Is ECB Bancorp, Inc. (ECBK) a Buy, Sell, or Hold?
NASDAQ : ECBK
ECB Bancorp, Inc.
$20.05 USD
-$0.43 (-2.1%)
- Volume
- 11.86K
- Average Volume
- 11.88K
- Market Capitalization
- $175.52M
- P/E Ratio
- 16.85
- Dividend Yield
- 0.00%
- Price Target
- Year High
- $20.76
- Year Low
- $14.83
- Day High
- —
- Day Low
- —
- Payout Ratio
- $0.00
- Current Ratio
- $0.00
ECBK Financial Statements
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|
| revenue | 79.51M | 68.27M | 55.83M | 30.56M | 23.6M | 22.77M |
| costOfRevenue | 47.8M | 42.23M | 30.79M | 8.46M | 4.04M | 5.93M |
| grossProfit | 31.71M | 26.04M | 25.04M | 22.1M | 19.56M | 16.84M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 1.37M | 14.65M | 13.05M | 10.58M | 10.18M | 6.43M |
| sellingAndMarketingExpenses | 639K | 551K | 794K | 752K | 648K | 601K |
| sellingGeneralAndAdministrativeExpenses | 2.01M | 15.2M | 13.85M | 11.33M | 10.83M | 7.03M |
| otherExpenses | 19.32M | 5.47M | 5.21M | 7.27M | 3.25M | 3.28M |
| operatingExpenses | 21.33M | 20.67M | 19.05M | 18.61M | 14.08M | 10.31M |
| costAndExpenses | 69.13M | 62.9M | 49.84M | 27.06M | 18.13M | 16.24M |
| netInterestIncome | 31.92M | 24.99M | 24.79M | 23.64M | 18.69M | 15.85M |
| interestIncome | 78.18M | 67.04M | 54.78M | 29.16M | 22.38M | 21.49M |
| interestExpense | 46.26M | 42.06M | 29.99M | 5.52M | 3.68M | 5.64M |
| depreciationAndAmortization | 297K | 302K | 279K | 302K | 300K | 350K |
| ebitda | 10.68M | 5.67M | 6.26M | 3.8M | 5.77M | 6.88M |
| ebit | 10.38M | 5.37M | 5.98M | 3.5M | 5.47M | 6.53M |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - |
| operatingIncome | 10.38M | 5.37M | 5.98M | 3.5M | 5.47M | 6.53M |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - |
| incomeBeforeTax | 10.38M | 5.37M | 5.98M | 3.5M | 5.47M | 6.53M |
| incomeTaxExpense | 2.61M | 1.38M | 1.53M | 776K | 1.43M | 1.67M |
| netIncomeFromContinuingOperations | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M | 4.86M |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - |
| netIncome | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M | 4.86M |
| netIncomeDeductions | - | - | - | - | - | - |
| bottomLineNetIncome | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M | 4.86M |
| eps | 0.96 | 0.48 | 0.53 | 0.32 | 0.33 | 0.4 |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 94.92M | 157.72M | 119.04M | 62.35M | 52.98M | 43.41M |
| shortTermInvestments | 8.88M | 14.57M | 5M | 5M | 5.01M | 5.04M |
| cashAndShortTermInvestments | 103.8M | 172.28M | 124.04M | 67.35M | 57.98M | 48.45M |
| netReceivables | 5.21M | 4.02M | 3.77M | 2.63M | 1.48M | 1.82M |
| accountsReceivables | 5.21M | 4.02M | 3.77M | 2.63M | 1.48M | 1.82M |
| otherReceivables | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - |
| totalCurrentAssets | 109.02M | 176.3M | 127.8M | 69.98M | 59.47M | 50.27M |
| propertyPlantEquipmentNet | 3.43M | 3.51M | 3.75M | 3.7M | 3.78M | 3.98M |
| goodwill | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - |
| longTermInvestments | 1.45B | 1.2B | 1.12B | 963.26M | 584M | 520.57M |
| taxAssets | 5.67M | 4.91M | 4.77M | 4.34M | 3.27M | 1.93M |
| otherNonCurrentAssets | 34.17M | 31.77M | 27.24M | 23.17M | 15.96M | 10.88M |
