ECB Bancorp, Inc. (ECBK) Stock

ECB Bancorp, Inc. (ECBK) is a Financials stock trading at $21.20 (as of 2026-09-02), with a market capitalization of $180.43M and a trailing P/E of 17.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

ECB Bancorp, Inc. is a holding company for Everett Co-operative Bank, which provides deposit products and loan services, including residential, commercial, multifamily, construction and land, and home equity loans and lines of credit. The bank also invests in securities such as U.S. government and federal agency obligations and mortgage-backed securities, serving customers through offices in Everett and Lynnfield, Massachusetts.

Understand ECB Bancorp, Inc.: how it makes money

ECB Bancorp operates Everett Co-operative Bank, a small New England community bank that earns interest income by lending to local homeowners and businesses while funding with retail deposits. Its book skews toward real estate, so earnings track regional property markets and the deposit-to-loan rate spread.

Every dollar of profit is the interest spread: what the bank pays on community deposits minus what it collects on a mostly real-estate loan book.

Business quality (Unprofitable): A 6.0% ROE and the 'Unprofitable' quality flag point to a low-growth, low-margin earning model typical of a small cooperative bank with limited scale.

Bull case

  • Balance sheet still compounding: Loan Growth of 3.0% and Deposit Growth of 3.9% show the bank is expanding both earning assets and its funding base in a mature local market, which compounds the income stream over time.
  • Diversified property loan mix: The portfolio spans residential real estate loans of $0.47B, multi-family of $0.43B, one-to-four-family of $0.40B, and commercial real estate of $0.34B, so no single property segment dominates credit risk.

Bear case

  • Tiny scale caps returns: With a total loan book under $1.7B and an Efficiency Ratio of 56.54%, fixed overheads consume a large slice of income, keeping ROE well below what larger regional banks deliver.
Valuation — source: SEC EDGAR (first-party)
Price$21.20
Market Cap$180.43M
P/E Ratio17.6
EV / EBITDA12.7
Price / Book1.00
Price / Sales4.53
FCF Yield5.0%
DCF Value (model)$12.74
DCF Upside vs Price-39.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$598000.00
Net Margin1299.7%
Revenue Growth (YoY)-99.2%
EPS Growth (YoY)127.8%
FCF Growth (YoY)538.4%
Valuation vs Sector & Industry
Stock P/E17.6
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector17.9%
vs Industry38.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderALLIANCEBERNSTEIN L.P. ($13.69M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEORichard J. O'Neil Jr.
Employees64
CountryUS
IPO Date2022-07-28

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ECBK earnings history · ECBK institutional & insider holders · ECBK KPIs & operating metrics · ECBK financials · ECBK investor presentations & press releases · ECBK SEC filings · ECBK peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.