ECB Bancorp, Inc. (ECBK) Key Metrics
ECBK valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $171.7M
- Enterprise value
- $317.7M
- P/E (TTM)
- 14.2 10-yr median 27.5
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 4.5 10-yr median 1.9
- Price / book
- 1.0 10-yr median 0.8
- EV / EBITDA
- — 10-yr median 33.7
- Dividend yield
- —
- Beta
- 0.46
ECBK key metrics, 2020–2025
Fiscal year ended December 31, 2025 · U.S. dollarsECBK valuation Price multiples at each fiscal year-end price.
ECBK returns How much profit the business earns on the capital it uses.
ECBK per-share figures Results divided by the shares outstanding at year-end.
ECBK financial health Debt, liquidity and how easily interest is covered.
ECBK efficiency & capital use Working capital cycle and where the cash goes.
ECBK valuation history
ECBK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ECBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ECBK cash returned to shareholders
ECBK price vs earnings per share
ECBK key metrics
2020–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| Market capitalization | $144.5M | $123.9M | $107.1M | $135.7M | — | — |
| Enterprise value | $325.6M | $185.6M | $217.0M | $242.4M | — | — |
| P/E ratio | 18.6 | 31.0 | 24.0 | 49.9 | — | — |
| Price / sales | 1.8 | 1.8 | 1.9 | 4.4 | — | — |
| Price / book | 0.8 | 0.7 | 0.6 | 0.8 | — | — |
| Price / free cash flow | 16.0 | 19.9 | 17.6 | 18.0 | — | — |
| Price / operating cash flow | 15.7 | 19.7 | 16.6 | 17.5 | — | — |
| EV / sales | 4.1 | 2.7 | 3.9 | 7.9 | — | — |
| EV / EBITDA | 30.5 | 32.7 | 34.6 | 63.8 | — | — |
| EV / free cash flow | 36.1 | 29.8 | 35.6 | 32.1 | — | — |
| Earnings yield | 5.4% | 3.2% | 4.2% | 2.0% | — | — |
| Free cash flow yield | 6.2% | 5.0% | 5.7% | 5.6% | — | — |
| Shareholder yield (dividends + buybacks) | 3.2% | 2.2% | 2.1% | 0.0% | — | — |
| Share price at fiscal year-end | $17.39 | $14.84 | $12.56 | $16.05 | — | — |
| Per share | ||||||
| Revenue per share | $9.57 | $8.18 | $6.55 | $3.61 | $1.93 | $1.86 |
| Earnings per share | $0.94 | $0.48 | $0.52 | $0.32 | $0.33 | $0.40 |
| Operating cash flow per share | $1.11 | $0.75 | $0.75 | $0.92 | $0.53 | $0.42 |
| Free cash flow per share | $1.08 | $0.75 | $0.72 | $0.89 | $0.52 | $0.41 |
| Cash per share | $12.49 | $20.64 | $14.55 | $7.96 | $4.74 | $3.96 |
| Book value per share | $20.69 | $20.16 | $19.35 | $19.24 | $6.32 | $5.97 |
| Tangible book value per share | $20.69 | $20.16 | $19.35 | $19.24 | $6.32 | $5.97 |
| Capex per share | $0.03 | $0.01 | $0.04 | $0.03 | $0.01 | $0.01 |
| Debt per share | $34.27 | $28.04 | $27.45 | $20.58 | $0.74 | $1.47 |
| Shares outstanding | 8.3M | 8.3M | 8.5M | 8.5M | 12.2M | 12.2M |
| Change in shares outstanding | −0.4% | −2.1% | +0.8% | −30.9% | 0.0% | — |
| Returns & profitability | ||||||
| Return on equity (ROE) | 4.6% | 2.4% | 2.7% | 2.3% | 5.4% | 6.7% |
| Return on invested capital (ROIC) | 2.7% | 1.6% | 1.6% | 1.8% | 11.4% | 11.4% |
| Return on assets (ROA) | 0.5% | 0.3% | 0.4% | 0.3% | 0.6% | 0.8% |
| Return on tangible assets | 0.5% | 0.3% | 0.3% | 0.3% | 0.6% | 0.8% |
| Free cash flow margin | 11.3% | 9.1% | 10.9% | 24.7% | 26.9% | 21.8% |
| Income quality (OCF / net income) | 1.19 | 1.58 | 1.44 | 2.86 | 1.60 | 1.04 |
| Financial health | ||||||
| Total debt | $284.8M | $234.0M | $234.0M | $174.0M | $9.0M | $18.0M |
| Cash & short-term investments | $103.8M | $172.3M | $124.0M | $67.4M | $58.0M | $48.4M |
| Net debt | $181.0M | $61.7M | $110.0M | $106.6M | −$49.0M | −$30.4M |
| Debt / equity | 1.66 | 1.39 | 1.42 | 1.07 | 0.12 | 0.25 |
| Debt / assets | 0.18 | 0.17 | 0.18 | 0.16 | 0.01 | 0.03 |
| Net debt / EBITDA | 16.96 | 10.88 | 17.55 | 28.08 | −8.49 | −4.42 |
| Current ratio | 0.10 | 0.18 | 0.15 | 0.10 | 0.10 | 0.10 |
| Quick ratio | 0.10 | 0.18 | 0.15 | 0.19 | 0.20 | 0.19 |
| Interest coverage | 0.2 | 0.1 | 0.2 | 0.6 | 1.5 | 1.2 |
