ECBKNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
ECB Bancorp, Inc. /MD/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$19.59−0.06 (-0.33%)
Close on Oct 19, 2026
- Market cap
- $163.27M
- P/E (TTM)
- 14.3
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2020 to 2025
Net margin
1299.7%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.6% | -71.2% | – | – | |
| Net income | +94.7% | +41.9% | – | – | |
| EPS, diluted | +95.8% | +43.2% | – | – | |
| Free cash flow | +46.0% | +6.0% | – | – |
Returns and balance sheet
6 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2020 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 4.6% | |
| Return on assets | – | – | 0.5% | |
| Capex to revenue | – | – | 35.8% | |
| Diluted shares | – | – | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
ECB Bancorp generated $36.10M from operations and spent $10.49M on capital expenditure, dividends and share buybacks. 9% of that went back into the business.
Generated
$36.10M
Used
$10.49M
Capital expenditure$929.00K9%Dividends$00%Share buybacks$9.56M91%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin1299.7%
×Asset turnover0.00×
×Equity multiplier8.89×
=Return on equity, FY20254.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 1299.7% | 0.00× | 8.89× | 4.6% |
| FY2024 | 691.7% | 0.00× | 8.10× | 2.4% |
| FY2023 | 17.2% | 0.02× | 7.16× | 2.7% |
| FY2022 | 10.9% | 0.03× | 7.21× | 2.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$7.77M
- Cash generatingOperating cash flow above zero$9.22M
- Return on assets improvedROA up on the prior year0.3% → 0.5%
- Earnings backed by cashOperating cash flow above net income$9.22M vs $7.77M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00