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Financials · ECBK

ECB Bancorp Inc. (ECBK) financials

For the twelve months ended Sep 30, 2026, ECB Bancorp Inc. reported $41.11M of revenue and $12.37M of net income.

Revenue, TTM
$41.11M
Revenue growth, YoY
+33.3%
Net income, TTM
$12.37M
Net income growth, YoY
+86.8%
Net margin
30.1%
Free cash flow, TTM
$21.87M
EPS, diluted, TTM
$1.49
EPS growth, YoY
+86.2%
P/E
15.05
P/S
4.53
Market cap
$186.2M
Annual revenue$33.24M
FY2021FY2025
Annual net income$7.77M
FY2021FY2025
Annual free cash flow$9.01M
FY2021FY2025

ECBK revenue and earnings growth

ECBK revenueQ3 2026$11.09M

Quarter YoY
+26.1%
QoQ
+7.3%
FY YoY
+26.8%

ECBK revenue was $11.09M in fiscal Q3 2026 (ended Sep 30, 2026), up 26.1% from a year earlier and up 7.3% from the prior quarter. For the full fiscal 2025 it was $33.24M, up 26.8% from fiscal 2024. It rose in each of the last 4 fiscal years. Fiscal 2025 is the highest of the 5 fiscal years on file.

ECBK net incomeQ3 2026$3.39M

Quarter YoY
+39.0%
QoQ
+4.0%
FY YoY
+94.7%

ECBK net income was $3.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 39.0% from a year earlier and up 4.0% from the prior quarter. For the full fiscal 2025 it was $7.77M, up 94.7% from fiscal 2024. It rose in 2 of the last 4 fiscal years. Fiscal 2025 is the highest of the 5 fiscal years on file.

ECBK EPSQ3 2026$0.40

Quarter YoY
+37.9%
QoQ
+2.6%
FY YoY
+95.8%

ECBK diluted EPS was $0.40 in fiscal Q3 2026 (ended Sep 30, 2026), up 37.9% from a year earlier and up 2.6% from the prior quarter. For the full fiscal 2025 it was $0.94, up 95.8% from fiscal 2024.

ECBK free cash flowQ3 2026$3.43M

Quarter YoY
-13.3%
QoQ
-70.9%
FY YoY
+46.0%

ECBK free cash flow was $3.43M in fiscal Q3 2026 (ended Sep 30, 2026), down 13.3% from a year earlier and down 70.9% from the prior quarter. For the full fiscal 2025 it was $9.01M, up 46.0% from fiscal 2024. It rose in 3 of the last 4 fiscal years. Fiscal 2025 is the highest of the 5 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Revenue$33.24M$26.21M$25.84M$25.04M$19.92M
Interest expense--$29.99M$5.51M$3.68M
Pre-tax income$10.38M$5.37M$5.99M$3.50M$5.47M
Income tax$2.61M$1.38M$1.53M$776.0K$1.43M
Net income$7.77M$3.99M$4.46M$2.72M$4.04M
EPS, basic$0.96$0.48$0.53$0.32-
EPS, diluted$0.94$0.48$0.52$0.32-
Diluted shares8.3M8.3M8.5M8.5M0

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Short-term investments$82.80M$151.79M$115.25M$58.93M$45.65M
Total assets$1.61B$1.42B$1.28B$1.06B$666.49M
Total liabilities$1.43B$1.25B$1.12B$901.73M$589.22M
Shareholders' equity$171.93M$168.27M$164.90M$162.73M$77.27M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Operating cash flow$9.22M$6.23M$6.43M$7.77M$6.45M
Capital expenditures$214.0K$60.0K$335.0K$216.0K$104.0K
Free cash flow$9.01M$6.17M$6.10M$7.55M$6.34M
Investing cash flow-$259.90M-$95.29M-$157.29M-$389.34M-$68.22M
Financing cash flow$179.99M$127.64M$207.84M$390.64M$71.33M
Share repurchases$4.61M$2.72M$2.23M--
Stock-based compensation$1.23M$1.31M$470.0K$559.0K$0
Depreciation and amortization$297.0K$302.0K$279.0K$302.0K$300.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
Revenue growth, YoY26.8%1.4%3.2%25.7%-
Net income growth, YoY94.7%-10.4%63.8%-32.7%-
EPS growth, YoY95.8%-7.7%62.5%--
Net margin23.4%15.2%17.2%10.9%20.3%
Free cash flow margin27.1%23.5%23.6%30.2%31.9%
Return on equity4.5%2.4%2.7%1.7%5.2%
Return on assets0.5%0.3%0.3%0.3%0.6%

Source: XBRL data ECB Bancorp Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ECBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ECBK$41.11M+33.3%$12.37M30.1%$186.2M
FLG$2.10B-1.4%$96.00M4.6%$4.39B
BBT$969.65M+103.9%$225.19M23.2%$2.57B
HFWA$314.90M+33.0%$77.45M24.6%$1.17B
NBBK$283.44M+43.2%$66.95M23.6%$978.9M
SMBC$204.74M+9.0%$75.29M36.8%$792.1M
TCBX$248.00M+24.8%$75.26M30.3%$665.1M
GCBC$95.87M+19.9%$44.65M46.6%$620.1M

ECBK FAQ

7 questions
  • What is ECBK revenue?
    ECB Bancorp Inc. (ECBK) reported $41.11M of revenue for the twelve months ended Sep 30, 2026. That is up 33.3% from the year before. Revenue for fiscal 2025 was $33.24M.
  • Is ECBK profitable?
    Yes. ECB Bancorp Inc. earned $12.37M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.1%.
  • How fast is ECBK revenue growing?
    ECB Bancorp Inc.'s revenue changed +26.8% in fiscal 2025, to $33.24M.
  • What is ECBK free cash flow?
    ECB Bancorp Inc. generated $21.87M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $23.33M less capital expenditures.
  • What is ECBK earnings per share?
    Diluted earnings per share were $1.49 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ECBK last report financial results?
    The latest statements here come from ECB Bancorp Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this ECBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data ECB Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.