profit from every $100 of sales.
$0$100
ECB Bancorp
$20.79+1.66% today
+17.6% in 1 year
1-year low $15.931-year high $22.97
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $23.34 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What ECB Bancorp sold, what it kept, and what it did with the cash.
Sales went from $25.0 million in 2022 to $33.2 million in 2025, with $7.77 million of profit last year.
SalesProfit
ECB Bancorp handed back 51% of the cash it generated last year.
Buybacks $5M
Free cash flow 2025$9M
Bought back its own shares$5M
Paid as dividends–
Cash vs. debt$95M vs. $285M
ECB Bancorp vs. similar companies
ECB Bancorp grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| ECB Bancorp | 23.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads ECB Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 25 | 26 | 26 | 33 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 3 | 4 | 4 | 8 | |
| 0.32 | 0.52 | 0.48 | 0.94 | |
| – | – | – | – | |
| – | – | – | – | |
| 10.9% | 17.2% | 15.2% | 23.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,064 | 1,280 | 1,418 | 1,606 |
| Cash | 62 | 119 | 158 | 95 |
| Total debt | 174 | 234 | 234 | 285 |
| Total liabilities | 902 | 1,115 | 1,250 | 1,434 |
| 163 | 165 | 168 | 172 | |
| 8 | 9 | 8 | 8 | |
| – | – | – | – | |
| 1.7% | 2.7% | 2.4% | 4.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 8 | 6 | 6 | 9 | |
| 0 | 0 | 0 | 0 | |
| 8 | 6 | 6 | 9 | |
| Dividends paid | – | – | – | – |
| 0 | 2 | 3 | 5 | |
| 1 | 1 | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 23.3×
- –
- 0.54
- 0.8×
- 5.5×
- 4.3%
- 0.0%
Profitability
- 23.4%
- 0.6%
- 1.9%
- 5.6%
- 0.6%
Growth
- +9.9%
- +43.2%
- –
- −9.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 18%of 754
Bottom 35%of 605
Bottom 25%of 883
Top 49%of 880
Top 47%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 8, 2026 | 0.38 | – | – |
| Feb 5, 2026 | 0.31 | – | – |
| Oct 22, 2025 | 0.29 | – | – |
| Jul 24, 2025 | 0.17 | – | – |
| Apr 24, 2025 | 0.16 | – | – |
| Mar 29, 2025 | 0.17 | – | – |
| Oct 24, 2024 | 0.14 | – | – |
| Aug 9, 2024 | 0.09 | – | – |
News
Cathay General Bancorp declares $0.38 dividendSeeking Alpha · Nov 14, 2026Fifth Third Bancorp Eyes Texas Growth and AI Gains After Comerica IntegrationYahoo Finance · Nov 6, 2026Hope Bancorp declares $0.14 dividendSeeking Alpha · Oct 28, 2026NBT Bancorp declares $0.40 dividendSeeking Alpha · Oct 27, 2026Finward Bancorp GAAP EPS of $0.31 misses by $0.41, revenue of $18.59M misses by $0.81MSeeking Alpha · Oct 27, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
42No pass
Benjamin Graham
59No pass
Philip Fisher
67Pass
Peter Lynch
85Pass
Joel Greenblatt
10No pass
Charlie Munger
41No pass
Terry Smith
44No pass
Questions about ECB Bancorp
Is ECB Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the ECB Bancorp AI analysis
What does ECB Bancorp do?
ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. It is in Banks - Regional.
Does ECB Bancorp pay a dividend?
No. ECB Bancorp does not pay a dividend at the moment; in 2025 it returned $4.61 million to shareholders by buying back its own shares.
Is ECB Bancorp stock halal?
No. ECB Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has ECB Bancorp stock done over the past year?
Up 17.6% over the past twelve months, to $20.79. It traded between $15.93 and $22.97 and is 9.5% below its high.
Who are ECB Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with ECB Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.