YOLFTbeta
ECB Bancorp Inc.

ECB Bancorp Inc.

ECBK · NASDAQ · Financial Services / Banks - Regional

20.79USD+0.34 (+1.66%)

Price History

Full chart

Market Stats

Previous Close20.45
Open20.68
Day Range20.50 – 20.79
52-Week Range14.83 – 21.78
Volume4.04K
Market Cap180.87M
P/E (TTM)15.00
Forward P/E0.00
EPS1.38
Dividend Yield0.00%
Beta0.45
50-Day Avg20.61
200-Day Avg18.63

About

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, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It 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 headquartered in Everett, Massachusetts.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard J. O'Neil Jr., Esq.
  • Employees64
  • Headquarters419 Broadway, Everett, MA, United States, 02149, USA
  • Websitehttps://www.everettbank.com

Leadership

  • Mr. Richard J. O'Neil Jr., Esq.CEO, President & Director · b. 1958
  • Mr. John A. CitranoSecretary, COO & Executive VP · b. 1964
  • Mr. John MigliozziExecutive VP & Chief Lending Officer · b. 1958
  • Mr. Brandon N. LavertuExecutive VP and Chief Financial Officer · b. 1983
  • Ms. Karen L. ChasseSenior Vice President of Compliance & BSA Officer
  • Eric M. JacksonSenior VP & Head of Residential Lending

Financials

Income Statement

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue22.77M23.60M30.56M55.83M68.27M79.51M
Growth (%)-+3.64%+29.50%+82.70%+22.29%+16.46%
Cost of Revenue5.93M4.04M8.46M30.79M42.23M47.80M
Gross Profit16.84M19.56M22.10M25.04M26.04M31.71M
Gross Margin73.96%82.87%72.33%44.85%38.14%39.88%
Operating Expense10.31M14.09M18.61M19.05M20.67M21.33M
Operating Income6.53M5.47M3.50M5.99M5.37M10.38M
Operating Margin28.69%23.19%11.44%10.72%7.87%13.05%
EBITDA6.88M5.77M3.80M6.26M5.67M10.68M
EBITDA Margin30.23%24.46%12.43%11.22%8.31%13.43%
Net Income4.86M4.04M2.72M4.46M3.99M7.77M
Net Income Margin21.34%17.13%8.90%7.98%5.85%9.78%
Interest Expense5.64M3.68M5.51M29.99M42.06M46.26M
Interest Expense % of Total Revenue24.76%15.60%18.05%53.71%61.60%58.19%

Balance Sheet

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets587.63M666.49M1.06B1.28B1.42B1.61B
Total Liabilities514.59M589.22M901.73M1.12B1.25B1.43B
Total Equity73.03M77.27M162.73M164.90M168.27M171.93M
Cash43.41M52.98M62.35M119.04M157.72M94.92M
Total Debt18.00M9.00M174.00M234.00M234.00M284.81M
Net Debt-25.41M-43.98M111.65M114.96M76.28M189.90M

Cash Flow

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.08M6.45M7.77M6.43M6.30M9.22M
Investing Cash Flow-55.67M-68.22M-389.34M-157.29M-95.29M-259.90M
Financing Cash Flow63.59M71.33M390.64M207.84M127.57M179.99M
Capital Expenditure110.00K104.00K216.00K335.00K60.00K214.00K
Free Cash Flow4.97M6.34M7.55M6.10M6.24M9.01M
FCF to OCF97.83%98.39%97.22%94.79%99.05%97.68%

Earnings

Report DateMay 20, 2022Aug 12, 2022Nov 10, 2022Mar 30, 2023May 12, 2023Aug 11, 2023Nov 9, 2023Dec 31, 2023May 10, 2024Aug 9, 2024Nov 9, 2024Feb 5, 2025May 9, 2025Aug 9, 2025Nov 10, 2025Dec 31, 2025May 8, 2026Jul 23, 2026Oct 28, 2026
EPS Estimate0.000.00-----------------
EPS Actual0.450.16-0.120.110.110.170.160.090.070.090.140.170.160.170.290.310.380.39-
Surprise-------------------
Timing----Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----

Key Statistics & Ratios

Market Cap180.87M
Enterprise Value326.87M
Trailing P/E15.00
Forward P/E0.00
Price / Sales4.74
Price / Book0.98
EPS1.38
Book Value20.56
Revenue (TTM)38.17M
Gross Profit (TTM)38.17M
Profit Margin29.91%
Operating Margin45.81%
Return on Equity6.56%
Return on Assets0.72%
Shares Outstanding8.74M
Shares Float7.97M
Beta0.45
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
30.51%
Insiders
17.15%
Retail / Other
52.34%

Top Institutional Holders

  • AllianceBernstein L.P.
    787.28K9.01%
  • BlackRock Inc
    394.65K4.52%
  • Vanguard Capital Management, LLC
    383.92K4.39%
  • Geode Capital Management, LLC
    154.25K1.77%
  • Sachetta LLC
    118.85K1.36%
  • Renaissance Technologies Corp
    87.87K1.01%
  • State Street Corp
    79.59K0.91%
  • Northern Trust Corp
    63.40K0.73%
  • Oppenheimer & Close Inc
    61.01K0.70%
  • Maltese Capital Management LLC
    55.20K0.63%
  • Covalent Partners LLC
    50.00K0.57%
  • Minerva Advisors LLC
    49.94K0.57%
  • Vanguard Fiduciary Trust Co
    48.45K0.55%
  • Morgan Stanley - Brokerage Accounts
    43.86K0.50%
  • Vanguard Portfolio Management, LLC
    43.25K0.49%
  • HighTower Advisors, LLC
    43.01K0.49%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    250.10K2.86%
  • iShares Russell 2000 ETF
    111.73K1.28%
  • Fidelity Small Cap Index
    74.95K0.86%
  • iShares Russell 2000 Value ETF
    69.79K0.80%