ECB Bancorp, Inc. /MD/

ECBK

ECB Bancorp, Inc. /MD/

ECBK

Insider Sentiment (TTM):

Last Purchase:2026-04-30Last Sale:2024-05-06Shares Purchased (TTM):4,053Shares Sold (TTM):0

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	3	3	4	3	6	4	6	5	3	3	4	3
Short Term Investments	121	108	83	99	92	144	152	115	109	110	115	94
Cash Cash Equivalents And Federal Funds Sold	124	111	87	103	99	148	158	120	111	112	119	97
Interest Bearing Deposits In Banks	14	11	8	-	-	0	0	0	-	-	0	-
Debt Securities Available For Sale Excluding Accru…	40	37	34	31	20	14	7	4	0	3	5	5
Held To Maturity Securities	-	-	-	-	-	68	73	77	80	77	77	75
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	1,071	1,040	997
Debt Securities Held To Maturity Excluding Accrued…	50	52	56	58	67	-	73	-	-	-	-	-
Loans Receivable Held For Sale Net Not Part Of Dis…	0	0	0	-	2	0	0	1	1	-	-	-
Notes Receivable Net	-	-	-	-	-	1,178	1,136	1,115	1,103	-	1,040	-
Financing Receivable Excluding Accrued Interest Af…	-	1,391	1,372	1,306	1,282	-	1,136	-	-	-	-	-
Federal Home Loan Bank Stock	12	11	12	11	11	10	10	10	10	10	10	10
Property Plant And Equipment Net	3	3	3	3	3	3	4	4	4	4	4	4
Interest Receivable	5	5	5	5	5	4	4	4	4	4	4	3
Deferred Income Tax Assets Net	5	5	6	6	6	5	5	6	5	4	5	5
Bank Owned Life Insurance	16	16	15	15	15	15	15	15	15	15	14	14
Other Assets	8	7	7	6	6	7	7	3	4	4	3	3
Assets	1,672	1,650	1,606	1,553	1,515	1,452	1,418	1,358	1,336	1,303	1,280	1,214
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	103	80	81	85	88	80	85	74	78	77	78	85
Interest Bearing Deposit Liabilities	1,090	1,119	1,051	1,024	980	957	914	870	855	825	790	728
Deposits	1,193	1,199	1,132	1,109	1,067	1,037	999	944	933	902	868	813
Advances From Federal Home Loan Banks	285	261	285	260	265	234	234	234	224	224	234	224
Other Liabilities	14	14	17	15	14	13	17	14	13	12	13	12
Liabilities	1,492	1,474	1,434	1,383	1,347	1,284	1,250	1,192	1,169	1,138	1,115	1,048
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	-	0	-	-	-	-	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	83	83	83	83	85	86	86	87	87	87	87	89
Retained Earnings Accumulated Deficit	102	99	96	93	91	89	88	86	85	84	84	83
Accumulated Other Comprehensive Income Loss Net Of…	1	-0	-1	-1	-1	-0	0	-1	1	1	0	0
Unearned E S O P Shares	-	-	-	-	-	-6	-6	-6	-6	-7	-7	-7
Stockholders Equity	180	176	172	169	168	169	168	166	166	166	165	166
Liabilities And Stockholders Equity	1,672	1,650	1,606	1,553	1,515	1,452	1,418	1,358	1,336	1,303	1,280	1,214
Held To Maturity Securities Fair Value	47	48	52	55	63	63	68	73	74	71	71	66
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	9	9	8
Financing Receivable Allowance For Credit Loss Exc…	-	10	10	10	10	9	9	9	9	-	-	-
Available For Sale Debt Securities Amortized Cost …	-	-	-	-	-	-	-	4	-	-	-	-
Financing Receivable Allowance For Credit Losses	-	-	-	-	-	9	9	9	9	9	9	8
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	0	-	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	30	30	30	30	30	30	30	30	30	30	30	30
Common Stock Shares Issued	9	9	9	9	9	9	9	9	9	9	9	9
Shares Outstanding	9	9	9	9	9	9	9	9	9	9	9	9

