1.Sales and profit
See section →- ECB Bancorp, Inc. /MD/ had $0.6M of revenue in fiscal 2025, up 3.6% on the year before.
- ECB Bancorp, Inc. /MD/ made $7.8M of net profit in fiscal 2025.
ECB Bancorp, Inc. /MD/
ECBK Nasdaq Savings Institutions, Not Federally Chartered Financials FY2021–FY2025
ECB Bancorp, Inc. /MD/ had $0.6M of revenue in fiscal 2025, up 3.6% on the year before.
Download report
3-page PDF: the company, its results and charts with peers.
Last close · Oct 23, 2026
$21.66
1.5%KIRA’s summary AI analyst
Hi! I read ECB Bancorp, Inc. /MD/’s latest annual report (fiscal 2025). Here is what stands out:
2 strengths 1 to watch
2.Cash and shareholders
See section →- ECB Bancorp, Inc. /MD/ returned $4.6M to shareholders in fiscal 2025, 51% of free cash flow. The diluted share count fell 0.4%.
- No open-market insider trades in the last 12 months.
3.Financial health
See section →- It earned 4.6% on shareholders’ money. Running costs took 3,566.9% of revenue (the efficiency ratio; lower is better).
ECB Bancorp, Inc. /MD/ in 30 seconds
Good So-so Weak
So-so
Are sales growing?
+3.6%
Only a little. Sales grew 3.6% last year.
Good
Does it make a profit?
1,299.7%
Yes. It keeps 1,299.7% of every sale as profit.
Weak
How lean are its costs?
3,566.9%
Costly. Running costs take 3,566.9% of revenue.
Weak
How much does it earn on its capital?
4.6%
Low. It earns 4.6% a year on shareholders’ money.
For information
How is the share priced?
15.7x
One share costs 15.7 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$181M
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
15.7x
On $1.38 EPS (TTM)
Charts by
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days ECB Bancorp, Inc. /MD/ did it, and the next one. Share prices often move a lot on those days.
Next results
February 4, 2027
Thursday · in 101 days
- Time
- Before the market opens
- Covers
- Period ended Dec 31, 2026
- Source
- Stoqly estimate
Estimated from the same quarter last year. It will be replaced by the announced date once there is one.
See who else reports that week →| Date | Results for | Time | Source |
|---|---|---|---|
| Oct 22, 2026 | Period ended Sep 30, 2026 | Before the market opens | 8-K ↗ |
| Jul 23, 2026 | Q2 '26 | Before the market opens | 8-K ↗ |
| Apr 23, 2026 | Q1 '26 | After the market closes | 8-K ↗ |
| Feb 5, 2026 | Q4 '25 | Before the market opens | 8-K ↗ |
| Oct 22, 2025 | Q3 '25 | After the market closes | 8-K ↗ |
| Jul 24, 2025 | Q2 '25 | Before the market opens | 8-K ↗ |
| Apr 24, 2025 | Q1 '25 | Before the market opens | 8-K ↗ |
| Feb 5, 2025 | Q4 '24 | Before the market opens | 8-K ↗ |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA · ECB Bancorp, Inc. /MD/ had $0.6M of revenue in fiscal 2025, up 3.6% on the year before.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
FY21
Revenue $19.9M
FY22
Revenue $25.0M
FY23
Revenue $25.8M
FY24
Revenue $0.6M
FY25
Revenue $0.6M
Revenue
Q3 '23
Revenue $6.4M
Q4 '23
Revenue $6.2M
Q1 '24
Revenue $6.2M
Q2 '24
Revenue $6.3M
Q3 '24
Revenue $6.6M
Q4 '24
Revenue $7.1M
Q1 '25
Revenue $0.1M
Q2 '25
Revenue $0.2M
Q3 '25
Revenue $8.8M
Q4 '25
Revenue $9.5M
Q1 '26
Revenue $0.2M
Q2 '26
Revenue $0.2M
Net interest income share and efficiency ratio
FY21
Net interest share 93.9%
Efficiency ratio 70.7%
FY22
Net interest share 94.4%
Efficiency ratio 74.3%
FY23
Net interest share 95.9%
Efficiency ratio 73.7%
FY24
Net interest share 4,330.7%
Efficiency ratio 3,582.1%
