ECB Bancorp (ECBK) Financials

$20.41 +0.14 (+0.70%)

As of 02:09 PM Eastern

Annual Income Statements for ECB Bancorp

This table shows ECB Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2021	2022	2023	2024	2025
Period end date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	4.04	2.72	4.46	3.99	7.77
Consolidated Net Income / (Loss)	4.04	2.72	4.46	3.99	7.77
Net Income / (Loss) Continuing Operations	4.04	2.72	4.46	3.99	7.77
Total Pre-Tax Income	5.47	3.50	5.99	5.37	10
Total Revenue	20	25	26	26	33
Net Interest Income / (Expense)	19	24	25	25	32
Total Interest Income	22	29	55	67	78
Loans and Leases Interest Income	21	27	48	58	69
Investment Securities Interest Income	1.01	1.49	6.45	9.19	8.98
Deposits and Money Market Investments Interest Income	-	-	0.00	0.00	0.12
Total Interest Expense	3.68	5.52	30	42	46
Deposits Interest Expense	3.55	4.57	21	33	37
Long-Term Debt Interest Expense	0.14	0.95	8.57	8.62	9.20
Total Non-Interest Income	1.22	1.40	1.05	1.23	1.33
Other Service Charges	0.42	0.49	0.55	0.63	0.72
Net Realized & Unrealized Capital Gains on Investments	0.45	0.08	0.02	0.12	0.13
Other Non-Interest Income	0.36	0.83	0.48	0.47	0.48
Provision for Credit Losses	0.36	2.94	0.80	0.17	1.53
Total Non-Interest Expense	14	19	19	21	21
Salaries and Employee Benefits	9.60	9.93	12	13	13
Net Occupancy & Equipment Expense	1.41	1.60	2.03	2.23	2.40
Marketing Expense	0.65	0.75	0.79	0.55	0.64
Property & Liability Insurance Claims	0.16	0.00	-	0.75	0.88
Other Operating Expenses	2.28	6.32	4.55	4.07	4.22
Income Tax Expense	1.43	0.78	1.53	1.38	2.61
Basic Earnings per Share	$0.00	$0.32	$0.53	$0.48	$0.96
Weighted Average Basic Shares Outstanding	0.00	8.46M	8.47M	8.26M	8.10M
Diluted Earnings per Share	$0.00	$0.32	$0.52	$0.48	$0.94
Weighted Average Diluted Shares Outstanding	0.00	8.46M	8.52M	8.35M	8.31M
Weighted Average Basic & Diluted Shares Outstanding	-	9.18M	9.24M	9.06M	8.78M

This table shows ECB Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Consolidated Net Income / (Loss)	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Net Income / (Loss) Continuing Operations	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Total Pre-Tax Income	1.78	1.06	0.83	1.06	1.54	1.94	1.72	1.92	3.26	3.49	4.26
Total Revenue	6.41	6.20	6.21	6.30	6.60	7.11	6.92	8.02	8.80	9.51	10
Net Interest Income / (Expense)	6.09	5.94	5.90	6.01	6.29	6.78	6.65	7.66	8.46	9.15	9.83
Total Interest Income	14	15	16	16	17	18	18	19	20	21	22
Loans and Leases Interest Income	12	13	13	14	15	15	15	17	18	19	20
Investment Securities Interest Income	1.85	2.50	2.25	2.21	2.30	3.91	2.48	2.24	2.24	2.03	1.94
Deposits and Money Market Investments Interest Income	-	-	0.00	0.00	0.00	-	0.00	0.00	0.03	0.09	0.09
Total Interest Expense	8.08	8.96	9.79	10	11	11	11	11	12	12	12
Deposits Interest Expense	5.84	6.60	7.52	8.16	8.80	8.96	8.86	9.12	9.55	9.53	9.20
Long-Term Debt Interest Expense	2.24	2.36	2.27	2.21	2.07	2.07	2.11	2.32	2.41	2.36	2.58
Total Non-Interest Income	0.32	0.26	0.31	0.29	0.30	0.33	0.27	0.36	0.34	0.36	0.33
Other Service Charges	0.14	0.15	0.16	0.15	0.16	0.17	0.16	0.19	0.17	0.21	0.17
Net Realized & Unrealized Capital Gains on Investments	0.01	0.01	0.04	0.02	0.03	0.04	0.00	0.04	0.06	0.03	0.04
Other Non-Interest Income	0.18	0.11	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12
Provision for Credit Losses	-0.18	0.11	0.15	0.29	0.05	-0.31	-0.01	1.12	0.18	0.24	0.15
Total Non-Interest Expense	4.81	5.04	5.23	4.95	5.01	5.48	5.21	4.98	5.36	5.78	5.75
Salaries and Employee Benefits	2.91	3.06	3.31	3.13	3.20	3.42	3.26	3.01	3.37	3.54	3.46
Net Occupancy & Equipment Expense	0.52	0.53	0.59	0.55	0.54	0.56	0.59	0.58	0.59	0.65	0.65
Marketing Expense	0.20	0.22	0.13	0.11	0.16	0.16	0.13	0.19	0.17	0.15	0.20
Property & Liability Insurance Claims	-	-	-	0.19	0.19	-	0.19	0.22	0.24	-	0.25
Other Operating Expenses	1.18	1.23	1.20	0.97	0.92	1.35	1.04	0.99	0.99	1.02	1.19
Income Tax Expense	0.44	0.27	0.21	0.27	0.41	0.49	0.42	0.48	0.82	0.89	1.14
Basic Earnings per Share	$0.16	$0.09	$0.07	$0.10	$0.14	$0.17	$0.16	$0.18	$0.30	$0.32	$0.39
Weighted Average Basic Shares Outstanding	8.49M	8.47M	8.30M	8.27M	8.24M	8.26M	8.21M	8.16M	8.02M	8.10M	8.03M
Diluted Earnings per Share	$0.16	$0.08	$0.07	$0.09	$0.14	$0.18	$0.16	$0.17	$0.29	$0.32	$0.38
Weighted Average Diluted Shares Outstanding	8.49M	8.52M	8.38M	8.34M	8.34M	8.35M	8.34M	8.37M	8.27M	8.31M	8.30M
Weighted Average Basic & Diluted Shares Outstanding	9.39M	9.24M	9.22M	9.19M	9.12M	9.06M	9.03M	8.85M	8.80M	8.78M	8.75M