| totalNonCurrentAssets | 1.5B | 1.24B | 1.15B | 994.48M | 607.02M | 537.36M |
| otherAssets | - | - | - | - | - | - |
| totalAssets | 1.61B | 1.42B | 1.28B | 1.06B | 666.49M | 587.62M |
| totalPayables | - | - | - | - | - | - |
| accountPayables | - | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - |
| otherCurrentLiabilities | 1.13B | 998.53M | 868.21M | 718.15M | 571.75M | 491.4M |
| totalCurrentLiabilities | 1.13B | 998.53M | 868.21M | 718.15M | 571.75M | 491.4M |
| longTermDebt | 284.82M | 234M | 234M | 174M | 9M | 18M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 16.56M | 17.35M | 13.22M | 9.58M | 8.46M | 5.19M |
| totalNonCurrentLiabilities | 301.38M | 251.35M | 247.22M | 183.58M | 17.46M | 23.19M |
| otherLiabilities | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - |
| totalLiabilities | 1.43B | 1.25B | 1.12B | 901.73M | 589.22M | 514.59M |
| treasuryStock | - | - | - | - | - | - |
| preferredStock | - | - | - | - | - | - |
| commonStock | 88000 | 91000 | 93000 | 92000 | - | - |
| retainedEarnings | 95.62M | 87.84M | 83.85M | 80.08M | 77.36M | 73.31M |
| additionalPaidInCapital | 83M | 86.19M | 87.43M | 89.29M | - | - |
| date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|
| netIncome | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M | 4.86M |
| depreciationAndAmortization | 297K | 302K | 279K | 302K | 300K | 350K |
| deferredIncomeTax | -246K | -250K | -111K | -1.5M | -1.12M | -434K |
| stockBasedCompensation | 1.81M | 1.87M | 738K | 559K | - | - |
| changeInWorkingCapital | -1.41M | 274K | 310K | 1.1M | 1.38M | 728K |
| accountsReceivables | -1.2M | -249K | -1.13M | -1.15M | 339K | -370K |
| inventory | - | - | - | - | - | - |
| accountsPayables | 302K | -16000 | 1.46M | 687K | - | - |
| otherWorkingCapital | -512K | 539K | -11000 | 1.56M | 1.05M | 1.1M |
| otherNonCashItems | 994K | 111K | 762K | 4.59M | 1.84M | -427K |
| netCashProvidedByOperatingActivities | 9.22M | 6.3M | 6.43M | 7.77M | 6.45M | 5.08M |
| investmentsInPropertyPlantAndEquipment | -214K | -60000 | -335K | -216K | -104K | -110K |
| acquisitionsNet | - | - | - | - | - | - |
| purchasesOfInvestments | -62.77M | -15.5M | -8.29M | -22.63M | -26.9M | -39.48M |
| salesMaturitiesOfInvestments | 49.94M | 17.71M | 8.86M | 10.43M | 13.96M | 24.03M |
| otherInvestingActivities | -246.86M | -97.44M | -157.52M | -376.92M | -55.18M | -40.12M |
| netCashProvidedByInvestingActivities | -259.9M | -95.29M | -157.29M | -389.34M | -68.22M | -55.68M |
| netDebtIssuance | 50.82M | -15M | 60M | 165M | -9M | -4M |
| longTermNetDebtIssuance | 5.82M | -15M | 115M | 90M | -9M | -4M |
| shortTermNetDebtIssuance | 45M | 15M | -55M | 75M | - | - |
| netStockIssuance | -4.61M | -2.72M | -2.22M | 79.25M | - | - |
| netCommonStockIssuance | -4.61M | -2.72M | -2.22M | 79.25M | - | - |
| commonStockIssuance | - | - | - | 79.25M | - | - |
| commonStockRepurchased | -4.61M | -2.72M | -2.22M | - | - | - |
| netPreferredStockIssuance | - | - | - | - | - | - |
| netDividendsPaid | - | - | - | - | - | - |
| commonDividendsPaid | - | - | - | - | - | - |
| preferredDividendsPaid | - | - | - | - | - | - |
| otherFinancingActivities | 133.78M | 130.3M | 150.06M | 146.4M | 80.33M | 67.58M |
