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ECBK

ECB Bancorp, Inc.

ECBK

ECB Bancorp, Inc. • NASDAQ
$17.40 ▲ 0.17% (+0.03)
Market Cap $153.07 M
52w High $17.75
52w Low $12.56
Dividend Yield 0%
P/E 21.75
Volume 8.08K
Outstanding Shares 8.80M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $20.758M ▲ $5.358M ▲ $2.439M ▲ 11.75% ▲ $0.3 ▲ $3.33M ▲
Q2-2025 $19.456M ▲ $4.98M ▼ $1.44M ▲ 7.401% ▲ $0.18 ▲ $1.99M ▲
Q1-2025 $17.892M ▼ $5.208M ▼ $1.297M ▼ 7.249% ▼ $0.16 ▼ $1.796M ▼
Q4-2024 $18.139M ▲ $5.483M ▲ $1.446M ▲ 7.972% ▲ $0.18 ▲ $2.014M ▲
Q3-2024 $17.459M $5.011M $1.133M 6.489% $0.14 $1.614M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $120.877M ▲ $1.553B ▲ $1.383B ▲ $169.309M ▲
Q2-2025 $112.979M ▼ $1.515B ▲ $1.347B ▲ $168.277M ▼
Q1-2025 $164.515M ▼ $1.452B ▲ $1.284B ▲ $168.578M ▲
Q4-2024 $172.283M ▲ $1.418B ▲ $1.25B ▲ $168.268M ▲
Q3-2024 $123.993M $1.358B $1.192B $166.049M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $2.439M ▲ $4.025M ▲ $-34.267M ▲ $34.2M ▼ $3.958M ▲ $3.954M ▲
Q2-2025 $1.44M ▲ $1.895M ▲ $-111.516M ▼ $60.175M ▲ $-49.446M ▼ $1.845M ▲
Q1-2025 $1.297M ▼ $-631K ▼ $-46.292M ▼ $37.414M ▼ $-9.509M ▼ $-649K ▼
Q4-2024 $1.446M ▲ $4.479M ▲ $-19.774M ▼ $53.282M ▲ $37.987M ▲ $4.479M ▲
Q3-2024 $1.133M $861K $-13.558M $20.885M $8.188M $861K

Five-Year Company Overview

Income Statement

Income Statement ECB Bancorp’s income statement shows a small but steadily growing bank. Revenue has trended upward over the past several years, and core banking margins appear reasonably stable. Operating profits are positive but not large, reflecting the typical profile of a cautious community bank. Earnings per share have been positive each year, though they have leveled off recently rather than continuing to climb. Overall, the bank looks more like a steady grinder than a high‑growth story, with a focus on stability over aggressive expansion.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with assets and deposits growing as the franchise has deepened its footprint. Cash levels have increased, giving the bank a better liquidity cushion than in earlier years. Debt has risen as well, which is normal for a growing bank but still worth monitoring as funding costs evolve. Equity has been built up gradually, suggesting retained earnings and a focus on strengthening capital over time. In simple terms, the bank has grown from a small base while keeping a generally conservative balance‑sheet profile.

Cash Flow

Cash Flow Cash generation from the core banking business has been steady and positive for several years. Free cash flow also appears consistently positive, helped by modest investment needs and limited capital spending. This pattern suggests a business that does not require heavy ongoing reinvestment to maintain operations or modest growth. The flip side is that such a cash flow profile typically supports incremental, not explosive, expansion. Overall, cash flows look predictable and relatively low risk, in line with a traditional community bank model.

Competitive Edge

Competitive Edge ECB Bancorp competes as a classic community bank rather than a national or regional powerhouse. Its main edge is deep local roots, long operating history, and customer relationships built on trust and personal service. This relationship banking model can be hard for larger, more impersonal banks to replicate, especially for small businesses and local borrowers. However, the bank’s small scale, limited geographic reach, and concentration in a specific local economy leave it more exposed to regional downturns and competition from both big banks and digital‑only players. In essence, its moat is the local community bond, not size or technology.

Innovation and R&D

Innovation and R&D The company does not pursue cutting‑edge, experimental innovation; instead it adopts proven technologies that fit a community bank. Its mobile app, online banking, and cash‑management tools meet modern expectations but are broadly in line with industry standards rather than ahead of them. ECB Bancorp relies on partnerships with established providers for services like merchant processing instead of building its own platforms. Future innovation is likely to be incremental: improving digital experience, adding features, and using data more intelligently, rather than dramatic shifts toward a fintech model. This approach favors reliability and customer familiarity over speed of innovation.

Summary

ECB Bancorp looks like a traditional, relationship‑driven community bank that has been steadily growing from a small base. The financials point to rising scale, conservative balance‑sheet management, and consistently positive but modest earnings and cash flow. Its main strength is local trust and long‑standing community ties, supported by solid but not flashy digital capabilities. Key sensitivities include its small size, concentration in a limited geography, and the broader interest‑rate and credit environment. Overall, the picture is of a cautious, community‑oriented bank pursuing gradual, low‑drama progress rather than rapid transformation.