is ECB Bancorp's next earnings release?
ECB Bancorp's next earnings release date is scheduled for October 28, 2026.