ECBK

MKT CAP:$161M

ECB Bancorp, Inc.

Market Cap

$161M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$18.28+$0.96 (+5.54%)

Apr 22, 2026

Company Details

ECB Bancorp, Inc. focuses on 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, mo...

CEO

Richard J. O'Neil Jr.

IPO Date

Jul 28, 2022

Website

www.everettbank.com

Key Metrics TTM

Revenue

$83M

+18.6% YoY

Net Income

$10M

EPS (Diluted)

$1.15

Free Cash Flow

$9M

Revenue / Share

$10.03

Gross Margin

29.8%

Operating Margin

10.4%

Net Margin

11.5%

FCF Margin

10.8%

P/S

1.9x

P/E

16.7x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$22M+20.8%EPS $0.38

FY 2025

Mar 25, 2026

$80M+16.5%EPS $0.94

Q4 2025

Mar 25, 2026

$21M+18.0%EPS $0.31

Q3 2025

Nov 7, 2025

$21M+18.9%EPS $0.29

Q2 2025

Aug 8, 2025

$19M+16.7%EPS $0.17

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$7M	$5M	$2M
Q3 22	$8M	$6M	-$1M
Q4 22	$10M	$6M	$1M
Q1 23	$12M	$6M	$1M
Q2 23	$14M	$7M	$2M
Q3 23	$14M	$7M	$2M
Q4 23	$15M	$6M	$1M
Q1 24	$16M	$6M	$832.0K
Q2 24	$17M	$6M	$1M
Q3 24	$17M	$7M	$2M
Q4 24	$18M	$7M	$2M
Q1 25	$18M	$7M	$2M
Q2 25	$19M	$7M	$2M
Q3 25	$21M	$9M	$3M
Q4 25	$21M	$9M	$3M
Q1 26	$22M	$0	$0

Valuation

Quarter	P/S	P/E
Q2 22	6.5x	39.1x
Q3 22	6.0x	92.4x
Q4 22	5.3x	59.1x
Q1 23	4.3x	71.8x
Q2 23	3.6x	70.9x
Q3 23	3.2x	34.6x
Q4 23	2.9x	36.1x
Q1 24	2.7x	38.5x
Q2 24	2.6x	45.4x
Q3 24	2.5x	48.2x
Q4 24	2.4x	40.3x
Q1 25	2.3x	34.4x
Q2 25	2.2x	30.2x
Q3 25	2.1x	24.3x
Q4 25	2.0x	20.7x
Q1 26	1.9x	16.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$878.0K	$827.0K
Q2 22	$752.0K	$684.0K
Q3 22	$3M	$3M
Q4 22	$3M	$3M
Q1 23	$1M	$1M
Q2 23	$2M	$2M
Q3 23	$415.0K	$278.0K
Q4 23	$3M	$3M
Q1 24	-$429.0K	-$449.0K
Q2 24	$1M	$1M
Q3 24	$861.0K	$861.0K
Q4 24	$4M	$4M
Q1 25	-$631.0K	-$649.0K
Q2 25	$2M	$2M
Q3 25	$4M	$4M
Q4 25	$4M	$4M

Capital Expenditures

Quarter	CapEx
Q1 22	$51.0K
Q2 22	$68.0K
Q3 22	$58.0K
Q4 22	$39.0K
Q1 23	$12.0K
Q2 23	$87.0K
Q3 23	$137.0K
Q4 23	$99.0K
Q1 24	$20.0K
Q2 24	$40.0K
Q3 24	$0
Q4 24	$0
Q1 25	$18.0K
Q2 25	$50.0K
Q3 25	$71.0K
Q4 25	$75.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+16.2%	+29.6%
Q3 22	+36.9%	+134.8%
Q4 22	+59.7%	+37.0%
Q1 23	+109.7%	+178.0%
Q2 23	+104.7%	+136.2%
Q3 23	+81.3%	+34.5%
Q4 23	+52.9%	+64.8%
Q1 24	+30.2%	+37.0%
Q2 24	+20.0%	+30.5%
Q3 24	+20.5%	+25.3%
Q4 24	+19.7%	+14.9%
Q1 25	+11.8%	+6.6%
Q2 25	+16.7%	+12.4%
Q3 25	+18.9%	+9.9%
Q4 25	+18.0%	+10.6%
Q1 26	+20.8%	+33.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$0	0.0%
Q2 22	$0	0.0%
Q3 22	$215.0K	2.7%
Q4 22	$344.0K	3.5%
Q1 23	$139.0K	1.1%
Q2 23	$112.0K	0.8%
Q3 23	$134.0K	0.9%
Q4 23	$353.0K	2.3%
Q1 24	$443.0K	2.8%
Q2 24	$438.0K	2.6%
Q3 24	$452.0K	2.6%
Q4 24	$536.0K	3.0%
Q1 25	$453.0K	2.5%
Q2 25	$424.0K	2.2%
Q3 25	$466.0K	2.2%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$2M	$138.0K
Q3 22	$3M	$236.0K
Q4 22	$3M	$241.0K
Q1 23	$3M	$168.0K
Q2 23	$3M	$208.0K
Q3 23	$3M	$201.0K
Q4 23	$3M	$218.0K
Q1 24	$4M	$131.0K
Q2 24	$4M	$106.0K
Q3 24	$4M	$159.0K
Q4 24	$4M	$155.0K
Q1 25	$4M	$132.0K
Q2 25	$264.0K	$189.0K
Q3 25	$4M	$172.0K
Q4 25	$496.0K	$146.0K
Q1 26	$447.0K	$198.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$39M	$5M	$44M
Q3 22	$35M	$5M	$39M
Q4 22	$62M	$5M	$67M
Q1 23	$67M	$5M	$72M
Q2 23	$80M	$5M	$85M
Q3 23	$97M	$5M	$102M
Q4 23	$119M	$5M	$124M
Q1 24	$112M	$3M	$115M
Q2 24	$111M	$0	$111M
Q3 24	$120M	$4M	$124M
Q4 24	$158M	$15M	$172M
Q1 25	$148M	$16M	$165M
Q2 25	$99M	$14M	$113M
Q3 25	$111M	$10M	$121M
Q4 25	$4M	$83M	$87M
Q1 26	$3M	$108M	$111M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	9M	-25.0%	-25.0%
Q3 22	8M	-8.0%	-31.0%
Q4 22	8M	+0.1%	-30.9%
Q1 23	8M	+0.3%	-30.7%
Q2 23	8M	+0.1%	-7.5%
Q3 23	8M	-0.0%	+0.5%
Q4 23	8M	-0.6%	-0.3%
Q1 24	8M	-0.7%	-1.2%
Q2 24	8M	-0.4%	-1.7%
Q3 24	8M	+0.0%	-1.7%
Q4 24	8M	+0.4%	-0.7%
Q1 25	8M	-0.4%	-0.4%
Q2 25	8M	+0.3%	+0.3%
Q3 25	8M	-0.5%	-0.2%
Q4 25	8M	-0.8%	-1.4%
Q1 26	8M	+0.5%	-0.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	—	—
Q3 22	—	—
Q4 22	$150.2K	66
Q1 23	$186.2K	66
Q2 23	$210.5K	66
Q3 23	$219.5K	66
Q4 23	$222.9K	68
Q1 24	$235.3K	68
Q2 24	$245.2K	68
Q3 24	$256.8K	68
Q4 24	$283.4K	64
Q1 25	$279.6K	64
Q2 25	$304.0K	64
Q3 25	$324.3K	64
Q4 25	$334.4K	64
Q1 26	$337.7K	64

Revenue / Employee