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ECB Bancorp, Inc.

ECB Bancorp, Inc.

NASDAQ•ECBK
CEO: Mr. Richard J. O'Neil Jr.
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
419 Broadway, Everett, MA, 02149, United States
617-387-1110
www.everettbank.com
時価総額
$159.22M
PER (TTM)
18.7
15
配当利回り
--
52週高値
$18.75
52週安値
$14.11
52週レンジ
86%
順位47Top 61.9%
3.4
F-Score
改良版 Piotroski 分析
5年ファンダメンタル
弱い • 3.4 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2021-2025

財務ダッシュボード

Q4 2025 データ

売上高

$20.07M+0.00%
直近4四半期の推移

EPS

$0.32+0.00%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
BCB Bancorp, Inc.BCBP
$166.44M
-15.5%
Hanover Bancorp, Inc.HNVR
$143.32M
-3.4%

粗利益率 (最新四半期)

United Security BancsharesUBFO
80.5%
+10.2pp
First Capital, Inc.FCAP
76.9%
+4.2pp
Eagle Bancorp Montana, Inc.EBMT
74.8%
+6.8pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFBK$204.98M11.67.4%5.8%
UBFO$192.82M15.49.0%1.0%
CZWI$182.42M12.77.8%2.9%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.9%
緩やかな成長
4四半期純利益CAGR
26.0%
収益性の大幅な改善
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $20.76M+18.9%
    |
    EPS: $0.30+114.3%
    不明

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $19.46M+16.7%
    |
    EPS: $0.18+88.1%
    不明

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $17.89M+11.8%
    |
    EPS: $0.16+113.9%
    不明

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月26日|
    売上高: $68.27M+22.3%
    |
    EPS: $0.48-9.4%
    不明

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $17.46M+20.5%
    |
    EPS: $0.14-12.5%
    不明

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $16.68M+20.0%
    |
    EPS: $0.10-43.7%
    不明

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $16.00M+30.2%
    |
    EPS: $0.07-32.0%
    不明

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月29日|
    売上高: $55.83M+82.7%
    |
    EPS: $0.53+65.6%
    不明