| Working capital | −$1.02B | −$822.2M | −$740.4M | −$648.2M | −$512.3M | −$441.1M |
| Invested capital | $352.9M | $230.0M | $274.9M | $269.4M | $28.3M | $42.6M |
| Tangible asset value | $171.9M | $168.3M | $164.9M | $162.7M | $77.3M | $73.0M |
| Net current asset value | −$1.32B | −$1.07B | −$987.6M | −$831.7M | −$529.8M | −$464.3M |
| Graham number | $20.86 | $14.73 | $15.09 | $11.80 | $6.85 | $7.31 |
| Graham net-net per share | −$159.53 | −$128.76 | −$115.98 | −$102.28 | −$45.56 | −$39.84 |
| Capital allocation | ||||||
| Share buybacks (net) | $4.6M | $2.7M | $2.2M | $0 | — | — |
| Dividends + buybacks / free cash flow | 51.2% | 43.6% | 36.5% | 0.0% | — | — |
| Capex / revenue | 0.3% | 0.1% | 0.6% | 0.7% | 0.4% | 0.5% |
| Capex / operating cash flow | 2.3% | 1.0% | 5.2% | 2.8% | 1.6% | 2.2% |
| Capex / depreciation | 0.72 | 0.20 | 1.20 | 0.72 | 0.35 | 0.31 |
| Stock-based compensation / revenue | 2.3% | 2.7% | 1.3% | 1.8% | 9.5% | 0.2% |
| SG&A / revenue | 2.5% | 22.3% | 24.8% | 37.1% | 45.9% | 30.9% |
| Efficiency | ||||||
| Days sales outstanding | 21.2 | 20.8 | 20.9 | 24.6 | 25.5 | 29.2 |
| Days of inventory on hand | — | — | -385.1 | -2,578.1 | -4,502.1 | -2,784.0 |
| Days payables outstanding | — | — | — | — | 48,013.1 | 30,246.3 |
| Cash conversion cycle (days) | — | — | — | — | -52,489.7 | -33,001.1 |
| Receivables turnover | 17.23 | 17.55 | 17.45 | 14.86 | 14.30 | 12.51 |
| Payables turnover | — | — | — | — | 0.01 | 0.01 |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Average receivables | $4.6M | $3.9M | $3.2M | $2.1M | $1.7M | $1.8M |
| Average payables | — | — | — | — | $531.6M | $491.4M |
| Average inventory | — | — | −$32.5M | −$59.7M | −$49.8M | −$45.2M |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from ECBK's annual financial statements (latest annual report filed March 25, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ECBK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), ECB Bancorp traded at 18.6 times earnings, against a 6-year median of 27.5. Based on the latest twelve months, the trailing P/E is 14.2. ECB Bancorp earned a return on equity of 4.6% and a return on invested capital of 2.7% in fiscal 2025. It ended the year with $284.8 million of debt and $103.8 million in cash and short-term investments, net debt of $181.0 million. It returned $4.6 million to shareholders: $0 in dividends and $4.6 million in share buybacks, 51% of free cash flow. The share count fell 32.1% from 12.2M to 8.3M over 5 years.
See the ECBK income statement, the ECBK chart for price history, or the ECBK stock overview for the latest quote and news.
ECBK key metrics FAQ
What is ECB Bancorp's P/E ratio?
ECB Bancorp's trailing P/E ratio is 14.2 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 18.6, compared with a 6-year median of 27.5.
What is ECB Bancorp's EV/EBITDA?
ECB Bancorp's enterprise value was 30.5 times EBITDA at the end of fiscal 2025 (enterprise value $325.6 million, EBITDA $10.7 million).
What is ECB Bancorp's return on equity?
ECB Bancorp's return on equity (ROE) was 4.6% in fiscal 2025: net income of $7.8 million on average shareholders' equity of $170.1 million.
What is ECB Bancorp's ROIC?
ECB Bancorp's return on invested capital was 2.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does ECB Bancorp have?
ECB Bancorp had total debt of $284.8 million at the end of fiscal 2025, a debt-to-equity ratio of 1.66 and $181.0 million of net debt (16.96 times EBITDA).
Does ECB Bancorp buy back its shares?
Yes. ECB Bancorp spent $4.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.4% over the year, to 8.3M..
What is ECB Bancorp's free cash flow yield?
ECB Bancorp generated $9.0 million of free cash flow in fiscal 2025, a free cash flow yield of 6.2% on its market value at year-end ($144.5 million).
What is ECB Bancorp's current ratio?
ECB Bancorp's current ratio was 0.10 at the end of fiscal 2025: current assets were 0.10 times current liabilities.