This table details how cash moves in and out of ECB Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2021	2022	2023	2024	2025
Period end date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	9.56	9.08	57	39	-71
Net Cash From Operating Activities	6.45	7.77	6.43	6.23	9.22
Net Cash From Continuing Operating Activities	6.45	7.77	6.43	6.23	9.22
Net Income / (Loss) Continuing Operations	4.04	2.72	4.46	3.99	7.77
Consolidated Net Income / (Loss)	4.04	2.72	4.46	3.99	7.77
Provision For Loan Losses	0.36	2.94	0.80	0.17	1.53
Depreciation Expense	0.30	0.30	0.28	0.30	0.30
Amortization Expense	0.34	0.18	0.03	0.21	0.11
Non-Cash Adjustments to Reconcile Net Income	-0.33	0.13	0.15	1.08	0.73
Changes in Operating Assets and Liabilities, net	1.74	1.50	0.72	0.47	-1.22
Net Cash From Investing Activities	-68	-389	-157	-95	-260
Net Cash From Continuing Investing Activities	-68	-389	-157	-95	-260
Purchase of Property, Leasehold Improvements and Equipment	-0.10	-0.22	-0.34	-0.06	-0.21
Purchase of Investment Securities	-77	-402	-167	-115	-314
Sale and/or Maturity of Investments	14	11	9.41	20	54
Net Cash From Financing Activities	71	391	208	128	180
Net Cash From Continuing Financing Activities	71	391	208	128	180
Net Change in Deposits	80	146	150	130	134
Issuance of Debt	4.00	110	195	55	31
Repayment of Debt	-13	55	-135	-55	20
Repurchase of Common Equity	-	0.00	-2.23	-2.72	-4.61
Other Financing Activities, Net	-	0.00	0.00	0.05	-0.03
Cash Interest Paid	3.66	4.83	29	42	47
Cash Income Taxes Paid	2.41	1.98	2.26	1.10	2.00

This table details how cash moves in and out of ECB Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	18	22	-6.67	-0.93	8.19	38	-9.51	-49	3.96	-16	24
Net Cash From Operating Activities	0.42	2.63	-0.43	1.39	0.86	4.48	-0.63	1.90	4.03	3.93	2.81
Net Cash From Continuing Operating Activities	0.42	2.63	-0.43	1.39	0.86	4.48	-0.63	1.90	4.03	3.93	2.81
Net Income / (Loss) Continuing Operations	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Consolidated Net Income / (Loss)	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Provision For Loan Losses	-0.18	0.11	0.15	0.29	0.05	-0.31	-0.01	1.12	0.18	0.24	0.15
Depreciation Expense	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.07	0.08
Amortization Expense	-0.02	0.02	0.01	0.17	0.06	-0.04	0.00	0.16	0.08	-0.06	-0.08
Non-Cash Adjustments to Reconcile Net Income	-0.07	0.21	0.50	-0.48	-0.21	1.34	0.55	-1.43	1.72	-0.10	1.04
Changes in Operating Assets and Liabilities, net	-0.73	1.43	-1.78	0.54	-0.24	1.97	-2.54	0.53	-0.47	1.19	-1.50
Net Cash From Investing Activities	2.13	-45	-29	-33	-14	-20	-46	-112	-34	-68	-21
Net Cash From Continuing Investing Activities	2.13	-45	-29	-33	-14	-20	-46	-112	-34	-68	-21
Purchase of Property, Leasehold Improvements and Equipment	-0.14	-0.10	-0.02	-0.04	-	-	-0.02	-0.05	-0.07	-0.08	-0.00
Purchase of Investment Securities	-0.75	-49	-33	18	-76	-25	-53	-134	124	-251	-29
Sale and/or Maturity of Investments	2.70	3.97	3.65	-51	62	4.17	6.71	23	-158	183	8.08
Net Cash From Financing Activities	15	64	23	31	21	53	37	60	34	48	43
Net Cash From Continuing Financing Activities	15	64	23	31	21	53	37	60	34	48	43
Net Change in Deposits	26	56	33	31	12	54	38	31	41	24	67
Issuance of Debt	50	10	0.00	35	10	10	25	0.82	25	-20	20
Repayment of Debt	-60	-	-10	-35	-	-10	-25	30	-30	45	-44
Repurchase of Common Equity	-0.59	-1.64	-0.63	-0.53	-0.66	-0.90	-0.67	-1.46	-1.97	-0.51	-0.35
Cash Interest Paid	8.68	8.05	10	9.83	12	10	12	11	12	12	12
Cash Income Taxes Paid	0.41	0.33	0.21	0.52	0.67	0.17	0.00	0.78	0.75	0.25	0.00