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-2.20%	4.93%	6.64%	-	-	-	-	-	-	-	-	-
2025	2.01%	-4.14%	0.75%	8.06%	2.03%	1.33%	2.11%	1.76%	2.11%	14.13%	9.09%	20.30%
2024	0.70%	4.73%	18.16%	4.36%	10.53%	12.79%	-1.96%	-2.55%	-7.78%	2.57%	6.93%	0.13%
2023	-	-	-	-3.30%	-11.55%	-19.02%	11.51%	14.80%	23.48%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.59	-0.63	-0.67	-0.70	-0.10	0.41	0.78	1.11	1.13	1.16	1.20	1.26
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	6,380.94	6,415.16	6,379.26
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.06	0.06	0.06
Per Share Metrics
Diluted EPS TTM	1.37	1.16	0.94	0.80	0.64	0.56	0.48	0.40	0.42	0.50	0.52	0.55
Free Cash Flow Per Share TTM	2.37	1.55	1.11	1.27	0.87	0.73	0.75	0.52	0.45	0.51	0.72	0.77
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-14.29%	-12.70%	-10.80%	-17.87%	-25.66%	16.03%	37.27%	37.65%	39.16%	41.65%	45.26%	51.78%
Operating Profit Margin TTM	37.05%	30.94%	24.86%	22.92%	20.17%	12.16%	8.01%	7.00%	7.74%	9.58%	10.93%	12.68%
Net Profit Margin TTM	27.34%	22.98%	18.61%	17.19%	15.08%	9.06%	5.95%	5.20%	5.79%	7.15%	8.13%	9.37%
Growth Metrics
Net Revenue Growth (1Y)	18.45%	-18.88%	-37.73%	-39.93%	-42.33%	-11.84%	22.40%	29.38%	41.65%	64.03%	87.87%	-
Net Income Growth (1Y)	114.79%	105.64%	94.74%	98.62%	50.08%	11.76%	-10.44%	-28.19%	56.24%	86.60%	63.82%	-
EPS Growth (1Y)	118.93%	110.37%	98.51%	103.99%	52.11%	12.97%	-8.17%	-26.05%	60.49%	90.67%	63.63%	-
Valuation Metrics
P/E TTM	14.07	13.99	18.12	19.23	23.69	26.65	30.70	35.39	29.12	25.80	23.86	20.06
P/B TTM	0.89	0.76	0.82	0.75	0.75	0.74	0.73	0.71	0.62	0.65	0.64	0.56
P/S TTM	3.85	3.21	3.37	3.31	3.57	2.42	1.83	1.84	1.69	1.84	1.94	1.88
Market Cap	160.67M	134.28M	140.86M	127.34M	125.92M	124.39M	122.53M	118.01M	103.15M	107.73M	106.33M	93.16M
Enterprise Value	157.72M	131.23M	136.74M	123.98M	119.59M	119.96M	116.71M	113.22M	100.37M	105.16M	102.55M	89.73M
Calculated Values
Free Cash Flow TTM	18.94M	12.46M	9.01M	10.21M	7.12M	5.97M	6.17M	4.29M	3.71M	4.25M	6.10M	6.56M
Net Debt	-2.94M	-3.04M	-4.12M	-3.35M	-6.33M	-4.43M	-5.83M	-4.78M	-2.78M	-2.57M	-3.79M	-3.43M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-30Purchase

