ECB Bancorp, Inc. /MD/
ECBK Nasdaq· Savings Institutions, Not Federally Chartered
Last close · Oct 26, 2026
$21.17
KIRA · Stoqly’s AI analyst, in plain words
- 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/ returned $4.6M to shareholders in fiscal 2025, 51% of free cash flow. The diluted share count fell 0.4%.
- It earned 4.6% on shareholders’ money. Running costs took 3,566.9% of revenue (the efficiency ratio; lower is better).
Market cap
$176M
P/E
15.3x
Revenue
$0.6M
Net income
$7.8M
Return on equity
4.6%
Efficiency ratio
3,566.9%
ECB Bancorp, Inc. /MD/ in 30 seconds · fiscal 2025
Are sales growing?
+3.6%
Only a little. Sales grew 3.6% last year.
Does it make a profit?
1,299.7%
Yes. It keeps 1,299.7% of every sale as profit.
How lean are its costs?
3,566.9%
Costly. Running costs take 3,566.9% of revenue.
How much does it earn on its capital?
4.6%
Low. It earns 4.6% a year on shareholders’ money.
How is the share priced?
15.3x
One share costs 15.3 times its yearly profit per share.
What ECB Bancorp, Inc. /MD/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 25, 2026
- Legal name
- ECB Bancorp, Inc. /MD/
- CIK
- 0001914605
ECB Bancorp, Inc. /MD/ · ECBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $19.9M | $25.0M | $25.8M | $0.6M | $0.6M |
| Revenue growth | — | 25.7% | 3.2% | −97.8% | 3.6% |
| Net interest income | $18.7M | $23.6M | $24.8M | $25.0M | $31.9M |
| Net income | $4.0M | $2.7M | $4.5M | $4.0M | $7.8M |
| Net margin | 20.3% | 10.9% | 17.2% | 691.7% | 1,299.7% |
| Diluted EPS | — | $0.32 | $0.52 | $0.48 | $0.94 |
| Cash | |||||
| 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 |
| FCF margin | 31.9% | 30.2% | 23.6% | 1,069.0% | 1,506.0% |
| Share buybacks | — | — | $2.2M | $2.7M | $4.6M |
| Share count change | — | — | 0.8% | −2.1% | −0.4% |
| Debt and strength | |||||
| Loans, net | $517M | $886M | $1.0B | $1.1B | $1.4B |
| Deposits | $572M | $718M | $868M | $999M | $1.1B |
| Shareholders' equity | $77.3M | $163M | $165M | $168M | $172M |
| Returns and quality | |||||
| Return on equity | 5.2% | 2.3% | 2.7% | 2.4% | 4.6% |
| Return on tangible equity | 5.2% | 1.7% | 2.7% | 2.4% | 4.5% |
| Efficiency ratio | 70.7% | 74.3% | 73.7% | 3,582.1% | 3,566.9% |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
ECB Bancorp, Inc. /MD/ · ECBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $21.17 a share, the company is worth $176M: 15.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001914605). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.