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ECB BANCORP INC (ECBK) Stock Fundamental Analysis

NASDAQ:ECBK - Nasdaq - US26828M1062 - Common Stock - Currency: USD

14.87  -0.12 (-0.8%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to ECBK. ECBK was compared to 402 industry peers in the Banks industry. ECBK scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ECBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year ECBK was profitable.
In the past year ECBK had a positive cash flow from operations.
ECBK Yearly Net Income VS EBIT VS OCF VS FCFECBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2M 4M 6M

1.2 Ratios

ECBK's Return On Assets of 0.25% is on the low side compared to the rest of the industry. ECBK is outperformed by 84.83% of its industry peers.
ECBK's Return On Equity of 2.01% is on the low side compared to the rest of the industry. ECBK is outperformed by 85.07% of its industry peers.
Industry RankSector Rank
ROA 0.25%
ROE 2.01%
ROIC N/A
ROA(3y)0.4%
ROA(5y)N/A
ROE(3y)3.2%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ECBK Yearly ROA, ROE, ROICECBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2 4 6

1.3 Margins

The Profit Margin of ECBK (13.17%) is worse than 77.36% of its industry peers.
In the last couple of years the Profit Margin of ECBK has declined.
ECBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.17%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.29%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ECBK Yearly Profit, Operating, Gross MarginsECBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

ECBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
ECBK has more shares outstanding than it did 1 year ago.
ECBK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ECBK Yearly Shares OutstandingECBK Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2M 4M 6M 8M
ECBK Yearly Total Debt VS Total AssetsECBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

There is no outstanding debt for ECBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC10.87%
ECBK Yearly LT Debt VS Equity VS FCFECBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for ECBK have decreased strongly by -27.98% in the last year.
The Earnings Per Share has been decreasing by -1.68% on average over the past years.
The Revenue has decreased by -5.18% in the past year.
The Revenue has been growing by 14.69% on average over the past years. This is quite good.
EPS 1Y (TTM)-27.98%
EPS 3Y-1.68%
EPS 5YN/A
EPS Q2Q%-15.12%
Revenue 1Y (TTM)-5.18%
Revenue growth 3Y14.69%
Revenue growth 5YN/A
Sales Q2Q%2.89%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ECBK Yearly Revenue VS EstimatesECBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 5M 10M 15M 20M 25M
ECBK Yearly EPS VS EstimatesECBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 37.17, which means the current valuation is very expensive for ECBK.
Based on the Price/Earnings ratio, ECBK is valued more expensive than 85.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. ECBK is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 37.17
Fwd PE N/A
ECBK Price Earnings VS Forward Price EarningsECBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ECBK indicates a slightly more expensive valuation: ECBK is more expensive than 78.61% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 31.49
EV/EBITDA N/A
ECBK Per share dataECBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

ECBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ECB BANCORP INC

NASDAQ:ECBK (3/7/2025, 8:20:55 PM)

14.87

-0.12 (-0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-09 2024-11-09
Earnings (Next)03-29 2025-03-29
Inst Owners24.72%
Inst Owner Change4.09%
Ins Owners6.42%
Ins Owner Change2.43%
Market Cap135.32M
AnalystsN/A
Price TargetN/A
Short Float %0.14%
Short Ratio1.64
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.51
Dividend Growth(5Y)-6.99%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 37.17
Fwd PE N/A
P/S 5.35
P/FCF 31.49
P/OCF 30.39
P/B 0.81
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)0.4
EY2.69%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.47
FCFY3.18%
OCF(TTM)0.49
OCFY3.29%
SpS2.78
BVpS18.25
TBVpS18.25
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 2.01%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.17%
GM N/A
FCFM 16.98%
ROA(3y)0.4%
ROA(5y)N/A
ROE(3y)3.2%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.29%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 52.36%
Cap/Sales 0.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.87%
ROIC/WACCN/A
Cap/Depr(3y)75.58%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.89%
Cap/Sales(5y)N/A
Profit Quality(3y)190.54%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-27.98%
EPS 3Y-1.68%
EPS 5YN/A
EPS Q2Q%-15.12%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.18%
Revenue growth 3Y14.69%
Revenue growth 5YN/A
Sales Q2Q%2.89%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.56%
FCF growth 3Y7.06%
FCF growth 5YN/A
OCF growth 1Y-29.11%
OCF growth 3Y8.19%
OCF growth 5YN/A