This table presents ECB Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2021	2022	2023	2024	2025
Period end date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	666	1,064	1,280	1,418	1,606
Cash and Due from Banks	7.33	3.12	3.79	5.83	4.12
Interest Bearing Deposits at Other Banks	0.00	0.30	0.00	0.10	8.00
Trading Account Securities	71	83	82	80	35
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	3.78	3.70	3.75	3.51	3.43
Other Assets	66	975	1,191	1,329	1,555
Total Liabilities & Shareholders' Equity	666	1,064	1,280	1,418	1,606
Total Liabilities	589	902	1,115	1,250	1,434
Non-Interest Bearing Deposits	83	85	78	85	81
Interest Bearing Deposits	488	633	790	914	1,051
Long-Term Debt	9.00	174	234	234	285
Other Long-Term Liabilities	8.46	9.58	13	17	17
Commitments & Contingencies	-	-	-	0.00	0.00
Total Equity & Noncontrolling Interests	77	163	165	168	172
Total Preferred & Common Equity	77	163	165	168	172
Preferred Stock	0.00	0.00	0.00	0.00	0.00
Total Common Equity	77	163	165	168	172
Common Stock	0.00	89	88	86	83
Retained Earnings	77	80	84	88	96
Accumulated Other Comprehensive Income / (Loss)	-0.08	0.25	0.13	0.38	-0.90
Other Equity Adjustments	0.00	-6.97	-6.61	-6.24	-5.87

This table presents ECB Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	1,214	1,303	1,336	1,358	1,452	1,515	1,553	1,650
Cash and Due from Banks	3.43	2.57	2.78	4.78	4.43	6.33	3.35	3.04
Interest Bearing Deposits at Other Banks	0.00	-	-	0.20	0.10	-	-	11
Trading Account Securities	80	80	81	82	82	88	90	37
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	3.73	3.70	3.66	3.59	3.46	3.43	3.43	3.36
Other Assets	129	146	1,248	1,267	1,362	1,417	1,448	1,595
Total Liabilities & Shareholders' Equity	1,214	1,303	1,336	1,358	1,452	1,515	1,553	1,650
Total Liabilities	1,048	1,138	1,169	1,192	1,284	1,347	1,383	1,474
Non-Interest Bearing Deposits	85	77	78	74	80	88	85	80
Interest Bearing Deposits	728	825	855	870	957	980	1,024	1,119
Long-Term Debt	224	224	224	234	234	265	260	261
Other Long-Term Liabilities	12	12	13	14	13	14	15	14
Commitments & Contingencies	-	-	-	-	-	-	-	0.00
Total Equity & Noncontrolling Interests	166	166	166	166	169	168	169	176
Total Preferred & Common Equity	166	166	166	166	169	168	169	176
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	166	166	166	166	169	168	169	176
Common Stock	89	87	87	87	86	85	83	83
Retained Earnings	83	84	85	86	89	91	93	99
Accumulated Other Comprehensive Income / (Loss)	0.25	0.58	0.56	-0.78	-0.39	-1.09	-1.00	-0.14
Other Equity Adjustments	-6.70	-6.52	-6.42	-6.33	-6.15	-6.06	-5.96	-5.78

This table displays calculated financial ratios and metrics derived from ECB Bancorp's official financial filings.

