ECB Bancorp, Inc. (ECBK) Income Statement
ECBK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsECBK revenue and net income
Where ECBK's revenue goes
2025Each bar shows an amount and its share of revenue. ECBK kept 9.8% of revenue as net income.
ECBK profit margins
ECBK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +16.5% | +37.5% | +28.4% | — |
| Gross profit | +21.8% | +12.8% | +13.5% | — |
| Operating income | +93.2% | +43.7% | +9.7% | — |
| Net income | +94.7% | +41.9% | +9.8% | — |
| EPS (diluted) | +95.8% | +16.1% | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ECBK quarterly EPS vs estimates
Next report: October 28, 2026.
ECBK income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Revenue | $79.5M | $68.3M | $55.8M | $30.6M | $23.6M | $22.8M |
| Cost of revenue | $47.8M | $42.2M | $30.8M | $8.5M | $4.0M | $5.9M |
| Gross profit | $31.7M | $26.0M | $25.0M | $22.1M | $19.6M | $16.8M |
| Sales, general & admin | $2.0M | $15.2M | $13.8M | $11.3M | $10.8M | $7.0M |
| Total operating expenses | $21.3M | $20.7M | $19.1M | $18.6M | $14.1M | $10.3M |
| Operating income | $10.4M | $5.4M | $6.0M | $3.5M | $5.5M | $6.5M |
| Interest income | $78.2M | $67.0M | $49.6M | $29.1M | $22.4M | $21.5M |
| Interest expense | $46.3M | $42.1M | $30.0M | $5.5M | $3.7M | $5.6M |
| Income before taxes | $10.4M | $5.4M | $6.0M | $3.5M | $5.5M | $6.5M |
| Income taxes | $2.6M | $1.4M | $1.5M | $776,000 | $1.4M | $1.7M |
| Net income | $7.8M | $4.0M | $4.5M | $2.7M | $4.0M | $4.9M |
| EBITDA | $10.7M | $5.7M | $6.3M | $3.8M | $5.8M | $6.9M |
| EPS (diluted) | $0.94 | $0.48 | $0.53 | $0.60 | $0.33 | — |
| Gross margin | 39.9% | 38.1% | 44.9% | 72.3% | 82.9% | 74.0% |
| Operating margin | 13.1% | 7.9% | 10.7% | 11.4% | 23.2% | 28.7% |
| Net margin | 9.8% | 5.8% | 8.0% | 8.9% | 17.1% | 21.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $22.4M | $21.9M | $21.4M | $20.8M | $19.5M | $17.9M | $18.1M | $17.5M | $16.7M | $16.0M | $15.2M | $14.5M |
| Cost of revenue | $12.2M | $11.9M | $12.1M | $12.1M | $12.6M | $11.0M | $10.7M | $10.9M | $10.7M | $9.9M | $9.1M | $7.9M |
| Gross profit | $10.3M | $10.0M | $9.3M | $8.6M | $6.9M | $6.9M | $7.4M | $6.5M | $6.0M | $6.1M | $6.1M | $6.6M |
| Sales, general & admin | $5.1M | $645,000 | $642,000 | $4.0M | $453,000 | $3.8M | $4.0M | $3.8M | $3.6M | $3.8M | $3.7M | $3.5M |
| Total operating expenses | $5.8M | $5.7M | $5.8M | $5.4M | $5.0M | $5.2M | $5.5M | $5.0M | $4.9M | $5.2M | $5.0M | $4.8M |
| Operating income | $4.5M | $4.3M | $3.5M | $3.3M | $1.9M | $1.7M | $1.9M | $1.5M | $1.1M | $832,000 | $1.1M | $1.8M |
| Interest income | $22.1M | $21.6M | $21.0M | $20.4M | $19.1M | $17.6M | $17.8M | $17.2M | $16.4M | $15.7M | $14.9M | $14.2M |
| Interest expense | $12.1M | $11.8M | $11.9M | $12.0M | $11.4M | $11.0M | $11.0M | $10.9M | $10.4M | $9.8M | $9.0M | $8.1M |
| Income before taxes | $4.5M | $4.3M | $3.5M | $3.3M | $1.9M | $1.7M | $1.9M | $1.5M | $1.1M | $832,000 | $1.1M | $1.8M |
| Income taxes | $1.2M | $1.1M | $891,000 | $817,000 | $475,000 | $424,000 | $493,000 | $405,000 | $272,000 | $211,000 | $266,000 | $440,000 |
| Net income | $3.3M | $3.1M | $2.6M | $2.4M | $1.4M | $1.3M | $1.4M | $1.1M | $791,000 | $621,000 | $789,000 | $1.3M |
| EBITDA | $4.5M | $4.3M | $3.6M | $3.3M | $2.0M | $1.8M | $2.0M | $1.6M | $1.1M | $907,000 | $1.1M | $1.8M |
| EPS (diluted) | $0.39 | $0.38 | $0.31 | $0.29 | $0.17 | $0.16 | $0.17 | $0.14 | $0.09 | $0.07 | $0.09 | $0.16 |
| Gross margin | 45.8% | 45.6% | 43.3% | 41.5% | 35.4% | 38.7% | 40.9% | 37.5% | 36.0% | 37.9% | 40.2% | 45.5% |
| Operating margin | 19.9% | 19.4% | 16.3% | 15.7% | 9.8% | 9.6% | 10.7% | 8.8% | 6.4% | 5.2% | 7.0% | 12.3% |
| Net margin | 14.5% | 14.2% | 12.1% | 11.7% | 7.4% | 7.2% | 8.0% | 6.5% | 4.7% | 3.9% | 5.2% | 9.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ECBK's financial statements (latest annual report filed March 25, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ECBK financial results
In fiscal year 2025 (ended December 31, 2025), ECB Bancorp reported revenue of $79.5 million, up 16.5% from the year before. It had net income of $7.8 million (up 94.7%), a net profit margin of 9.8%. Diluted earnings per share came to $0.94. Over five years revenue grew at an average rate of 28.4% a year.
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ECBK income statement FAQ
What is ECB Bancorp's annual revenue?
ECB Bancorp reported total revenue of $79.5 million for fiscal year 2025, which ended on December 31, 2025. That was up 16.5% from $68.3 million the previous year.
Is ECB Bancorp profitable?
Yes. ECB Bancorp reported net income of $7.8 million in fiscal 2025, a net profit margin of 9.8%; its operating margin was 13.1%.
What is ECB Bancorp's gross margin?
ECB Bancorp's gross margin was 39.9% in fiscal 2025: for every $100 of revenue, ECB Bancorp kept $40 after the direct cost of its products and services.
How fast is ECB Bancorp growing?
Revenue grew 28.4% a year on average over the last five fiscal years, from $22.8 million to $79.5 million.
What are ECB Bancorp's earnings per share?
ECB Bancorp earned $0.94 per diluted share in fiscal 2025, compared with $0.48 a year earlier.
When will ECB Bancorp report its next earnings?
ECB Bancorp is expected to report results for the quarter ending September 30, 2026 on October 28, 2026.
When does ECB Bancorp's fiscal year end?
ECB Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 25, 2026.