ECB Bancorp Inc. (ECBK)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Quality & Screener
AI Rating
NeutralECB 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
Filings Reviewed: 10-Q 2026-05-08 · 10-Q 2025-11-07 · 10-Q 2025-08-08 · 10-Q 2025-05-09 · 10-K 2026-03-25 · 10-K 2025-03-26
Rated on July 8, 2026 · How the Rating Is Built
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 |
- 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.
| Employees | 64 |
|---|---|
| Headquarters | Everett, MA |
| Website | everettbank.com |
| IPO Date | 28. Jul 2022 |
| Next Earnings | 23. Jul 2026 |
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.