| netCashProvidedByFinancingActivities | 179.99M | 127.57M | 207.84M | 390.64M | 71.33M | 63.58M |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| revenue | 21.94M | 21.4M | 20.76M | 19.46M | 17.89M | 18.14M | 17.46M | 16.68M | 16M | 15.16M |
| costOfRevenue | 11.93M | 12.13M | 12.14M | 12.56M | 10.96M | 10.72M | 10.91M | 10.66M | 9.94M | 9.06M |
| grossProfit | 10.01M | 9.27M | 8.61M | 6.9M | 6.93M | 7.42M | 6.55M | 6.01M | 6.06M | 6.09M |
| researchAndDevelopmentExpenses | - | - | - | - | - | - | - | - | - | - |
| generalAndAdministrativeExpenses | 447K | 496K | 3.81M | 264K | 3.66M | 3.82M | 3.6M | 3.53M | 3.7M | 3.44M |
| sellingAndMarketingExpenses | 198K | 146K | 172K | 189K | 132K | 155K | 159K | 106K | 131K | 218K |
| sellingGeneralAndAdministrativeExpenses | 645K | 642K | 3.99M | 453K | 3.79M | 3.97M | 3.76M | 3.64M | 3.83M | 3.66M |
| otherExpenses | 5.1M | 5.14M | 1.37M | 4.53M | 1.42M | 1.51M | 1.25M | 1.31M | 1.4M | 1.38M |
| operatingExpenses | 5.74M | 5.78M | 5.36M | 4.98M | 5.21M | 5.48M | 5.01M | 4.95M | 5.23M | 5.04M |
| costAndExpenses | 17.68M | 17.91M | 17.5M | 17.54M | 16.17M | 16.2M | 15.92M | 15.61M | 15.17M | 14.1M |
| netInterestIncome | 9.83M | 9.15M | 8.46M | 7.66M | 6.65M | 6.78M | 6.29M | 6.01M | 5.9M | 5.94M |
| interestIncome | 21.61M | 21.04M | 20.42M | 19.1M | 17.62M | 17.81M | 17.16M | 16.39M | 15.69M | 14.9M |
| interestExpense | 11.78M | 11.89M | 11.96M | 11.44M | 10.97M | 11.03M | 10.86M | 10.37M | 9.79M | 8.96M |
| depreciationAndAmortization | 75000 | 73000 | 74000 | 75000 | 75000 | 75000 | 76000 | 76000 | 75000 | 74000 |
| ebitda | 4.34M | 3.56M | 3.33M | 1.99M | 1.8M | 2.01M | 1.61M | 1.14M | 907K | 1.13M |
| ebit | 4.26M | 3.49M | 3.26M | 1.92M | 1.72M | 1.94M | 1.54M | 1.06M | 832K | 1.06M |
| nonOperatingIncomeExcludingInterest | - | - | - | - | - | - | - | - | - | - |
| operatingIncome | 4.26M | 3.49M | 3.26M | 1.92M | 1.72M | 1.94M | 1.54M | 1.06M | 832K | 1.06M |
| totalOtherIncomeExpensesNet | - | - | - | - | - | - | - | - | - | - |
| incomeBeforeTax | 4.26M | 3.49M | 3.26M | 1.92M | 1.72M | 1.94M | 1.54M | 1.06M | 832K | 1.06M |
| incomeTaxExpense | 1.14M | 891K | 817K | 475K | 424K | 493K | 405K | 272K | 211K | 266K |
| netIncomeFromContinuingOperations | 3.12M | 2.6M | 2.44M | 1.44M | 1.3M | 1.45M | 1.13M | 791K | 621K | 789K |
| netIncomeFromDiscontinuedOperations | - | - | - | - | - | - | - | - | - | - |
| otherAdjustmentsToNetIncome | - | - | - | - | - | - | - | - | - | - |
| netIncome | 3.12M | 2.6M | 2.44M | 1.44M | 1.3M | 1.45M | 1.13M | 791K | 621K | 789K |
| netIncomeDeductions | - | - | - | - | - | - | - | - | - | - |
| bottomLineNetIncome | 3.12M | 2.6M | 2.44M | 1.44M | 1.3M | 1.45M | 1.13M | 791K | 621K | 789K |
| eps | 0.39 | 0.32 | 0.3 | 0.18 | 0.16 | 0.18 | 0.14 | 0.1 | 0.07 | 0.09 |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| cashAndCashEquivalents | 3.04M | 94.92M | 110.62M | 98.66M | 148.21M | 157.72M | 119.83M | 111.44M | 112.37M | 119.04M |
| shortTermInvestments | - | 8.88M | 10.26M | 14.32M | 16.31M | 14.57M | 4.16M | - | 2.5M | 5M |
| cashAndShortTermInvestments | 3.04M | 103.8M | 120.88M | 112.98M | 164.52M | 172.28M | 123.99M | 111.44M | 114.87M | 124.04M |