Metric	2021	2022	2023	2024	2025
Period end date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	9,175,247.00	9,388,678.00	-	8,796,890.00
DEI Adjusted Shares Outstanding	0.00	9,175,247.00	9,388,678.00	-	8,796,890.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.30	0.47	-	0.88
Growth Metrics	-	-	-	-	-
Revenue Growth	0.00%	25.74%	3.19%	1.44%	26.81%
EBITDA Growth	0.00%	-34.85%	58.17%	-10.88%	83.16%
EBIT Growth	0.00%	-36.10%	71.20%	-10.26%	93.24%
NOPAT Growth	0.00%	-32.71%	63.82%	-10.44%	94.74%
Net Income Growth	0.00%	-32.71%	63.82%	-10.44%	94.74%
EPS Growth	0.00%	0.00%	62.50%	-7.69%	95.83%
Operating Cash Flow Growth	0.00%	20.48%	-17.19%	-2.13%	48.04%
Free Cash Flow Firm Growth	0.00%	0.00%	76.70%	101.08%	-7,585.42%
Invested Capital Growth	0.00%	290.31%	18.46%	0.84%	13.54%
Revenue Q/Q Growth	0.00%	0.00%	-3.18%	3.58%	7.80%
EBITDA Q/Q Growth	0.00%	0.00%	-4.75%	17.07%	19.79%
EBIT Q/Q Growth	0.00%	0.00%	-4.80%	19.65%	17.54%
NOPAT Q/Q Growth	0.00%	0.00%	-4.03%	19.71%	17.37%
Net Income Q/Q Growth	0.00%	0.00%	-4.03%	19.71%	17.37%
EPS Q/Q Growth	0.00%	0.00%	-40.91%	26.32%	17.50%
Operating Cash Flow Q/Q Growth	0.00%	23.67%	-5.84%	41.54%	-5.61%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	108.66%	-108.03%
Invested Capital Q/Q Growth	0.00%	0.00%	2.41%	0.55%	6.44%
Profitability Metrics	-	-	-	-	-
EBITDA Margin	30.67%	15.89%	24.36%	21.40%	32.43%
EBIT Margin	27.47%	13.96%	23.16%	20.49%	31.22%
Profit (Net Income) Margin	20.30%	10.86%	17.24%	15.22%	23.38%
Tax Burden Percent	73.88%	77.80%	74.45%	74.31%	74.88%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	26.12%	22.20%	25.55%	25.69%	25.12%
Return on Invested Capital (ROIC)	4.69%	1.29%	1.21%	1.00%	1.81%
ROIC Less NNEP Spread (ROIC-NNEP)	4.69%	1.29%	1.21%	1.00%	1.81%
Return on Net Nonoperating Assets (RNNOA)	0.55%	0.98%	1.51%	1.40%	2.76%
Return on Equity (ROE)	5.23%	2.27%	2.72%	2.40%	4.57%
Cash Return on Invested Capital (CROIC)	0.00%	-117.13%	-15.69%	0.16%	-10.88%
Operating Return on Assets (OROA)	0.82%	0.40%	0.51%	0.40%	0.69%
Return on Assets (ROA)	0.61%	0.31%	0.38%	0.30%	0.51%
Return on Common Equity (ROCE)	5.23%	2.27%	2.72%	2.40%	4.57%
Return on Equity Simple (ROE_SIMPLE)	5.23%	1.67%	2.70%	2.37%	4.52%
Net Operating Profit after Tax (NOPAT)	4.04	2.72	4.46	3.99	7.77
NOPAT Margin	20.30%	10.86%	17.24%	15.22%	23.38%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	58.51%	49.05%	56.14%	60.44%	48.81%
Operating Expenses to Revenue	70.72%	74.30%	73.73%	78.85%	64.16%
Earnings before Interest and Taxes (EBIT)	5.47	3.50	5.99	5.37	10
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	6.11	3.98	6.30	5.61	11
Valuation Ratios	-	-	-	-	-
Price to Book Value (P/BV)	1.38	0.91	0.72	0.80	0.89
Price to Tangible Book Value (P/TBV)	1.38	0.91	0.72	0.80	0.89
Price to Revenue (P/Rev)	5.34	5.88	4.56	5.16	4.60
Price to Earnings (P/E)	26.32	54.14	26.46	33.90	19.68
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.80%	1.85%	3.78%	2.95%	5.08%
Enterprise Value to Invested Capital (EV/IC)	1.25	0.94	0.87	0.90	0.93
Enterprise Value to Revenue (EV/Rev)	5.43	12.69	13.47	13.86	12.80
Enterprise Value to EBITDA (EV/EBITDA)	17.69	79.86	55.30	64.77	39.48
Enterprise Value to EBIT (EV/EBIT)	19.75	90.92	58.17	67.66	41.01
Enterprise Value to NOPAT (EV/NOPAT)	26.73	116.85	78.13	91.05	54.77
Enterprise Value to Operating Cash Flow (EV/OCF)	16.75	40.91	54.11	57.71	46.17
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	582.33	0.00
Leverage & Solvency	-	-	-	-	-
Debt to Equity	0.12	1.07	1.42	1.39	1.66
Long-Term Debt to Equity	0.12	1.07	1.42	1.39	1.66
Financial Leverage	0.12	0.76	1.25	1.40	1.53
Leverage Ratio	8.63	7.21	7.16	8.10	8.89
Compound Leverage Factor	8.63	7.21	7.16	8.10	8.89
Debt to Total Capital	10.43%	51.67%	58.66%	58.17%	62.36%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	10.43%	51.67%	58.66%	58.17%	62.36%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	89.57%	48.33%	41.34%	41.83%	37.64%
Debt to EBITDA	1.47	43.72	37.17	41.71	26.42
Net Debt to EBITDA	0.27	42.86	36.57	40.65	25.29
Long-Term Debt to EBITDA	1.47	43.72	37.17	41.71	26.42
Debt to NOPAT	2.23	63.97	52.51	58.63	36.65
Net Debt to NOPAT	0.41	62.71	51.66	57.15	35.09
Long-Term Debt to NOPAT	2.23	63.97	52.51	58.63	36.65
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-248	-58	0.62	-47
Operating Cash Flow to CapEx	6,200.96%	3,597.22%	1,920.60%	10,495.00%	4,308.41%
Free Cash Flow to Firm to Interest Expense	0.00	-44.92	-1.92	0.01	-1.01
Operating Cash Flow to Interest Expense	1.75	1.41	0.21	0.15	0.20
Operating Cash Flow Less CapEx to Interest Expense	1.72	1.37	0.20	0.15	0.19
Efficiency Ratios	-	-	-	-	-
Asset Turnover	0.03	0.03	0.02	0.02	0.02
Fixed Asset Turnover	5.26	6.69	6.94	7.22	9.58
Capital & Investment Metrics	-	-	-	-	-
Invested Capital	86	337	399	402	457
Invested Capital Turnover	0.23	0.12	0.07	0.07	0.08
Increase / (Decrease) in Invested Capital	0.00	250	62	3.37	54
Enterprise Value (EV)	108	318	348	363	426
Market Capitalization	106	147	118	135	153
Book Value per Share	$7.26	$17.74	$17.56	$18.46	$19.54
Tangible Book Value per Share	$7.26	$17.74	$17.56	$18.46	$19.54
Total Capital	86	337	399	402	457
Total Debt	9.00	174	234	234	285
Total Long-Term Debt	9.00	174	234	234	285
Net Debt	1.67	171	230	228	273
Capital Expenditures (CapEx)	0.10	0.22	0.34	0.06	0.21
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	9.00	174	234	234	285
Total Depreciation and Amortization (D&A)	0.64	0.48	0.31	0.24	0.40
Earnings Adjustments	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.32	$0.53	$0.48	$0.96
Adjusted Weighted Average Basic Shares Outstanding	0.00	8.46M	8.47M	8.26M	8.10M
Adjusted Diluted Earnings per Share	$0.00	$0.32	$0.52	$0.48	$0.94
Adjusted Weighted Average Diluted Shares Outstanding	0.00	8.46M	8.52M	8.35M	8.31M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	9.18M	9.24M	9.06M	8.78M
Normalized Net Operating Profit after Tax (NOPAT)	4.04	2.72	4.46	3.99	7.77
Normalized NOPAT Margin	20.30%	10.86%	17.24%	15.22%	23.38%
Pre Tax Income Margin	27.47%	13.96%	23.16%	20.49%	31.22%
Debt Service Ratios	-	-	-	-	-
EBIT to Interest Expense	1.49	0.63	0.20	0.13	0.22
NOPAT to Interest Expense	1.10	0.49	0.15	0.09	0.17
EBIT Less CapEx to Interest Expense	1.46	0.59	0.19	0.13	0.22
NOPAT Less CapEx to Interest Expense	1.07	0.45	0.14	0.09	0.16
Payout Ratios	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	49.93%	68.20%	59.32%

