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Company Analysis

ECB Bancorp, Inc. ECBK

A comprehensive view of key metrics, scores, and financial health for ECB Bancorp, Inc.

Overview of ECB Bancorp, Inc.

ECBK NCM
Financial Services Banks - Regional Micro Cap
ECB Bancorp, Inc. (ECBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $16.62, about 27.7% undervalued vs fair value, +10.2% 1Y return, ranked 776/1004 in sector.
$16.62
-0.95%
As of March 13, 2026
Previous close • Vol 90d: 21.0%
52-Week Range
Market Cap
$146.20M
Enterprise Value
$426.90M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.everettbank.com
HQ Everett, MA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$12
$21
$40
Current: $16.62 +28% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$67.0M
22.4%%
Interest Expense
$46.3M
Net Interest Income
$25.0M
0.8%%
Total Revenue
$79.5M
203.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.7M
68.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating ECB Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
28
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
38
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ECBK's balance between Growth (76.8%), Profitability (12.4%), and Safety (10.8%). Growth 77% Safety 11% Profitability 12%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

93th percentile vs peers
94
Key Signals
Rev Growth YoY 2.03 97p Revenue CAGR 3Y 47.0% 97p Asset Growth YoY 13.2% 85p
Strengths
  • Growth performance in top 20% of peers (percentile: 93)
  • Rev Growth Yoy in top 20% of peers (2.03, 97th percentile)
  • Revenue Cagr 3Y in top 20% of peers (47.0%, 97th percentile)
  • Asset Growth Yoy in top 20% of peers (13.2%, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

15th percentile vs peers
15
Key Signals
Strengths
Risks
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Safety

13th percentile vs peers
13
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for ECB Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$21.22
- - -
+27.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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