| netReceivables | 5.33M | 5.21M | 5.25M | 4.78M | 4.34M | 4.02M | 4.16M | 4.21M | 4.05M | 3.77M |
| accountsReceivables | 5.33M | 5.21M | 5.25M | 4.78M | 4.34M | 4.02M | 4.16M | 4.21M | 4.05M | 3.77M |
| otherReceivables | - | - | - | - | - | - | - | - | - | - |
| inventory | - | - | - | - | - | - | - | - | - | - |
| prepaids | - | - | - | - | - | - | - | - | - | - |
| otherCurrentAssets | - | - | - | - | - | - | - | - | - | - |
| totalCurrentAssets | 8.37M | 109.02M | 126.13M | 117.75M | 168.86M | 176.3M | 128.16M | 115.65M | 118.92M | 127.8M |
| propertyPlantEquipmentNet | 3.36M | 3.43M | 3.43M | 3.43M | 3.46M | 3.51M | 3.59M | 3.66M | 3.7M | 3.75M |
| goodwill | - | - | - | - | - | - | - | - | - | - |
| intangibleAssets | - | - | - | - | - | - | - | - | - | - |
| goodwillAndIntangibleAssets | - | - | - | - | - | - | - | - | - | - |
| longTermInvestments | 1.61B | 1.45B | 1.38B | 1.36B | 1.24B | 1.2B | 1.19B | 1.18B | 1.15B | 1.12B |
| taxAssets | 5.05M | 5.67M | 5.61M | 5.51M | 4.92M | 4.91M | 5.59M | 4.6M | 4.42M | 4.77M |
| otherNonCurrentAssets | 22.45M | 34.17M | 32.69M | 32.51M | 31.61M | 31.77M | 27.74M | 28.05M | 28.11M | 27.24M |
| totalNonCurrentAssets | 1.64B | 1.5B | 1.43B | 1.4B | 1.28B | 1.24B | 1.23B | 1.22B | 1.18B | 1.15B |
| otherAssets | - | - | - | - | - | - | - | - | - | - |
| totalAssets | 1.65B | 1.61B | 1.55B | 1.52B | 1.45B | 1.42B | 1.36B | 1.34B | 1.3B | 1.28B |
| totalPayables | - | - | - | - | - | - | - | - | - | - |
| accountPayables | - | - | - | - | - | - | - | - | - | - |
| otherPayables | - | - | - | - | - | - | - | - | - | - |
| accruedExpenses | - | - | - | - | - | - | - | - | - | - |
| shortTermDebt | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligationsCurrent | - | - | - | - | - | - | - | - | - | - |
| taxPayables | - | - | - | - | - | - | - | - | - | - |
| deferredRevenue | - | - | - | - | - | - | - | - | - | - |
| otherCurrentLiabilities | - | 1.13B | 1.11B | 1.07B | 1.04B | 998.53M | 944.32M | 932.78M | 901.65M | 868.21M |
| totalCurrentLiabilities | - | 1.13B | 1.11B | 1.07B | 1.04B | 998.53M | 944.32M | 932.78M | 901.65M | 868.21M |
| longTermDebt | 260.82M | 284.82M | 259.82M | 264.82M | 234M | 234M | 234M | 224M | 224M | 234M |
| capitalLeaseObligationsNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredRevenueNonCurrent | - | - | - | - | - | - | - | - | - | - |
| deferredTaxLiabilitiesNonCurrent | - | - | - | - | - | - | - | - | - | - |
| otherNonCurrentLiabilities | 1.21B | 16.56M | 14.92M | 14.48M | 12.99M | 17.35M | 13.58M | 12.7M | 11.98M | 13.22M |
| totalNonCurrentLiabilities | 1.47B | 301.38M | 274.74M | 279.3M | 246.99M | 251.35M | 247.58M | 236.7M | 235.98M | 247.22M |
| otherLiabilities | - | - | - | - | - | - | - | - | - | - |
| capitalLeaseObligations | - | - | - | - | - | - | - | - | - | - |
| totalLiabilities | 1.47B | 1.43B | 1.38B | 1.35B | 1.28B | 1.25B | 1.19B | 1.17B | 1.14B | 1.12B |
| treasuryStock | - | - | - | - | - | - | - | - | - | - |
| preferredStock | - | - | - | - | - | - | - | - | - | - |
| commonStock | 88000 | 88000 | 88000 | 89000 | 90000 | 91000 | 92000 | 92000 | 92000 | 93000 |
