ECB Bancorp Inc. Common Stock (ECBK)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

ECB Bancorp is a small community bank holding company for Everett Co-operative Bank, with 64 employees. I like simple, understandable banks, but a moat here is thin: local deposits and loans can be sticky, yet scale, funding costs, and underwriting matter more. The recent numbers are encouraging. In fiscal Q2 2026, the quarter ended 2026-06-30, it filed net income of $3.3 million and diluted EPS of $0.39, versus net income of $1.4 million and EPS of $0.17 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026, the quarter ended 2026-03-31, showed $3.1 million and $0.38. For FY2025, the year ended 2025-12-31, it filed net income of $7.8 million and EPS of $0.94, up from $4.0 million and $0.48 in FY2024, the year ended 2024-12-31. FairStock calculates profit growth of 140.71% and revenue growth of 46.86%, which are striking, though the filed revenue lines—$152,000 in fiscal Q2 2026, the quarter ended 2026-06-30, and $598,000 in FY2025, the year ended 2025-12-31—look odd against the profits and need clarification. At the 2026-10-13 close of $20.48, FairStock shows a P/E of 14.84, P/B of 1.00, PEG of 0.11, and ROE of only 6.56%. A bank earning 6.56% on equity at book value is not obviously mispriced; it may be fair unless returns improve. The Piotroski F-Score is 6/9, beta is 0.46, and the Lynch category is STALWART, with 17.8% annual profit growth over four years. Missing CET1, net interest margin, nonperforming loans, charge-offs, and reserves mean I cannot judge credit or capital. No dividend.

In plain English: ECB Bancorp is a small community bank holding company for Everett Co-operative Bank, with 64 employees, making money from deposits and loans. Recent profits have jumped, but the bank's overall return on shareholder money is modest. At $20.48, the stock trades near its accounting net asset value and about 15 times trailing earnings, so it looks neither clearly cheap nor expensive based on the supplied numbers.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer