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ECB Bancorp, Inc. /MD/

ECBK

$20.16 ▼ -0.95 (-4.48%) at close

6 Visible periods

31 Metrics

Peer-ranked Benchmarks

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Health

Good

Bullish

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Analytical Summary

ECB Bancorp, Inc. /MD/ shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $163.3M

Dividend Yield —

Revenue Growth 26.8% ↗

Op. Margin 31.2% ↗

ROIC None

FCF / Share None

Trailing P/E 21.0x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$33.24M

↑ +26.8% —

Net Income Profit after all expenses

$7.77M

↑ +94.7% —

Operating Margin Operating profit as % of sales

31.2%

↑ +52.4% 87th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

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Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	26.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+347%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	3.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-47%)	25.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+329%)	—	—
EPS Growth YoY (%)	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-9.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	65.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	94.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.4% Weak ↓ Weak Declining Year-over-year change in net income	63.8% Excellent Excellent Year-over-year change in net income	-32.7% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.9% Fair Fair Compound annual revenue growth over 3 years	9.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	44.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	31.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	20.5% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	23.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	14.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	27.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—
Effective Tax Rate (%) (%)	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	23.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	15.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	17.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	10.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	20.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	1.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	5.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$4.10	$3.17	$3.05	$2.96	—	—
Basic EPS, GAAP (USD)	$0.96	$0.48	$0.53	$0.32	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$19.55	$18.50	$17.75	$17.74	—	—
Tangible Book Value per Share (USD)	$19.55	$18.50	$17.75	$17.74	—	—
Basic Weighted Avg Shares (shares)	8.10M	8.26M	8.47M	8.46M	0	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$171.93M	$168.27M	$164.90M	$162.73M	$77.27M	$73.03M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$33.24M	$26.21M	$25.84M	$25.04M	$19.92M	—
Depreciation Expense (USD)	$297.00K	$302.00K	—	—	—	—
Net Income, GAAP (USD)	$7.77M	$3.99M	$4.46M	$2.72M	$4.04M	—
Operating Cash Flow (USD)	$9.22M	$6.23M	$6.43M	$7.77M	$6.45M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Net Interest Margin (approx.) (%)	2.0%	1.8%	1.9%	2.2%	2.8%	—
Efficiency Ratio (%) (%)	64.2%	78.8%	73.7%	74.3%	70.7%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 6 years · 23 quarters

ECB Bancorp, Inc. /MD/

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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