ECB Bancorp, Inc.

ECBK

$21.78

+3.37%

2026-09-03 14:24:27 EDT+$0.71

Financial Services

Banks - Regional

NASDAQ

Active Trading

ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. ...

Price Action of ECBK

$21.78

+3.37%+$0.71

High—

Low—

52W High0.0%

Rel. vol—

Interval

Range3.2h

Volume—SMA5SMA10

—

ECB Bancorp, Inc. (NASDAQ: ECBK) is the holding company for Everett Co-operative Bank, a Massachusetts-chartered stock cooperative bank founded in 1890 and headquartered in Everett, Massachusetts. The bank operates through two full-service branches in Everett and Lynnfield, Massachusetts. It offers a comprehensive suite of deposit products including certificates of deposit, ...ECB Bancorp, Inc. (NASDAQ: ECBK) is the holding company for Everett Co-operative Bank, a Massachusetts-chartered stock cooperative bank founded in 1890 and headquartered in Everett, Massachusetts. The bank operates through two full-service branches in Everett and Lynnfield, Massachusetts. It offers a comprehensive suite of deposit products including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking accounts. Its lending portfolio includes residential mortgages for one-to-four family properties, commercial and multi-family real estate loans, construction and land development loans, general commercial loans, consumer loans, and home equity loans and lines of credit. Additionally, the company invests in securities such as U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. As of the latest data, the company has 64 full-time employees. Key management includes Richard J. O'Neil Jr., President and CEO, John A. Citrano, EVP and COO, and John Migliozzi. The company went public in July 2022. Financially, ECBK has a market capitalization of approximately $179.9 million, a price-to-earnings ratio of 14.47, and a price-to-book ratio of 0.91. The bank's return on equity is 6.6%, and its net profit margin is 13.2%. The company has no dividend payments. ECB Bancorp remains focused on serving the local communities and maintaining a strong relationship with its customers.ExpandCollapse

Founded

1890

Employees

CEO

Richard J. O'Neil Jr.

Full Name

ECB Bancorp, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

6.55%

Market Cap

$0.19B

Current Ratio

0.11

WACC

10.05%

ROIC

-1.08%

Contact Information

https://www.everettbank.com

617 387 1110

419 Broadway, Everett, MA 02149

Key Metrics of ECBK

Snapshot

Latest / TTM · 6 periods

Market Cap

$190.66M

ROCE

3.2%

EV / EBITDA

29.99x

+1.0% YoY

FCF Yield

11.9%

+5.5% YoY

Cash Conversion Cycle

22.2d

Current Ratio

0.11

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of ECBK

Profitability trend

Latest / TTM · 6 periods

Gross Margin

44.1%

Net Margin

13.2%

P/E Ratio

15.18x

n/a

Debt / Equity

1.58

n/a

Current Ratio

0.11

Dividend Yield

0.0%

Understanding

TTM —

Current ratio below 1.0

Calendar of ECBK

Recent history

Aug 7, 2026
Q2 FY2026 · Results reported
EPS $0.39 · Revenue $22.44M
View filing
May 8, 2026
Q1 FY2026 · Results reported
EPS $0.38 · Revenue $21.94M
View filing
Mar 25, 2026
FY2025 · Annual results
EPS $0.94 · Revenue $79.51M
View filing
Nov 7, 2025
Q3 FY2025 · Results reported
EPS $0.29 · Revenue $20.76M
View filing
Aug 8, 2025
Q2 FY2025 · Results reported
EPS $0.17 · Revenue $19.46M
View filing
May 9, 2025
Q1 FY2025 · Results reported
EPS $0.16 · Revenue $17.89M
View filing

Financial Statements of ECBK

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$79.5M	+16.5%	+2.3%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$7.8M	+94.7%	+4.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+39.9%	+4.6%	+0.4%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+13.1%	+65.9%	+2.4%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+9.8%	+67.2%	+2.1%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$9.0M	+44.4%	+319.8%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+11.3%	+24.0%	+310.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	165.7%	+19.1%	+6.9%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.10x	-45.5%	—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$1.6B	+13.2%	+1.3%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	—	—	—	—
Revenue Surprise	$79.5M vs $50.1M	+58.8%	$22.4M vs $6.4M	+250.2%

Insider Transactions of ECBK

Acquisitions (A)

Since Dec 8, 2025

Disposals (D)

Since Dec 8, 2025

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Apr 30, 2026	Lavertu Brandon	officer: CFO	Common Stock	A	10	$17.92
Apr 30, 2026	Lavertu Brandon	officer: CFO	Common Stock	A	10	$17.91
Apr 30, 2026	Lavertu Brandon	officer: CFO	Common Stock	A	10	$17.88
Apr 30, 2026	Lavertu Brandon	officer: CFO	Common Stock	A	10	$17.85
Feb 9, 2026	Sullivan Maura Ellen	director	Common Stock	A	2,200	$18.50

Leadership Team of ECBK

6 executives

Name	Title	Compensation	Gender	Year Born	Status
Richard J. O'Neil Jr.	Chief Executive Officer, President & Director	USD 855,646	Male	1958	Active
John Migliozzi	Executive Vice President & Chief Lending Officer	USD 602,005	Male	1958	Active
John A. Citrano	Secretary, Chief Operating Officer & Executive Vice President	USD 549,079	Male	1964	Active
Brandon Lavertu	Executive Vice President and Chief Financial Officer	—	Male	1983	Active
Eric Jackson	Senior VP & Head of Residential Lending	—	—	—	Active
Karen L. Chasse	Senior Vice President of Compliance & BSA Officer	—	Female	—	Active

Historical Employee Count of ECBK

Current

Change

+0.00%

Minimum

Maximum

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	64	10-K	Mar 25, 2026	View
Dec 31, 2024	64	10-K	Mar 26, 2025	View
Dec 31, 2023	68	10-K	Mar 29, 2024	View
Dec 31, 2022	66	10-K	Mar 30, 2023	View

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ECB Bancorp, Inc.

Price Action of ECBK

Company Overview of ECBK

Contact Information

Key Metrics of ECBK

Financial Highlights of ECBK

Calendar of ECBK

Recent history

Q2 FY2026 · Results reported

Q1 FY2026 · Results reported

FY2025 · Annual results

Q3 FY2025 · Results reported

Q2 FY2025 · Results reported

Q1 FY2025 · Results reported

Financial Statements of ECBK

Insider Transactions of ECBK

Leadership Team of ECBK

Historical Employee Count of ECBK

Recent Filings

Related stocksBanks - Regional

Key Metrics of ECBK

Financial Highlights of ECBK

Calendar of ECBK

Recent history

Q2 FY2026 · Results reported

Q1 FY2026 · Results reported

FY2025 · Annual results

Q3 FY2025 · Results reported

Q2 FY2025 · Results reported

Q1 FY2025 · Results reported

Financial Statements of ECBK

Insider Transactions of ECBK

Leadership Team of ECBK

Historical Employee Count of ECBK

Recent Filings