StockData

ECB Bancorp, Inc. (ECBK) stock analysis

ECBKNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 10/3011% below fair value
$20.94+0.52 (+2.55%)

Close on Nov 11, 2026Market cap $182.97MP/E 14.1Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value3Growth1Performance3Health3Dividend0

Mixed10 of 30 checks passed

ECB Bancorp passes 10 of the 30 checks behind our score; 10 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
3/6
Growth
1/6
Past performance
3/6
Financial health
3/6
Dividend
0/6

What stands out

  • Trading below fair value

    The share price of $20.94 is below our fair value estimate of $23.53.

  • EPS growing 10%+ a year

    Diluted EPS grew 43.2% a year over the last three fiscal years.

  • P/E below its 5-year median

    ECB Bancorp's P/E of 14.1 is below its own 5-year median of 25.5.

  • Well capitalized

    Equity is 10.9% of total assets; 8% or more is a comfortable cushion.

What to watch

  • Margin of safety under 20%

    The price is 11.0% below fair value, less than the 20% cushion we look for.

  • Return on equity under 15%

    Return on equity was 7.0% over the last twelve months and averaged 3.5% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -71.2% a year over the last three fiscal years, short of the 10% we look for.

  • P/E above the industry

    ECB Bancorp's P/E of 14.1 is above the Savings Institutions median of 13.7.

Valuation3/6

  • P/E below its 5-year median

    ECB Bancorp's P/E of 14.1 is below its own 5-year median of 25.5.

  • P/E above the industry

    ECB Bancorp's P/E of 14.1 is above the Savings Institutions median of 13.7.

  • P/S above the industry

    ECB Bancorp's price-to-sales of 297.02 is above the Savings Institutions median of 3.77.

  • P/B below the industry

    ECB Bancorp's price-to-book of 0.99 is below the Savings Institutions median of 1.04.

  • Trading below fair value

    The share price of $20.94 is below our fair value estimate of $23.53.

  • Margin of safety under 20%

    The price is 11.0% below fair value, less than the 20% cushion we look for.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew -71.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 43.2% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew -91.8% over the last twelve months; the Savings Institutions median is 9.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 7.0% over the last twelve months and averaged 3.5% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    ECB Bancorp's return on equity of 7.0% is above the Savings Institutions median of 6.1%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 2008% over the last twelve months, against a 5-year average of 408%.

  • Net margin above the industry

    ECB Bancorp's net margin of 2008% is above the Savings Institutions median of 20.3%.

Financial health3/6

  • Well capitalized

    Equity is 10.9% of total assets; 8% or more is a comfortable cushion.

  • Loans exceed deposits

    Loans equal 120% of deposits, so the bank relies on other borrowing.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.7% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 57.5% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 9.2% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    ECB Bancorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$23.53

The share price is 11% below this estimate.

20%+ below
Near fair value
20%+ above
$20.94Price
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E18.1×25.5×13.7×$26.8050%
P/B1.0×0.8×1.0×$20.2650%
Fair value$23.53100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 25.5
  • Savings Institutions median 13.7

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$187.56K
Value traded per 1% price move
$103.34K

Downside

Low risk

Typical loss in a bad month
8.5%
Volatility (annualized)
26%
Sharpe ratio, 1 year
0.61
Beta to the S&P 500 (5Y)
0.33

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2020 to 2025

Net margin

1299.7%

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