FY25
Net interest share 5,337.3%
Efficiency ratio 3,566.9%
Net interest share
Efficiency ratio
Net interest income share and efficiency ratio
Q3 '23
Net interest share 95.0%
Efficiency ratio 75.1%
Q4 '23
Net interest share 95.8%
Efficiency ratio 81.3%
Q1 '24
Net interest share 95.1%
Efficiency ratio 84.2%
Q2 '24
Net interest share 95.4%
Efficiency ratio 78.5%
Q3 '24
Net interest share 95.4%
Efficiency ratio 76.0%
Q4 '24
Net interest share 95.4%
Efficiency ratio 77.1%
Q1 '25
Net interest share 4,748.6%
Efficiency ratio 3,720.0%
Q2 '25
Net interest share 4,974.0%
Efficiency ratio 3,233.8%
Q3 '25
Net interest share 96.1%
Efficiency ratio 60.9%
Q4 '25
Net interest share 96.2%
Efficiency ratio 60.8%
Q1 '26
Net interest share 6,344.5%
Efficiency ratio 3,706.5%
Q2 '26
Net interest share 6,602.0%
Efficiency ratio 3,823.7%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · ECB Bancorp, Inc. /MD/ made $7.8M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
FY21
Net income $4.0M
FY22
Net income $2.7M
FY23
Net income $4.5M
FY24
Net income $4.0M
FY25
Net income $7.8M
Net income
Q3 '23
Net income $1.3M
Q4 '23
Net income $0.8M
Q1 '24
Net income $0.6M
Q2 '24
Net income $0.8M
Q3 '24
Net income $1.1M
Q4 '24
Net income $1.4M
Q1 '25
Net income $1.3M
Q2 '25
Net income $1.4M
Q3 '25
Net income $2.4M
Q4 '25
Net income $2.6M
Q1 '26
Net income $3.1M
Q2 '26
Net income $3.3M
Diluted EPS
FY21
Diluted EPS —
FY22
Diluted EPS $0.32
FY23
Diluted EPS $0.52
FY24
Diluted EPS $0.48
FY25
Diluted EPS $0.94
Diluted EPS
Q3 '23
Diluted EPS $0.16
Q4 '23
Diluted EPS $0.08
Q1 '24
Diluted EPS $0.07
Q2 '24
Diluted EPS $0.09
Q3 '24
Diluted EPS $0.14
Q4 '24
Diluted EPS $0.18
Q1 '25
Diluted EPS $0.16
Q2 '25
Diluted EPS $0.17
Q3 '25
Diluted EPS $0.29
Q4 '25
Diluted EPS $0.32
Q1 '26
Diluted EPS $0.38
Q2 '26
Diluted EPS $0.39
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA · ECB Bancorp, Inc. /MD/ returned $4.6M to shareholders in fiscal 2025, 51% of free cash flow. The diluted share count fell 0.4%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
FY21
Dividends —
Buybacks —
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks $2.2M
FY24
Dividends —
Buybacks $2.7M
FY25
Dividends —
Buybacks $4.6M
Dividends
Buybacks
Dividends and buybacks
Q3 '23
Dividends —
Buybacks —
Q4 '23
Dividends —
Buybacks $1.6M
Q1 '24
Dividends —
Buybacks $0.6M
Q2 '24
Dividends —
Buybacks $0.5M
Q3 '24
Dividends —
Buybacks $0.7M
Q4 '24
Dividends —
Buybacks $0.9M
Q1 '25
Dividends —
Buybacks $0.7M
Q2 '25
Dividends —
Buybacks $1.5M
Q3 '25
Dividends —
Buybacks $2.0M
Q4 '25
Dividends —
Buybacks $0.5M
Q1 '26
Dividends —
Buybacks $0.4M
Q2 '26
Dividends —
Buybacks $0.7M
Dividends
Buybacks
Diluted shares outstanding (annual)
FY21
Diluted shares 0.00B
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Insider trades
KIRA · No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
FY21
Loans $517M
Deposits $572M
FY22
Loans $886M
Deposits $718M
FY23
Loans $1.0B
Deposits $868M
FY24
Loans $1.1B
Deposits $999M
FY25
Loans $1.4B
Deposits $1.1B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $517M | $886M | $1.0B | $1.1B | $1.4B |
| Deposits | $572M | $718M | $868M | $999M | $1.1B |
| Loans / deposits | 90.4% | 123.3% | 119.8% | 113.8% | 121.1% |
| Total assets | $666M | $1.1B | $1.3B | $1.4B | $1.6B |
| Shareholders' equity | $77.3M | $163M | $165M | $168M | $172M |
| Provision / loans | 0.1% | 0.3% | 0.1% | 0.0% | 0.1% |
Returns and efficiency