This table displays calculated financial ratios and metrics derived from ECB Bancorp's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	9,175,247.00	9,388,678.00	9,243,578.00	9,217,122.00	9,187,871.00	-	9,056,814.00	9,027,681.00	8,851,046.00	8,796,890.00	8,778,585.00
DEI Adjusted Shares Outstanding	9,175,247.00	9,388,678.00	9,243,578.00	9,217,122.00	9,187,871.00	-	9,056,814.00	9,027,681.00	8,851,046.00	8,796,890.00	8,778,585.00
DEI Earnings Per Adjusted Shares Outstanding	0.15	0.08	0.07	0.09	0.12	-	0.14	0.16	0.28	0.30	0.36
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-5.31%	-12.04%	-5.84%	-5.08%	2.92%	14.63%	11.42%	27.18%	33.39%	33.84%	46.86%
EBITDA Growth	236.74%	-21.42%	-29.79%	-34.95%	-8.68%	71.01%	96.18%	64.67%	104.07%	75.55%	136.80%
EBIT Growth	221.90%	-22.24%	-31.80%	-44.87%	-13.64%	83.52%	106.85%	80.15%	111.70%	79.93%	147.70%
NOPAT Growth	231.12%	-19.16%	-31.08%	-44.49%	-15.51%	83.27%	108.86%	82.05%	115.27%	79.53%	140.71%
Net Income Growth	229.57%	-19.16%	-31.08%	-44.49%	-15.51%	83.27%	108.86%	82.05%	115.27%	79.53%	140.71%
EPS Growth	233.33%	-81.82%	-36.36%	-47.06%	-12.50%	125.00%	128.57%	88.89%	107.14%	77.78%	137.50%
Operating Cash Flow Growth	-86.66%	-13.17%	-130.38%	-29.86%	107.47%	70.24%	-47.09%	36.72%	367.48%	-10.86%	545.32%
Free Cash Flow Firm Growth	16.90%	0.00%	95.11%	103.12%	94.68%	96.87%	36.46%	-559.89%	-183.24%	-2,600.94%	-170.12%
Invested Capital Growth	84.13%	18.46%	5.04%	-2.05%	2.71%	0.84%	3.28%	10.92%	7.27%	13.54%	8.49%
Revenue Q/Q Growth	-3.48%	-3.25%	0.16%	1.48%	4.65%	7.76%	-2.65%	15.84%	9.76%	8.13%	6.82%
EBITDA Q/Q Growth	-8.72%	-37.08%	-20.40%	42.31%	28.12%	23.36%	-9.69%	24.72%	58.77%	2.49%	21.82%
EBIT Q/Q Growth	-7.62%	-40.71%	-21.21%	27.76%	44.68%	26.01%	-11.20%	11.27%	70.03%	7.09%	22.25%
NOPAT Q/Q Growth	-5.89%	-41.16%	-21.29%	27.38%	43.24%	27.63%	-10.30%	11.03%	69.38%	6.44%	20.26%
Net Income Q/Q Growth	-5.89%	-41.16%	-21.29%	27.38%	43.24%	27.63%	-10.30%	11.03%	69.38%	6.44%	20.26%
EPS Q/Q Growth	-5.88%	-50.00%	-12.50%	28.57%	55.56%	28.57%	-11.11%	6.25%	70.59%	10.34%	18.75%
Operating Cash Flow Q/Q Growth	-79.00%	533.98%	-116.31%	423.08%	-37.88%	420.21%	-114.31%	400.32%	112.40%	-2.34%	-28.52%
Free Cash Flow Firm Q/Q Growth	38.39%	65.25%	70.53%	149.52%	-205.00%	79.57%	-498.23%	-258.41%	35.33%	-94.79%	40.17%
Invested Capital Q/Q Growth	-2.29%	2.41%	-2.28%	0.17%	2.45%	0.55%	0.08%	7.58%	-0.92%	6.44%	-4.38%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	28.57%	18.58%	14.77%	20.71%	25.35%	27.72%	26.00%	26.81%	38.79%	36.76%	41.93%
EBIT Margin	27.79%	17.03%	13.40%	16.87%	23.32%	27.27%	24.87%	23.89%	37.01%	36.66%	41.95%
Profit (Net Income) Margin	20.93%	12.73%	10.00%	12.55%	17.18%	20.35%	18.75%	17.97%	27.73%	27.29%	30.73%
Tax Burden Percent	75.29%	74.72%	74.64%	74.41%	73.67%	74.61%	75.36%	75.20%	74.91%	74.45%	73.23%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.71%	25.28%	25.36%	25.59%	26.33%	25.39%	24.64%	24.80%	25.09%	25.55%	26.77%
Return on Invested Capital (ROIC)	1.86%	0.89%	0.67%	0.80%	1.10%	1.33%	1.27%	1.25%	2.06%	2.11%	2.67%
ROIC Less NNEP Spread (ROIC-NNEP)	1.86%	0.89%	0.67%	0.80%	1.10%	1.33%	1.27%	1.25%	2.06%	2.11%	2.67%
Return on Net Nonoperating Assets (RNNOA)	1.56%	1.11%	0.88%	1.11%	1.52%	1.87%	1.74%	1.82%	3.04%	3.22%	3.84%
Return on Equity (ROE)	3.42%	2.01%	1.55%	1.90%	2.62%	3.20%	3.02%	3.07%	5.10%	5.33%	6.51%