| retainedEarnings | 98.74M | 95.62M | 93.02M | 90.58M | 89.14M | 87.84M | 86.4M | 85.27M | 84.48M | 83.85M |
| additionalPaidInCapital | 83.03M | 83M | 83.16M | 84.76M | 85.88M | 86.19M | 86.67M | 86.97M | 87.16M | 87.43M |
| date | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| netIncome | 3.12M | 2.6M | 2.44M | 1.44M | 1.3M | 1.45M | 1.13M | 791K | 621K | 789K |
| depreciationAndAmortization | 75000 | 73000 | 74000 | 75000 | 75000 | 75000 | 76000 | 76000 | 75000 | 74000 |
| deferredIncomeTax | 326K | -94000 | -134K | -312K | 294K | 220K | -465K | -179K | 174K | -35000 |
| stockBasedCompensation | 469K | 469K | 466K | 424K | 453K | 536K | 452K | 438K | 443K | 353K |
| changeInWorkingCapital | -1.65M | 1.05M | -482K | 605K | -2.58M | 1.85M | -286K | 606K | -1.9M | 1.32M |
| accountsReceivables | -115K | 37000 | -476K | -432K | -328K | 149K | 47000 | -160K | -285K | -376K |
| inventory | - | - | - | - | - | - | - | - | - | - |
| accountsPayables | -327K | -258K | 192K | -302K | 670K | -622K | 766K | -541K | 381K | 907K |
| otherWorkingCapital | -1.21M | 1.27M | -198K | 1.34M | -2.93M | 2.33M | -1.1M | 1.31M | -2M | 790K |
| otherNonCashItems | 467K | -165K | 1.66M | -337K | -166K | 349K | -49000 | -346K | 157K | 129K |
| netCashProvidedByOperatingActivities | 2.81M | 3.93M | 4.02M | 1.9M | -631K | 4.48M | 861K | 1.39M | -429K | 2.63M |
| investmentsInPropertyPlantAndEquipment | -4000 | -75000 | -71000 | -50000 | -18000 | - | - | -40000 | -20000 | -99000 |
| acquisitionsNet | - | - | - | - | - | - | - | - | - | - |
| purchasesOfInvestments | -3.38M | -14.57M | -10.89M | -26.22M | -11.08M | -2.45M | -4.18M | -7.37M | -1.5M | -5.86M |
| salesMaturitiesOfInvestments | 4.82M | 14.07M | 8.54M | 21.36M | 5.98M | 4.07M | 3.24M | 6.74M | 3.65M | 3.72M |
| otherInvestingActivities | -22.58M | -67.25M | -31.84M | -106.6M | -41.18M | -21.39M | -12.62M | -32.24M | -31.18M | -42.8M |
| netCashProvidedByInvestingActivities | -21.14M | -67.83M | -34.27M | -111.52M | -46.29M | -19.77M | -13.56M | -32.92M | -29.04M | -45.03M |
| netDebtIssuance | -24M | 25M | -5M | 30.82M | - | 10M | 10M | -20M | -10M | 10M |
| longTermNetDebtIssuance | -4M | - | 5M | 815K | - | 10M | 10M | -10M | -25M | 10M |
| shortTermNetDebtIssuance | -20M | 25M | -10M | 30M | - | -10M | - | 10M | 15M | - |
| netStockIssuance | -350K | -542K | -1.97M | -1.46M | -673K | -902K | -663K | -528K | -629K | -1.64M |
| netCommonStockIssuance | -350K | -542K | -1.97M | -1.46M | -673K | -902K | -663K | -528K | -629K | -1.64M |
| commonStockIssuance | - | -29000 | - | - | - | - | - | - | - | - |
| commonStockRepurchased | -350K | -513K | -1.97M | -1.46M | -673K | -902K | -663K | -528K | -629K | -1.64M |
| netPreferredStockIssuance | - | - | - | - | - | - | - | - | - | - |
| netDividendsPaid | - | - | - | - | - | - | - | - | - | - |
| commonDividendsPaid | - | - | - | - | - | - | - | - | - | - |
| preferredDividendsPaid | - | - | - | - | - | - | - | - | - | - |
| otherFinancingActivities | 67.05M | 23.74M | 41.17M | 30.82M | 38.09M | 54.18M | 11.55M | 31.13M | 33.43M | 55.68M |
| netCashProvidedByFinancingActivities | 42.7M | 48.2M | 34.2M | 60.18M | 37.41M | 53.28M | 20.88M | 30.6M | 22.8M | 64.05M |