Owner: Lavertu, Brandon

Title: CFO

Shares: 40

Price/Share: $17.89

Value: $715.60

Shares Owned: 32,423

Relationship: Officer

Ownership: Direct

2026-02-09Purchase

Owner: Sullivan, Maura Ellen

Title: -

Shares: 2,200

Price/Share: $18.50

Value: $40,700.00

Shares Owned: 5,700

Relationship: Director

Ownership: Indirect

2025-12-09Purchase

Owner: Sullivan, Maura Ellen

Title: -

Shares: 563

Price/Share: $17.01

Value: $9,576.63

Shares Owned: 3,500

Relationship: Director

Ownership: Indirect

2025-09-16Purchase

Owner: O'Neil, Richard J Jr

Title: President and CEO

Shares: 1,250

Price/Share: $15.85

Value: $19,812.50

Shares Owned: 27,355

Relationship: Director,Officer

Ownership: Indirect

2025-02-24Purchase

Owner: Lavertu, Brandon

Title: CFO

Shares: 1,828

Price/Share: $14.45

Value: $26,414.60

Shares Owned: 32,383

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-30	Lavertu, Brandon	Officer	CFO	Direct	Purchase	40	17.89	$715.60	32,423	4
2026-02-09	Sullivan, Maura Ellen	Director	-	Indirect	Purchase	2,200	18.50	$40,700.00	5,700	4
2025-12-09	Sullivan, Maura Ellen	Director	-	Indirect	Purchase	563	17.01	$9,576.63	3,500	4
2025-09-16	O'Neil, Richard J Jr	Director,Officer	President and CEO	Indirect	Purchase	1,250	15.85	$19,812.50	27,355	4
2025-02-24	Lavertu, Brandon	Officer	CFO	Direct	Purchase	1,828	14.45	$26,414.60	32,383	4
2025-02-21	Lavertu, Brandon	Officer	CFO	Direct	Purchase	600	14.32	$8,592.00	30,555	4
2025-02-13	Citrano, John A	Officer	EVP and COO	Indirect	Purchase	1,400	14.21	$19,894.00	62,375	4
2025-02-11	Citrano, John A	Officer	EVP and COO	Indirect	Purchase	2,038	14.11	$28,756.18	59,325	4
2024-09-19	Lavertu, Brandon	Officer	CFO	Indirect	Purchase	5,000	13.92	$69,600.00	45,000	4
2024-09-18	Citrano, John A	Officer	EVP and COO	Indirect	Purchase	4,650	13.64	$63,426.00	55,650	4
2024-05-15	Citrano, John A	Officer	EVP, COO and CFO	Indirect	Purchase	399	12.35	$4,927.65	46,000	4
2024-05-13	Citrano, John A	Officer	EVP, COO and CFO	Indirect	Purchase	4,800	12.17	$58,416.00	44,201	4
2024-05-09	Citrano, John A	Officer	EVP, COO and CFO	Indirect	Purchase	901	11.81	$10,640.81	35,901	4
2024-05-06	Delory, Paul A	Director	-	Direct	Sale	548	11.58	$6,345.84	11,664	4
2023-05-18	Citrano, John A	Officer	EVP, COO and CFO	Indirect	Purchase	2,500	10.98	$27,450.00	4,946	4
2023-05-16	O'Neil, Richard J Jr	Director,Officer	President and CEO	Indirect	Purchase	10,000	11.05	$110,500.00	26,105	4
2023-05-15	Citrano, John A	Officer	EVP, COO and CFO	Direct	Purchase	1,900	10.99	$20,881.00	20,940	4
2023-05-15	Migliozzi, John	Officer	EVP and CLO	Direct	Purchase	6,501	10.95	$71,185.95	46,501	4
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No institutional ownership data available.

ECB Bancorp, Inc. /MD/ (ECBK) — SEC Financial Statements & Analysis

ECB Bancorp, Inc. /MD/ (ECBK) is a savings institutions, not federally chartered company, incorporated in MD. ECB Bancorp, Inc. /MD/ trades on Nasdaq as: ECBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ECB Bancorp, Inc. /MD/ reported a 18.45% year-over-year revenue growth, a Gross Profit Margin of -14.29% (TTM), a Price-to-Sales (P/S) ratio of 3.85x (TTM), a Price-to-Book (P/B) ratio of 0.89x (TTM), at a market cap of $160.67M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 18.45%
Gross Profit Margin TTM: -14.29%
P/S TTM: 3.85x
P/B TTM: 0.89x
Market Cap: $160.67M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is ECB Bancorp, Inc. /MD/ in?

ECB Bancorp, Inc. /MD/ (ECBK) operates in the Savings Institutions, Not Federally Chartered industry.

What is ECBK's market cap?

ECB Bancorp, Inc. /MD/ (ECBK) has a market capitalization of $160.67M as of 2026-06-30.

What is ECBK's P/E ratio?

ECB Bancorp, Inc. /MD/ (ECBK)'s trailing twelve month P/E ratio is 14.07x as of 2026-06-30.

What exchange does ECBK trade on?

ECB Bancorp, Inc. /MD/ (ECBK) trades on the Nasdaq.

Where is ECB Bancorp, Inc. /MD/ incorporated?

ECB Bancorp, Inc. /MD/ is incorporated in MD.