Cash Return on Invested Capital (CROIC)	0.00%	-15.69%	-3.82%	2.97%	-1.82%	0.16%	-2.05%	-9.06%	-5.42%	-10.88%	-5.85%
Operating Return on Assets (OROA)	0.71%	0.38%	0.28%	0.33%	0.46%	0.53%	0.49%	0.48%	0.78%	0.81%	0.99%
Return on Assets (ROA)	0.54%	0.28%	0.21%	0.25%	0.34%	0.40%	0.37%	0.36%	0.59%	0.60%	0.72%
Return on Common Equity (ROCE)	3.42%	2.01%	1.55%	1.90%	2.62%	3.20%	3.02%	3.07%	5.10%	5.33%	6.51%
Return on Equity Simple (ROE_SIMPLE)	2.81%	0.00%	2.52%	2.13%	2.01%	0.00%	2.77%	3.16%	3.91%	0.00%	5.46%
Net Operating Profit after Tax (NOPAT)	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
NOPAT Margin	20.93%	12.73%	10.00%	12.55%	17.18%	20.35%	18.75%	17.97%	27.73%	27.29%	30.73%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	56.69%	61.34%	64.85%	60.04%	59.12%	58.17%	57.58%	47.14%	46.95%	45.56%	42.39%
Operating Expenses to Revenue	75.08%	81.23%	84.24%	78.50%	75.98%	77.11%	75.27%	62.13%	60.91%	60.81%	56.54%
Earnings before Interest and Taxes (EBIT)	1.78	1.06	0.83	1.06	1.54	1.94	1.72	1.92	3.26	3.49	4.26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1.83	1.15	0.92	1.31	1.67	1.97	1.80	2.15	3.41	3.50	4.26
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.61	0.72	0.72	0.69	0.79	0.80	0.81	0.83	0.83	0.89	0.83
Price to Tangible Book Value (P/TBV)	0.61	0.72	0.72	0.69	0.79	0.80	0.81	0.83	0.83	0.89	0.83
Price to Revenue (P/Rev)	3.77	4.56	4.71	4.58	5.20	5.16	5.10	4.87	4.56	4.60	4.03
Price to Earnings (P/E)	21.69	26.46	28.73	32.48	39.46	33.90	29.40	26.22	21.21	19.68	15.30
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	4.61%	3.78%	3.48%	3.08%	2.53%	2.95%	3.40%	3.81%	4.71%	5.08%	6.53%
Enterprise Value to Invested Capital (EV/IC)	0.82	0.87	0.88	0.86	0.90	0.90	0.91	0.92	0.91	0.93	0.90
Enterprise Value to Revenue (EV/Rev)	12.04	13.47	13.41	13.39	14.25	13.86	13.62	13.89	12.61	12.80	10.78
Enterprise Value to EBITDA (EV/EBITDA)	48.61	55.30	57.81	64.60	71.46	64.77	54.18	54.80	43.21	39.48	29.69
Enterprise Value to EBIT (EV/EBIT)	51.10	58.17	61.00	71.06	80.33	67.66	58.58	55.94	44.05	41.01	30.43
Enterprise Value to NOPAT (EV/NOPAT)	69.20	78.13	81.76	94.93	108.15	91.05	78.57	74.84	58.73	54.77	40.97
Enterprise Value to Operating Cash Flow (EV/OCF)	47.02	54.11	74.33	84.00	81.05	57.71	60.85	60.25	39.82	46.17	31.05
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	28.72	0.00	582.33	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.35	1.42	1.35	1.35	1.41	1.39	1.39	1.57	1.53	1.66	1.48
Long-Term Debt to Equity	1.35	1.42	1.35	1.35	1.41	1.39	1.39	1.57	1.53	1.66	1.48
Financial Leverage	0.84	1.25	1.31	1.38	1.38	1.40	1.37	1.46	1.47	1.53	1.44
Leverage Ratio	6.39	7.16	7.48	7.65	7.76	8.10	8.24	8.52	8.68	8.89	9.01
Compound Leverage Factor	6.39	7.16	7.48	7.65	7.76	8.10	8.24	8.52	8.68	8.89	9.01
Debt to Total Capital	57.51%	58.66%	57.47%	57.37%	58.49%	58.17%	58.13%	61.15%	60.55%	62.36%	59.72%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	57.51%	58.66%	57.47%	57.37%	58.49%	58.17%	58.13%	61.15%	60.55%	62.36%	59.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	42.49%	41.34%	42.53%	42.63%	41.51%	41.83%	41.87%	38.85%	39.45%	37.64%	40.28%
Debt to EBITDA	33.89	37.17	37.93	43.04	46.37	41.71	34.57	36.48	28.87	26.42	19.70
Net Debt to EBITDA	33.37	36.57	37.49	42.50	45.39	40.65	33.91	35.60	27.61	25.29	18.60
Long-Term Debt to EBITDA	33.89	37.17	37.93	43.04	46.37	41.71	34.57	36.48	28.87	26.42	19.70
Debt to NOPAT	48.24	52.51	53.64	63.24	70.19	58.63	50.14	49.81	39.24	36.65	27.18
