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ECBK

HOLD

ECB Bancorp, Inc. · Financial Services · United States · $174M · Avg Vol: $281K/d

65
StockRank
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Q
47
V
39
M
72
P/E (TTM)
17.4x
ROE
5.6%
D/E
1.7x
Dividend %
—
Dir. Trades · 180d
+$715.6 →
Buybacks · 180d
$2.4M →

COMPANY DESCRIPTION

ECB Bancorp, Inc. is the holding company for Everett Co-operative Bank, a community-oriented bank providing traditional banking services to individuals and businesses in Massachusetts. Its offerings include deposit products, residential and commercial real estate loans, and other financial services. The bank's competitive advantage stems from its deep understanding of local market needs and strong customer relationships.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue25.0M25.8M26.2M33.2M9.9%34.8M
EPS0.320.530.480.9644.2%1.15
Shares9.2M9.3M9.1M8.8M-4.2%8.8M
Debt174.0M234.0M234.0M284.8M17.9%261.6M
Equity162.7M164.9M168.3M171.9M1.9%—
Op CF7.8M6.4M6.2M9.2M5.9%12.7M
Inv CF-389.3M-157.3M-95.3M-259.9M——
Fin CF390.6M207.8M127.6M180.0M——
Loading 1Y...
PRICE (1Y)+1.1%
19.0919.4419.7820.1320.48Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$19.91
RSI (14)
45.7
52W High
$20.76
From 52W High
1.0%

SCORE BREAKDOWN

Quality
47
ROIC (ROA)
0.6%*26.4
ROE
5.6%28.5
GP/Assets
2.2%N/A
Op. Margin
45.1%65.8
FCF/Assets
0.8%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
1.66xN/A
Current Ratio
bankN/A
Value
39
P/E (TTM)
17.4x31.2
EV/EBITDA
bankN/A
P/FCF
14.0xN/A
P/B
1.0x60.3
P/S
5.0x36.1
Div Yield
—N/A
Momentum
72
52W High %
96%64.9
RS 6M
7%71.8
SMA 50/200
1.09x71.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
141%88.1

FUNDAMENTALS

Market Cap
$174M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ECBK are excluded.

TickerCompanyMkt CapStockRankSignal
ECBKECB Bancorp, Inc.(you)$174M65HOLD
RBKBRhinebeck Bancorp, Inc.$194M63HOLD
BVFLBV Financial, Inc.$177M69BUY
NKSHNational Bankshares, Inc.$233M65BUY
LSBKLake Shore Bancorp, Inc.$135M63HOLD
RMBIRichmond Mutual Bancorporation, Inc.$249M65HOLD
HNVRHanover Bancorp, Inc.$179M57HOLD
UNBUnion Bankshares, Inc.$114M67BUY
CBNAChain Bridge Bancorp, Inc.$277M64HOLD
MGYRMagyar Bancorp, Inc.$118M62HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

ECB Bancorp, Inc. (ECBK) — Stock Score Summary

ECB Bancorp, Inc. (ECBK) has a MoatMap StockRank of 65/100 based on Quality (47/100), Value (39/100), and Momentum (72/100) factor scores. The current signal is HOLD.

ECB Bancorp, Inc. is the holding company for Everett Co-operative Bank, a community-oriented bank providing traditional banking services to individuals and businesses in Massachusetts. Its offerings include deposit products, residential and commercial real estate loans, and other financial services. The bank's competitive advantage stems from its deep understanding of local market needs and strong customer relationships.

Key Financial Metrics

Price$19.91
Market Cap$174M
P/E (TTM)17.40
Price/Book1.00
Return on Equity5.6%
Debt/Equity1.66x
Operating Margin45.1%
Revenue Growth44.4%
Free Cash Flow$12M

ECB Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is ECB Bancorp, Inc.’s (ECBK) StockRank?
MoatMap’s StockRank for ECB Bancorp, Inc. (ECBK) is 65/100, with a Hold signal. It is a composite of Quality (47), Value (39), and Momentum (72) factor ranks across MoatMap’s 20,000+ stock universe.
Does ECB Bancorp, Inc. have an economic moat?
ECB Bancorp, Inc. (ECBK) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is ECB Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for ECB Bancorp, Inc. (ECBK) is Hold, based on a StockRank of 65/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is ECB Bancorp, Inc. in?
ECB Bancorp, Inc. (ECBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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