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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

ECB Bancorp Inc. (ECBK)

Financial Services Banks - Regional
20.00 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.2Mrd. $
Shares Outstanding
9Mio.
Float
91.2%
Beta
0.5

Performance

Perf. 1M
9.60%
Perf. 3M
21.90%
Perf. 6M
16.30%
YTD Performance (%)
15.80%
52-Week-High Distance
-5.9%

Valuation

P/E
16.9
Forward P/E
0.0
PEG
P/B
1.0
P/S
2.1
EV/EBITDA
0.0
Price/FCF
13.8

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
27.6%
Return on Equity
5.6%
Return on Assets
0.6%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
1.5
Altman Z
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
44.40%
EPS Growth Last Quarter
140.60%
Sales Growth (Year)
16.46%
Forward Sales Growth
Forward EPS Growth

Quality & Screener

Stage
2
RS Rating
66
EPS Rating
88
Piotroski
7 von 9
Fundamental Rating
B (+42 von 100)
Altman Z

AI Rating

Neutral

ECB Bancorp (Muttergesellschaft der Everett Co-operative Bank bei Boston) hat in keinem der sechs geprüften Filings einen wesentlichen KI-Bezug: Weder die beiden 10-Ks (GJ2025, GJ2024) noch die vier 10-Qs erwähnen „artificial intelligence“, „machine learning“, „generative“, „neural“ oder eigenständiges „AI“. Die einzigen scheinbar verwandten Treffer sind „threat intelligence“ (Cybersicherheit) und „security automation“ bzw. „automatic deposits“ — keine KI. KI ist weder Umsatzquelle noch dokumentierter Betriebseinsatz noch ein benanntes Geschäftsrisiko; das Thema kommt schlicht nicht vor.

View the full file — quotes, sources, reviewed filings
Sales Per Quarter ($M)
2024: Q4 · 18.1 Mio. $ Q4 2025: Q1 · 17.9 Mio. $ Q1 2025: Q2 · 19.5 Mio. $ Q2 2025: Q3 · 20.8 Mio. $ Q3 2025: Q4 · 21.4 Mio. $ Q4 2026: Q1 · 21.9 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.17 $ Q4 2025: Q1 · 0.15 $ Q1 2025: Q2 · 0.16 $ Q2 2025: Q3 · 0.28 $ Q3 2025: Q4 · 0.30 $ Q4 2026: Q1 · 0.36 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 8.0 % Q4 2025: Q1 · 7.2 % Q1 2025: Q2 · 7.4 % Q2 2025: Q3 · 11.7 % Q3 2025: Q4 · 12.1 % Q4 2026: Q1 · 14.2 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 4.5 Mio. $ Q4 2025: Q1 · -0.6 Mio. $ Q1 2025: Q2 · 1.9 Mio. $ Q2 2025: Q3 · 4.0 Mio. $ Q3 2025: Q4 · 3.9 Mio. $ Q4 2026: Q1 · 2.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 4.5 Mio. $ Q4 2025: Q1 · -0.6 Mio. $ Q1 2025: Q2 · 1.8 Mio. $ Q2 2025: Q3 · 4.0 Mio. $ Q3 2025: Q4 · 3.9 Mio. $ Q4 2026: Q1 · 2.8 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 19.7 % Q4 2025: Q1 · 11.8 % Q1 2025: Q2 · 16.7 % Q2 2025: Q3 · 18.9 % Q3 2025: Q4 · 18.0 % Q4 2026: Q1 · 22.6 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 83.3 % Q4 2025: Q1 · 108.9 % Q1 2025: Q2 · 82.0 % Q2 2025: Q3 · 115.3 % Q3 2025: Q4 · 79.6 % Q4 2026: Q1 · 140.7 % Q1
Price Change in Quarter (%)
2024: Q4 · 3.6 % Q4 2025: Q1 · 2.1 % Q1 2025: Q2 · 1.9 % Q2 2025: Q3 · 2.8 % Q3 2025: Q4 · 9.6 % Q4 2026: Q1 · -3.8 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.17 83.30 18 19.70 8.00 5 5
2025: Q1 0.15 108.90 18 11.80 7.20 -1 -1
2025: Q2 0.16 82.00 20 16.70 7.40 2 2
2025: Q3 0.28 115.30 21 18.90 11.70 4 4
2025: Q4 0.30 79.60 21 18.00 12.10 4 4
2026: Q1 0.36 140.70 22 22.60 14.20 3 3
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

ECB Bancorp, Inc. ist die Holdinggesellschaft der Everett Co-operative Bank, die verschiedene Bankprodukte und -dienstleistungen anbietet.

Employees64
HeadquartersEverett, MA
Websiteeverettbank.com
IPO Date28. Jul 2022
Next Earnings23. Jul 2026

Management

Management
Name Title Birth Year
Richard J. O'Neil Jr., Esq. CEO, President & Director 1958
John A. Citrano Secretary, COO & Executive VP 1964
John Migliozzi Executive VP & Chief Lending Officer 1958
Brandon N. Lavertu Executive VP and Chief Financial Officer 1983
Karen L. Chasse Senior Vice President of Compliance & BSA Officer
Eric M. Jackson Senior VP & Head of Residential Lending

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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