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ECB Bancorp, Inc.

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
$153.07M
P/E (TTM)
21.4
15.5
Dividend Yield
--
52W High
$17.75
52W Low
$12.56
52W Range
93%
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

Q3 2025 Data

Revenue

$20.76M+18.90%
4-Quarter Trend

EPS

$0.30+114.29%
4-Quarter Trend

FCF

$3.95M+359.23%
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)

BCB Bancorp, Inc.BCBP
$184.62M
-8.7%
First Guaranty Bancshares, Inc.FGBI
$180.76M
-23.8%
Eagle Bancorp Montana, Inc.EBMT
$124.37M
+4.1%

Gross Margin (Latest Quarter)

Eagle Bancorp Montana, Inc.EBMT
71.4%
+7.2pp
Patriot National Bancorp, Inc.PNBK
55.6%
+15.0pp
Richmond Mutual Bancorporation, Inc.RMBI
53.3%
+3.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNBK$171.28M-6.2-35.9%1.7%
FCAP$170.67M16.65.8%0.0%
EBMT$163.81M11.97.5%6.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.6%
Moderate Growth
4Q Net Income CAGR
19.0%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
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EPS:-
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Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $20.76M+18.9%
    |
    EPS: $0.30+114.3%
    N/A

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $19.46M+16.7%
    |
    EPS: $0.18+88.1%
    N/A

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $17.89M+11.8%
    |
    EPS: $0.16+113.9%
    N/A

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 26, 2025|
    Revenue: $68.27M+22.3%
    |
    EPS: $0.48-9.4%
    N/A

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $17.46M+20.5%
    |
    EPS: $0.14-12.5%
    N/A

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $16.68M+20.0%
    |
    EPS: $0.10-43.7%
    N/A

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $16.00M+30.2%
    |
    EPS: $0.07-32.0%
    N/A

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 29, 2024|
    Revenue: $55.83M+82.7%
    |
    EPS: $0.53+65.6%
    N/A