KIRA · It earned 4.6% on shareholders’ money. Running costs took 3,566.9% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
FY21
ROE 5.2%
ROTE 5.2%
Efficiency ratio 70.7%
FY22
ROE 2.3%
ROTE 1.7%
Efficiency ratio 74.3%
FY23
ROE 2.7%
ROTE 2.7%
Efficiency ratio 73.7%
FY24
ROE 2.4%
ROTE 2.4%
Efficiency ratio 3,582.1%
FY25
ROE 4.6%
ROTE 4.5%
Efficiency ratio 3,566.9%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
5 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Income statement | |||||
| Revenue | $19.9M | $25.0M | $25.8M | $0.6M | $0.6M |
| Net interest income | $18.7M | $23.6M | $24.8M | $25.0M | $31.9M |
| Noninterest income | $1.2M | $1.4M | $1.1M | $1.2M | $1.3M |
| Noninterest expense | $14.1M | $18.6M | $19.1M | $20.7M | $21.3M |
| Provision for credit losses | $0.4M | $2.9M | $0.8M | $0.2M | $1.5M |
| Interest expense | $3.7M | $5.5M | $30.0M | — | — |
| Pretax income | $5.5M | $3.5M | $6.0M | $5.4M | $10.4M |
| Income tax | $1.4M | $0.8M | $1.5M | $1.4M | $2.6M |
| Net income | $4.0M | $2.7M | $4.5M | $4.0M | $7.8M |
| Net income to common | — | $2.7M | $4.5M | $4.0M | — |
| Diluted EPS | — | $0.32 | $0.52 | $0.48 | $0.94 |
| Diluted shares | 0.00B | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | |||||
| Cash from operations | $6.4M | $7.8M | $6.4M | $6.2M | $9.2M |
| Capital expenditure | $0.1M | $0.2M | $0.3M | $0.1M | $0.2M |
| Free cash flow | $6.3M | $7.6M | $6.1M | $6.2M | $9.0M |
| Depreciation and amortization | $0.3M | $0.3M | $0.3M | $0.3M | $0.3M |
| Stock-based compensation | $0.0M | $0.6M | $0.5M | $1.3M | $1.2M |
| Share buybacks | — | — | $2.2M | $2.7M | $4.6M |
| Dividends and buybacks | — | — | $2.2M | $2.7M | $4.6M |
| Balance sheet | |||||
| Loans, net | $517M | $886M | $1.0B | $1.1B | $1.4B |
| Deposits | $572M | $718M | $868M | $999M | $1.1B |
| Property and equipment, net | $3.8M | $3.7M | $3.8M | $3.5M | $3.4M |
| Total assets | $666M | $1.1B | $1.3B | $1.4B | $1.6B |
| Total liabilities | $589M | $902M | $1.1B | $1.2B | $1.4B |
| Preferred stock | — | — | — | $0.0M | $0.0M |
| Shareholders' equity | $77.3M | $163M | $165M | $168M | $172M |
| Margins | |||||
| Net margin | 20.3% | 10.9% | 17.2% | 691.7% | 1,299.7% |
| FCF margin | 31.9% | 30.2% | 23.6% | 1,069.0% | 1,506.0% |
| Net interest share of revenue | 93.9% | 94.4% | 95.9% | 4,330.7% | 5,337.3% |
| Efficiency ratio | 70.7% | 74.3% | 73.7% | 3,582.1% | 3,566.9% |
| Returns | |||||
| Return on equity | 5.2% | 2.3% | 2.7% | 2.4% | 4.6% |
| Return on assets | 0.6% | 0.3% | 0.4% | 0.3% | 0.5% |
| Return on tangible equity | 5.2% | 1.7% | 2.7% | 2.4% | 4.5% |
| Growth | |||||
| Revenue growth | — | 25.7% | 3.2% | −97.8% | 3.6% |
| Net income growth | — | −32.7% | 63.8% | −10.4% | 94.7% |
| EPS growth | — | — | 62.5% | −7.7% | 95.8% |
| FCF growth | — | 19.1% | −19.3% | 1.1% | 46.0% |
| Share count change | — | — | 0.8% | −2.1% | −0.4% |
| Financial health | |||||
| Loans / deposits | 90.4% | 123.3% | 119.8% | 113.8% | 121.1% |
| Provision / loans | 0.1% | 0.3% | 0.1% | 0.0% | 0.1% |
| Capital allocation | |||||
| Capex / revenue | 0.5% | 0.9% | 1.3% | 10.4% | 35.8% |
| Stock comp / revenue | 0.0% | 2.2% | 1.8% | 226.3% | 206.2% |
| Payouts / FCF | — | — | 36.5% | 44.1% | 51.2% |
| Quality scores | |||||
| Accruals ratio | −0.4% | −0.6% | −0.2% | −0.2% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001914605). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.