ECB Bancorp, Inc. (ECBK)
Nasdaq · Savings Institutions, Not Federally Chartered · Finance, insurance and real estate · CIK 1914605 · fiscal year ends in Dec
Closing price $21.54 on 30 Oct 2026; 52-week range $15.86 to $21.71.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $38.8M
- Revenue growth
- 35.5%
- Net income, last twelve months
- $11.4M
- Earnings per share
- $1.37
- Net margin
- 29.4%
- Free cash flow
- $22.4M
- Return on equity
- 6.3%
- Market value
- $188.4M
- Price to earnings
- 15.7x
- Cash
- $124.0M
- Debt
- $285.0M
- Debt to equity
- 1.58
- Shares outstanding
- 8.7M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $33.2M | – | $7.8M | $0.94 | $9.0M | 10-K filed 25 Mar 2026 |
| FY2024 | 31 Dec 2024 | $26.2M | – | $4.0M | $0.48 | $6.2M | 10-K filed 26 Mar 2025 |
| FY2023 | 31 Dec 2023 | $25.8M | – | $4.5M | $0.52 | $6.1M | 10-K filed 29 Mar 2024 |
| FY2022 | 31 Dec 2022 | $25.0M | – | $2.7M | $0.32 | $7.6M | 10-K filed 30 Mar 2023 |
| FY2021 | 31 Dec 2021 | $19.9M | – | $4.0M | – | $6.3M | 10-K filed 30 Mar 2023 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $10.3M | $3.3M | $0.39 |
| Q1 FY2026 | 31 Mar 2026 | $10.2M | $3.1M | $0.38 |
| Q4 FY2025 | 31 Dec 2025 | $9.5M | $2.6M | $0.31 |
| Q3 FY2025 | 30 Sep 2025 | $8.8M | $2.4M | $0.29 |
| Q2 FY2025 | 30 Jun 2025 | $8.0M | $1.4M | $0.17 |
| Q1 FY2025 | 31 Mar 2025 | $6.9M | $1.3M | $0.16 |
| Q4 FY2024 | 31 Dec 2024 | $7.1M | $1.4M | $0.17 |
| Q3 FY2024 | 30 Sep 2024 | $6.6M | $1.1M | $0.14 |
Company events
The newest 8-K filings of 36 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 22 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Sep 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 21 May 2026 | 8-K | Shareholder vote | 5.07 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 5 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 9 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 22 Dec 2025 | 8-K | Leadership change | 5.02 |
| 22 Oct 2025 | 8-K | Results | 2.02, 9.01 |
| 24 Jul 2025 | 8-K | Results | 2.02, 9.01 |
| 22 May 2025 | 8-K | Shareholder vote | 5.07 |
| 8 May 2025 | 8-K | Other events | 8.01, 9.01 |
Every filing
The newest filings with the SEC of 77 held.
| Filed | Form | Period |
|---|---|---|
| 22 Oct 2026 | 8-K | 22 Oct 2026 |
| 22 Sep 2026 | 8-K | 16 Sep 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 21 May 2026 | 8-K | 20 May 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 23 Apr 2026 | 8-K | 23 Apr 2026 |
| 10 Apr 2026 | ARS | 31 Dec 2025 |
| 10 Apr 2026 | DEFA14A | – |
| 10 Apr 2026 | DEF 14A | 20 May 2026 |
| 25 Mar 2026 | 10-K | 31 Dec 2025 |
| 5 Feb 2026 | 8-K | 5 Feb 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 30 Apr 2026 | Lavertu Brandon, CFO | Purchase | 10 | $17.85 | $178 | 32,393 | 1 May 2026 |
| 30 Apr 2026 | Lavertu Brandon, CFO | Purchase | 10 | $17.88 | $179 | 32,403 | 1 May 2026 |
| 30 Apr 2026 | Lavertu Brandon, CFO | Purchase | 10 | $17.91 | $179 | 32,413 | 1 May 2026 |
| 30 Apr 2026 | Lavertu Brandon, CFO | Purchase | 10 | $17.92 | $179 | 32,423 | 1 May 2026 |
| 9 Feb 2026 | Sullivan Maura Ellen, Director | Purchase | 2,200 | $18.50 | $40.7K | 5,700 | 9 Feb 2026 |
| 9 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 400 | $16.95 | $6.8K | 3,337 | 9 Dec 2025 |
| 9 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 100 | $17.04 | $1.7K | 3,437 | 9 Dec 2025 |
| 9 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 63 | $17.05 | $1.1K | 3,500 | 9 Dec 2025 |
| 8 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 361 | $16.65 | $6.0K | 361 | 9 Dec 2025 |
| 8 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 200 | $16.78 | $3.4K | 561 | 9 Dec 2025 |
| 8 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 76 | $16.80 | $1.3K | 637 | 9 Dec 2025 |
| 8 Dec 2025 | Sullivan Maura Ellen, Director | Purchase | 100 | $16.81 | $1.7K | 737 | 9 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 110.1K | -4.26% | 11.46 |
| 30 Sep 2026 | 115.0K | -9.54% | 11.85 |
| 15 Sep 2026 | 127.1K | -21.39% | 10.8 |
| 31 Aug 2026 | 161.7K | +27.68% | 20.78 |
| 14 Aug 2026 | 126.6K | -5.71% | 13.44 |
| 31 Jul 2026 | 134.3K | +2.97% | 14.62 |
| 15 Jul 2026 | 130.4K | -2.36% | 21.76 |
| 30 Jun 2026 | 133.6K | -4.83% | 4.87 |
Funds that hold it
From each fund's latest Form 13F.
64 funds held it at 30 Jun 2026: 31 added and 12 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| AllianceBernstein L.P. | 754,430 | $12.6M | -32,849 |
| BlackRock, Inc. | 418,386 | $8.4M | +23,740 |
| Vanguard Capital Management LLC | 337,942 | $6.8M | -45,980 |
| Geode Capital Management, LLC | 175,662 | $3.5M | +21,415 |
| Sachetta, LLC | 118,853 | $2.4M | 0 |
| Renaissance Technologies LLC | 83,800 | $1.7M | -4,066 |
| State Street Corp. | 77,792 | $1.6M | -1,800 |
| Oppenheimer & Close, LLC | 61,007 | $1.2M | 0 |
| Northern Trust Corp. | 57,212 | $1.1M | -6,191 |
| Maltese Capital Management LLC | 55,198 | $1.1M | 0 |
Peers
Companies in the same industry.
- Flagstar Bank, National Association (FLG): revenue $2.1B, market value $4.4B
- Beacon Financial Corp. (BBT): revenue –, market value $2.6B
- Heritage Financial Corp. (HFWA): revenue $294.1M, market value $1.2B
- NB Bancorp, Inc. (NBBK): revenue $259.2M, market value $970.1M
- Southern Missouri Bancorp, Inc. (SMBC): revenue $200.6M, market value $778.1M
- Third Coast Bancshares, Inc. (TCBX): revenue $236.6M, market value $663.7M
- Greene County Bancorp Inc. (GCBC): revenue $92.6M, market value $609.7M
- Home Bancorp, Inc. (HBCP): revenue $153.8M, market value $475.9M
- Avidia Bancorp, Inc. (AVBC): revenue $112.9M, market value $471.7M
- Pioneer Bancorp, Inc. (PBFS): revenue $102.0M, market value $448.4M