Net Debt to NOPAT	47.51	51.66	53.02	62.46	68.69	57.15	49.17	48.62	37.52	35.09	25.66
Long-Term Debt to NOPAT	48.24	52.51	53.64	63.24	70.19	58.63	50.14	49.81	39.24	36.65	27.18
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-177	-61	-18	8.96	-9.40	-1.92	-11	-41	-27	-52	-31
Operating Cash Flow to CapEx	302.92%	2,657.58%	-2,145.00%	3,465.00%	0.00%	0.00%	-3,505.56%	3,790.00%	5,669.01%	5,241.33%	70,250.00%
Free Cash Flow to Firm to Interest Expense	-21.86	-6.85	-1.85	0.86	-0.87	-0.17	-1.05	-3.60	-2.23	-4.36	-2.64
Operating Cash Flow to Interest Expense	0.05	0.29	-0.04	0.13	0.08	0.41	-0.06	0.17	0.34	0.33	0.24
Operating Cash Flow Less CapEx to Interest Expense	0.03	0.28	-0.05	0.13	0.08	0.41	-0.06	0.16	0.33	0.32	0.24
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Fixed Asset Turnover	7.15	6.94	6.94	6.86	6.92	7.22	7.53	8.07	8.79	9.58	10.71
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	390	399	390	390	400	402	403	433	429	457	437
Invested Capital Turnover	0.09	0.07	0.07	0.06	0.06	0.07	0.07	0.07	0.07	0.08	0.09
Increase / (Decrease) in Invested Capital	178	62	19	-8.17	11	3.37	13	43	29	54	34
Enterprise Value (EV)	321	348	341	336	361	363	367	398	389	426	393
Market Capitalization	101	118	120	115	132	135	137	139	140	153	147
Book Value per Share	$18.04	$17.56	$17.94	$18.06	$18.07	$18.46	$18.61	$18.64	$19.13	$19.54	$20.04
Tangible Book Value per Share	$18.04	$17.56	$17.94	$18.06	$18.07	$18.46	$18.61	$18.64	$19.13	$19.54	$20.04
Total Capital	390	399	390	390	400	402	403	433	429	457	437
Total Debt	224	234	224	224	234	234	234	265	260	285	261
Total Long-Term Debt	224	234	224	224	234	234	234	265	260	285	261
Net Debt	221	230	221	221	229	228	229	258	248	273	246
Capital Expenditures (CapEx)	0.14	0.10	0.02	0.04	0.00	0.00	0.02	0.05	0.07	0.08	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	224	234	224	224	234	234	234	265	260	285	261
Total Depreciation and Amortization (D&A)	0.05	0.10	0.09	0.24	0.13	0.03	0.08	0.23	0.16	0.01	-0.00
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.16	$0.09	$0.07	$0.10	$0.14	$0.17	$0.16	$0.18	$0.30	$0.32	$0.39
Adjusted Weighted Average Basic Shares Outstanding	8.49M	8.47M	8.30M	8.27M	8.24M	8.26M	8.21M	8.16M	8.02M	8.10M	8.03M
Adjusted Diluted Earnings per Share	$0.16	$0.08	$0.07	$0.09	$0.14	$0.18	$0.16	$0.17	$0.29	$0.32	$0.38
Adjusted Weighted Average Diluted Shares Outstanding	8.49M	8.52M	8.38M	8.34M	8.34M	8.35M	8.34M	8.37M	8.27M	8.31M	8.30M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	9.39M	9.24M	9.22M	9.19M	9.12M	9.06M	9.03M	8.85M	8.80M	8.78M	8.75M
Normalized Net Operating Profit after Tax (NOPAT)	1.34	0.79	0.62	0.79	1.13	1.45	1.30	1.44	2.44	2.60	3.12
Normalized NOPAT Margin	20.93%	12.73%	10.00%	12.55%	17.18%	20.35%	18.75%	17.97%	27.73%	27.29%	30.73%
Pre Tax Income Margin	27.79%	17.03%	13.40%	16.87%	23.32%	27.27%	24.87%	23.89%	37.01%	36.66%	41.95%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.22	0.12	0.09	0.10	0.14	0.18	0.16	0.17	0.27	0.29	0.36
NOPAT to Interest Expense	0.17	0.09	0.06	0.08	0.10	0.13	0.12	0.13	0.20	0.22	0.27
EBIT Less CapEx to Interest Expense	0.20	0.11	0.08	0.10	0.14	0.18	0.16	0.16	0.27	0.29	0.36
NOPAT Less CapEx to Interest Expense	0.15	0.08	0.06	0.07	0.10	0.13	0.12	0.12	0.20	0.21	0.26
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	12.71%	49.93%	68.34%	95.48%	103.63%	68.20%	59.27%	69.53%	75.49%	59.32%	44.67%

