ECBK

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ECB Bancorp, Inc.

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Key Metrics

Previous Close: $20.36
52-Week Range: $14.83 – $21.78
Market Cap: $178.51M
P/E (TTM): 14.80
EPS (TTM): 1.38
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 0.99
PEG Ratio: —
Return on Equity: 6.56%
Return on Assets: 0.72%
Gross Margin: 0.00%
Operating Margin: 45.81%
Profit Margin: 29.91%
Current Ratio: —
Debt/Equity: —
Total Debt: $285.21M
Free Cash Flow: —
Revenue Growth: 49.10%
Earnings Growth: 129.40%
Enterprise Value: $324.51M

ECBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$25.04M	$25.84M	$26.21M	$33.24M
Selling, General & Admin	$11.33M	$13.85M	$15.20M	$15.51M
Pretax Income	$3.50M	$5.99M	$5.37M	$10.38M
Income Tax	$776.00K	$1.53M	$1.38M	$2.61M
Net Income	$2.72M	$4.46M	$3.99M	$7.77M
Diluted EPS	0.32	0.52	0.48	0.94
Diluted Shares	8.46M	8.52M	8.35M	8.31M

ECBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$62.35M	$119.04M	$157.72M	$94.92M
Receivables	$2.63M	$3.77M	$4.01M	$5.21M
Total Assets	$1.06B	$1.28B	$1.42B	$1.61B
Long-Term Debt	$174.00M	$234.00M	$234.00M	$284.81M
Total Debt	$174.00M	$234.00M	$234.00M	$284.81M
Total Liabilities	$901.73M	$1.12B	$1.25B	$1.43B
Retained Earnings	$80.08M	$83.85M	$87.84M	$95.62M
Shareholders' Equity	$162.73M	$164.90M	$168.27M	$171.93M
Net Debt	$111.65M	$114.96M	$76.28M	$189.90M

ECBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$7.77M	$6.43M	$6.23M	$9.22M
Capital Expenditure	-$216.00K	-$335.00K	-$60.00K	-$214.00K
Free Cash Flow	$7.55M	$6.10M	$6.17M	$9.01M
Depreciation & Amortisation	$302.00K	$279.00K	$302.00K	$297.00K
Stock-Based Compensation	$559.00K	$738.00K	$1.80M	$1.81M
Investing Cash Flow	-$389.34M	-$157.29M	-$95.29M	-$259.90M
Financing Cash Flow	$390.64M	$207.84M	$127.64M	$179.99M
Share Repurchases	$0.00	-$2.23M	-$2.72M	-$4.61M
Net Change in Cash	$9.07M	$56.99M	$38.58M	-$70.69M

ECBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$8.02M	$8.80M	$9.51M	$10.16M	$10.34M
Selling, General & Admin	$3.59M	$3.99M	$4.14M	$4.11M	$4.37M
Pretax Income	$1.92M	$3.26M	$3.49M	$4.26M	$4.47M
Income Tax	$475.00K	$817.00K	$891.00K	$1.14M	$1.21M
Net Income	$1.44M	$2.44M	$2.60M	$3.12M	$3.26M
Diluted EPS	0.17	0.29	0.31	0.38	0.39
Diluted Shares	8.37M	8.27M	8.26M	8.30M	8.34M

ECBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$98.66M	$110.62M	$94.92M	$122.79M	$138.21M
Receivables	$4.78M	$5.25M	$5.21M	$5.33M	$5.27M
Total Assets	$1.52B	$1.55B	$1.61B	$1.65B	$1.67B
Long-Term Debt	$264.81M	$259.81M	$284.81M	$260.81M	$285.00M
Total Debt	$264.81M	$259.81M	$284.81M	$260.81M	$285.00M
Total Liabilities	$1.35B	$1.38B	$1.43B	$1.47B	$1.49B
Retained Earnings	$90.58M	$93.02M	$95.62M	$98.74M	$102.00M
Shareholders' Equity	$168.28M	$169.31M	$171.93M	$175.93M	$179.88M
Net Debt	$166.15M	$149.20M	$189.90M	$138.03M	$146.79M

ECBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.90M	$4.03M	$3.93M	$2.81M	$11.99M
Capital Expenditure	-$50.00K	-$71.00K	-$75.00K	-$4.00K	-$213.00K
Free Cash Flow	$1.84M	$3.95M	$3.86M	$2.81M	$11.78M
Depreciation & Amortisation	$75.00K	$74.00K	$73.00K	$75.00K	$75.00K
Stock-Based Compensation	$424.00K	$466.00K	$469.00K	$469.00K	$505.00K
Investing Cash Flow	-$111.52M	-$34.27M	-$67.83M	-$21.14M	-$16.14M
Financing Cash Flow	$60.17M	$34.20M	$48.20M	$42.70M	$16.82M
Share Repurchases	-$1.46M	-$1.97M	-$513.00K	-$350.00K	-$675.00K
Net Change in Cash	-$49.45M	$3.96M	-$15.70M	$24.37M	$12.68M

Market Snapshot

About

ECB Bancorp, Inc. is the holding company for ECB, a community bank serving the Research Triangle region of North Carolina. The bank provides traditional banking services to individuals and businesses, focusing on personalized service and local decision-making. ECB offers commercial and retail lending, deposit accounts, treasury management, and wealth management services. The company emphasizes relationship banking and community involvement in the Durham, Chapel Hill, and Raleigh markets.