ECB Bancorp (ECBK) Stock Price, News & Analysis

Company Overview

ECB Bancorp, Inc. (NASDAQ: ECBK) is the bank holding company for East Coast Community Bank, a full‐service commercial bank headquartered in St. Petersburg, Florida. As a chartered community bank, it provides a broad range of deposit and lending products tailored to individuals, small businesses, and real estate developers. The company operates under a holding company structure that allows for strategic flexibility and supports its subsidiary’s growth initiatives in both core and non-core banking services.

The company’s principal business activities include offering demand, savings, and time deposit accounts to retail and commercial customers, alongside a comprehensive suite of lending solutions. ECB Bancorp’s lending portfolio spans residential mortgages, construction and development loans, commercial real estate financing, and small-business administration (SBA) loans. In addition, the bank provides treasury management, merchant services, and digital banking capabilities—featuring online and mobile platforms designed to meet the evolving needs of its client base.

Since its founding in 2009, ECB Bancorp has pursued a growth strategy rooted in its regional footprint throughout the Tampa Bay market. The bank maintains a network of branches and lending offices serving Pinellas, Hillsborough and surrounding counties, enabling it to cultivate strong community relationships. Over the past decade, the company has expanded its geographic reach through both organic branch openings and selective acquisitions, solidifying its presence across key sub‐markets in metropolitan Tampa and St. Petersburg.

ECB Bancorp is governed by a board of directors and an executive management team with extensive experience in community and regional banking. Its leadership group draws on decades of industry expertise in credit administration, risk management, and customer service. Driving the company’s strategic vision, the management team focuses on sustainable growth, strong credit quality and a client-centric culture that underpins its commitment to the communities it serves.

Key Stats

• Today's Range: $15.78 to $16.25
• 50-Day Range: $14.82 to $16.65
• 52-Week Range: $12.50 to $16.99
• Volume: 22,076 shs
• Average Volume: 16,170 shs
• Market Capitalization: $146.29 million
• P/E Ratio: 28.93
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

ECB Bancorp Stock Analysis - MarketRank™

ECB Bancorp scored higher than 5% of companies evaluated by MarketBeat, and ranked 923rd out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for ECB Bancorp.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of ECB Bancorp is 28.93, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of ECB Bancorp is 28.93, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

ECB Bancorp has a P/B Ratio of 0.88. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.16% of the float of ECB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

ECB Bancorp has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in ECB Bancorp has recently increased by 529.01%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

ECB Bancorp does not currently pay a dividend.

Dividend Growth

ECB Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.16% of the float of ECB Bancorp has been sold short.

Short Interest Ratio / Days to Cover

ECB Bancorp has a short interest ratio ("days to cover") of 4.7.

Change versus previous month

Short interest in ECB Bancorp has recently increased by 529.01%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.94

News Sentiment

ECB Bancorp has a news sentiment score of 0.94. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for ECB Bancorp this week, compared to 4 articles on an average week.

Search Interest

1 people have searched for ECBK on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, ECB Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.00% of the stock of ECB Bancorp is held by insiders.

Percentage Held by Institutions

Only 30.27% of the stock of ECB Bancorp is held by institutions.

ECBK Stock Analysis - Frequently Asked Questions

How have ECBK shares performed this year?

ECB Bancorp's stock was trading at $14.84 on January 1st, 2025. Since then, ECBK stock has increased by 9.2% and is now trading at $16.20.

How were ECB Bancorp's earnings last quarter?

ECB Bancorp, Inc. (NASDAQ:ECBK) issued its quarterly earnings results on Thursday, April, 24th. The company reported $0.16 EPS for the quarter. The firm earned $6.92 million during the quarter. ECB Bancorp had a trailing twelve-month return on equity of 2.79% and a net margin of 6.65%.

When did ECB Bancorp IPO?

ECB Bancorp (ECBK) raised $106 million in an initial public offering on Thursday, July 28th 2022. The company issued 10,637,500 shares at a price of $10.00 per share.

How do I buy shares of ECB Bancorp?

Shares of ECBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of ECB Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ECB Bancorp investors own include Nokia (NOK) and Edwards Lifesciences (EW).

Company Calendar

• Last Earnings: 4/24/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 8/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ECBK
• CIK: 1914605
• Web: www.everettbank.com
• Phone: 617-387-1110
• Fax: N/A
• Employees: 50
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.56
• Trailing P/E Ratio: 28.93
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $3.99 million
• Net Margins: 6.65%
• Pretax Margin: 8.92%
• Return on Equity: 2.79%
• Return on Assets: 0.34%

Debt

• Debt-to-Equity Ratio: 1.39
• Current Ratio: 1.28
• Quick Ratio: 1.28

Sales & Book Value

• Annual Sales: $68.27 million
• Price / Sales: 2.14
• Cash Flow: $0.49 per share
• Price / Cash Flow: 32.78
• Book Value: $18.45 per share
• Price / Book: 0.88

Miscellaneous

• Outstanding Shares: 9,030,000
• Free Float: 8,215,000
• Market Cap: $146.29 million
• Optionable: Not Optionable
• Beta: 0.49