Financials Breakdown Chart

Key Financial Trends

ECB Bancorp (NASDAQ: ECBK) showed a stronger first quarter in 2026 compared with the prior quarter and a much better result than a year ago. The company also appears to have improved liquidity and deposit growth, though its balance sheet remains highly concentrated in deposits and other liabilities, with limited loan balances shown in the reported statements.

Quarter-over-quarter, profitability improved. Net income rose to $3.1 million in Q1 2026 from $2.6 million in Q4 2025. Revenue also increased to $10.2 million from $9.5 million, helped by higher net interest income and modestly better non-interest income.

Year-over-year, the rebound is even clearer. In Q1 2025, ECBK reported just $1.3 million in net income and $6.9 million in revenue. That means Q1 2026 earnings more than doubled, while revenue grew meaningfully as well.

Interest income and margin trends were favorable. Total interest income increased to $21.6 million in Q1 2026 from $21.0 million in Q4 2025 and $17.6 million in Q1 2025. Net interest income improved to $9.8 million, up from $9.2 million and well above the $6.6 million posted in Q1 2025.

Expense control remains an important strength. Total non-interest expense declined to $5.7 million in Q1 2026 from $5.8 million in Q4 2025, while still running above Q1 2025 levels. The company’s quarterly profitability suggests it has been able to offset some of its expense growth with better revenue generation.

Credit costs were manageable in the latest quarter. Provision for credit losses was only $153,000 in Q1 2026, down from $241,000 in Q4 2025, though still above the very low levels seen in earlier periods. That points to relatively stable credit quality, at least based on these filings.

Cash flow was solid in Q1 2026. Operating cash flow came in at $2.8 million, and the company generated a $24.4 million increase in cash and equivalents during the quarter. Financing activity was a major contributor, supported by a $67.1 million net increase in deposits.

Balance sheet liquidity improved, but the structure remains unusual. Total assets rose to $1.65 billion from $1.55 billion in Q3 2025 and $1.45 billion in Q1 2025. However, the reported statements show net loans and leases at $0, while “other assets” make up the bulk of assets. Investors should view this as a sign to study the company’s business mix carefully.

Equity remains stable but modest relative to assets. Total common equity was $175.9 million at the end of Q1 2026, up from $169.3 million in Q3 2025 and $168.6 million in Q1 2025. That said, leverage is still significant, with liabilities of $1.47 billion.

Net income improved to $3.1 million in Q1 2026, up from $2.6 million in Q4 2025 and $1.3 million in Q1 2025.
Revenue growth accelerated to $10.2 million, compared with $9.5 million in Q4 2025 and $6.9 million in Q1 2025.
Net interest income strengthened to $9.8 million, signaling better core earnings power.
Operating cash flow remained positive at $2.8 million in Q1 2026.
Deposits increased sharply, with a $67.1 million net rise during the quarter.
Credit losses provision stayed contained at $153,000.
Expense base was fairly steady, with non-interest expense at $5.7 million.
Share count remained relatively stable, with diluted weighted-average shares at 8.30 million.
Balance sheet composition is unusual, with net loans and leases shown at $0 and assets concentrated in “other assets.”
Leverage remains elevated, as liabilities of $1.47 billion significantly exceed equity of $175.9 million.

Bottom line: ECB Bancorp entered 2026 with better earnings momentum, stronger operating cash flow, and healthy deposit growth. The main caution is the balance sheet structure, which looks atypical and heavily dependent on deposits and other liabilities rather than a traditional loan book. That makes the company’s future earnings quality and asset mix especially important for investors to monitor.

07/16/26 12:44 PM ETAI Generated. May Contain Errors.

ECB Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, ECB Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

ECB Bancorp's net income appears to be on an upward trend, with a most recent value of $7.77 million in 2025, rising from $4.04 million in 2021. The previous period was $3.99 million in 2024. View ECB Bancorp's forecast to see where analysts expect ECB Bancorp to go next.

Over the last 4 years, ECB Bancorp's total revenue changed from $19.92 million in 2021 to $33.24 million in 2025, a change of 66.9%.

ECB Bancorp's total liabilities were at $1.43 billion at the end of 2025, a 14.7% increase from 2024, and a 143.3% increase since 2021.

In the past 4 years, ECB Bancorp's cash and equivalents has ranged from $3.12 million in 2022 to $7.33 million in 2021, and is currently $4.12 million as of their latest financial filing in 2025.

Over the last 4 years, ECB Bancorp's book value per share changed from 7.26 in 2021 to 19.54 in 2025, a change of 169.1%.

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Financial statements for NASDAQ:ECBK last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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ECB Bancorp (ECBK) Financials

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ECB Bancorp (ECBK) Financials

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