ECB Bancorp, Inc.

NASDAQ•ECBK

CEO: Mr. Richard J. O'Neil Jr.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2022-07-28

ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is based in Everett, Massachusetts.

Contact Information

419 Broadway, Everett, MA, 02149, United States

617-387-1110

www.everettbank.com

Market Cap

$150.43M

P/E (TTM)

17.6

14.1

Dividend Yield

52W High

$20.05

52W Low

$14.55

52W Range

46%

Rank47Top 61.9%

3.4

F-Score

Modified Piotroski Analysis

Based on 5-year fundamentals

Weak • 3.4 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2021-2025

Financial Dashboard

Q4 2025 Data

Revenue

$21.40M+0.00%

4-Quarter Trend

EPS

$0.32+0.00%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Quarterly Net Income Growth Net income surged 115.3% to $2.439M for the quarter, driven by improved net interest margin and loan growth.

Net Interest Margin Expansion Three-month NIM expanded 34 basis points to 2.19%, benefiting from higher loan yields and stable funding costs.

Significant Loan Portfolio Growth Gross loans increased $170.5M (14.9%) year-to-date, led by commercial real estate and multi-family loan expansion.

Robust Capital Adequacy Maintained CET1 ratio stands at 13.71% as of September 30, 2025, significantly exceeding the 6.50% minimum requirement.

Risk Factors

Increased Credit Loss Provisioning Provision for credit losses rose sharply to $183K for the quarter, reflecting greater loan growth and potential credit risk.

Funding Cost Sensitivity Rising deposit balances increased total interest expense by 10.1% for the quarter, pressuring future net interest margins.

Real Estate Market Exposure Significant exposure remains in real estate lending, sensitive to fluctuations in residential and commercial market values.

Regulatory Compliance Monitoring Management must continuously monitor capital levels against evolving regulatory standards and potential changes in risk-weighting.

Outlook

Future NIM Stability Future NIM depends on retaining higher loan yields achieved recently while managing potential increases in deposit funding costs.

Managing Credit Quality Forecasts Management continues to use DCF models for CECL estimates, requiring careful evaluation of economic forecasts and loan performance.

Funding Strategy Focus Liquidity relies on deposit retention and FHLB advances; management anticipates retaining a significant portion of maturing deposits.

Ongoing Share Repurchase Plan The company actively executed share repurchases under the May 2025 plan, reducing outstanding shares to 8.83M.

Peer Comparison

Revenue (TTM)

FGBI

$220.51M

-9.9%

BCBP

$166.44M

-15.5%

HNVR

$143.32M

-3.4%

Gross Margin (Latest Quarter)

UBFO

80.5%

+10.2pp

FCAP

76.9%

+4.2pp

EBMT

74.8%

+6.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CFBK	$194.02M	11.0	9.6%	5.8%
UBFO	$183.91M	14.7	9.0%	1.0%
FCAP	$173.39M	10.5	9.2%	0.0%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

6.1%

Steady Growth

4Q Net Income CAGR

26.0%

Profitability Improved

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 23, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data