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ECBK

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ECB Bancorp, Inc. · Financial Services · United States · $181M · Avg Vol: $187K/d

72
StockRank
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Q
49
V
42
M
76
P/E (TTM)
15.0x
ROE
6.6%
D/E
1.7x
Dividend %
—
Dir. Trades · 180d
+$715.6 →
Buybacks · 180d
$4.6M →

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%38.2M
EPS0.320.530.480.9644.2%1.38
Shares9.2M9.3M9.1M8.8M-4.2%8.7M
Debt174.0M234.0M234.0M284.8M17.9%285.2M
Equity162.7M164.9M168.3M171.9M1.9%—
Op CF7.8M6.4M6.2M9.2M5.9%22.8M
Inv CF-389.3M-157.3M-95.3M-259.9M——
Fin CF390.6M207.8M127.6M180.0M——
Loading 1Y...
PRICE (1Y)+2.6%
20.0520.4220.8021.1721.55Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$20.82
RSI (14)
53.8
52W High
$21.78
From 52W High
1.0%

SCORE BREAKDOWN

Quality
49
ROIC (ROA)
0.7%*28.8
ROE
6.6%32.4
GP/Assets
2.4%N/A
Op. Margin
45.8%65.2
FCF/Assets
0.8%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
1.66xN/A
Current Ratio
bankN/A
Value
42
P/E (TTM)
15.0x38.6
EV/EBITDA
bankN/A
P/FCF
14.5xN/A
P/B
1.0x60.3
P/S
4.8x35.8
Div Yield
—N/A
Momentum
76
52W High %
96%76.2
RS 6M
10%71.0
SMA 50/200
1.11x75.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
126%87.6

FUNDAMENTALS

Market Cap
$181M
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)$181M72Buy
HNVRHanover Bancorp, Inc.$189M68Buy
BVFLBV Financial, Inc.$181M78Buy
MNSBMainStreet Bancshares, Inc.$179M66Buy
CMTVCommunity Bancorp$229M70Buy
LSBKLake Shore Bancorp, Inc.$135M74Buy
PEBKPeoples Bancorp of North Carolina, Inc.$233M75Buy
EBMTEagle Bancorp Montana, Inc.$181M63Hold
FCAPFirst Capital, Inc.$209M79Buy
LCNBLCNB Corp.$277M71Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

ECB Bancorp, Inc. (ECBK) has a MoatMap StockRank of 72/100 based on Quality (49/100), Value (42/100), and Momentum (76/100) factor scores. The current signal is BUY.

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$20.82
Market Cap$181M
P/E (TTM)15.04
Price/Book1.01
Return on Equity6.6%
Debt/Equity1.66x
Operating Margin45.8%
Revenue Growth49.1%
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 72/100, with a Buy signal. It is a composite of Quality (49), Value (42), and Momentum (76) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does ECB Bancorp, Inc. have an economic moat?
ECB Bancorp, Inc. (ECBK) has a Quality factor score of 49/100. 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 Buy, based on a StockRank of 72/100. 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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