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ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
ECB Bancorp Inc. is a regional bank holding company that offers commercial and consumer banking services through its subsidiary to local customers. Key long-term drivers include net interest margin expansion, loan growth tied to the local economy, and digital adoption, which may support deposit retention; investors may find the company attractive for its community banking franchise and potential for stable deposit-funded earnings.
Material risks include credit losses from regional downturns, interest-rate sensitivity, competitive pressure from larger banks and fintech, and regulatory or capital constraints.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 10.38M | 5.37M | 5.99M | 3.50M | 5.47M |
| Net income | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M |
| Selling general administrative | 1.37M | 14.65M | 13.05M | 10.58M | 10.17M |
| Selling and marketing expenses | 0.64M | 0.55M | 0.79M | 0.75M | 0.65M |
| Gross profit | 31.71M | 26.04M | 25.04M | 25.04M | 19.92M |
| Reconciled depreciation | 0.30M | 0.30M | 0.28M | 0.30M | 0.30M |
| Ebit | - | 5.37M | 5.99M | 8.89M | 5.47M |
| Ebitda | 10.38M | 5.67M | 6.26M | 9.19M | 5.77M |
| Depreciation and amortization | - | 0.30M | 0.28M | 0.30M | 0.30M |
| Operating income | 10.38M | 5.37M | 5.99M | 8.89M | 5.47M |
| Other operating expenses | 69.13M | 62.90M | 49.84M | 1.60M | -14.45M |
| Interest expense | 46.26M | 42.06M | 29.99M | 5.51M | 3.68M |
| Tax provision | 2.61M | 1.38M | 1.65M | 0.78M | 1.43M |
| Interest income | 78.18M | 67.05M | 49.56M | 29.15M | 22.38M |
| Net interest income | 31.92M | 24.99M | 25.66M | 23.63M | 18.69M |
| Income tax expense | 2.61M | 1.38M | 1.53M | 0.78M | 1.43M |
| Total revenue | 79.51M | 68.27M | 55.83M | 25.04M | 19.92M |
| Total operating expenses | 21.33M | 20.67M | 19.05M | 1.60M | -14.45M |
| Cost of revenue | 47.80M | 42.23M | 30.79M | - | - |
| Total other income expense net | - | -2.29M | -2.33M | -5.39M | -3.68M |
| Net income from continuing ops | 7.77M | 3.99M | 4.64M | 2.72M | 4.04M |
| Net income applicable to common shares | - | - | - | - | 4.04M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1605.65M | 1418.15M | 1280.91M | 1064.46M | 666.49M |
| Other current assets | 8.00M | - | 122.80M | - | 2.78M |
| Total liab | 1433.72M | 1249.88M | 1116.01M | 174.00M | 9.00M |
| Total stockholder equity | 171.93M | 168.27M | 164.90M | 162.73M | 77.27M |
| Other current liab | 81.50M | 998.53M | 464.53M | - | - |
| Common stock | 0.09M | 0.09M | 0.09M | 0.09M | - |
| Capital stock | 0.09M | 0.09M | 0.09M | 0.09M | - |
| Retained earnings | 95.62M | 87.84M | 83.85M | 80.08M | 77.36M |
| Other liab | - | - | - | - | 8.48M |
| Other assets | 1505.52M | 1248.10M | - | 991.74M | 554.56M |
| Cash | 4.12M | 157.72M | 119.04M | 62.35M | 31.07M |
| Total current liabilities | 81.50M | 998.53M | 494.72M | - | 571.73M |
| Net debt | 280.69M | 76.28M | 116.30M | 111.65M | -22.07M |
| Short term debt | - | 25.19M | 30.19M | - | - |
| Short long term debt total | 284.81M | 234.00M | 235.34M | 174.00M | 9.00M |
| Other stockholder equity | 83.00M | 79.95M | 87.43M | 82.31M | -0.08M |
| Property plant equipment | - | - | - | - | 3.78M |
| Total current assets | 92.14M | 176.30M | 122.80M | 64.68M | 37.57M |
| Long term investments | 90.08M | 79.78M | 81.98M | 82.59M | 70.58M |
| Net tangible assets | - | - | - | - | 77.27M |
| Short term investments | 82.80M | 14.57M | 5.00M | 5.00M | 5.01M |
| Net receivables | 5.21M | 4.01M | 3.77M | 2.63M | 1.48M |
| Long term debt | 284.81M | 234.00M | 234.00M | 174.00M | 9.00M |
| Inventory | - | - | 0.02M | - | - |
| Accounts payable | - | - | - | - | 571.73M |
| Accumulated other comprehensive income | -6.77M | 0.38M | -6.48M | 0.25M | -0.08M |
| Non currrent assets other | -1453.37M | 31.77M | 16.05M | -82.59M | -74.36M |
| Non current assets total | 9.10M | 1241.86M | 1158.11M | 8.04M | 74.36M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -12.82M | -95.29M | -276.38M | -389.34M | -12.94M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -259.90M | -95.29M | -157.29M | - | -68.22M |
| Net borrowings | 50.81M | 0.00M | 60.00M | - | -9.00M |
| Total cash from financing activities | 179.99M | 127.57M | 207.84M | 390.64M | 71.33M |
| Change to operating activities | - | - | - | - | 1.23M |
| Net income | 7.77M | 3.99M | 4.46M | 2.72M | 4.04M |
| Change in cash | -70.69M | 38.58M | 56.99M | 9.07M | 9.56M |
| Begin period cash flow | 157.62M | 119.04M | 62.05M | 52.98M | 43.41M |
| End period cash flow | 86.92M | 157.62M | 119.04M | 62.05M | 52.98M |
| Total cash from operating activities | 9.22M | 6.30M | 6.43M | 7.77M | 6.45M |
| Issuance of capital stock | - | - | -0.00M | 79.25M | - |
| Depreciation | 0.30M | 0.30M | 0.28M | 0.30M | 0.30M |
| Other cashflows from investing activities | -259.90M | -97.44M | -157.53M | - | -4.67M |
| Change to inventory | - | - | 0.83M | - | - |
| Change to account receivables | -1.20M | -0.25M | -1.13M | -1.15M | 0.34M |
| Sale purchase of stock | -4.61M | -2.72M | -2.23M | - | - |
| Other cashflows from financing activities | 133.78M | 130.29M | 150.06M | 331.39M | 84.33M |
| Change to netincome | - | - | - | 3.08M | 0.37M |
| Capital expenditures | 0.21M | 0.06M | 0.34M | 0.22M | 0.10M |
| Change in working capital | -1.41M | 0.27M | 0.31M | 1.10M | 1.74M |
| Stock based compensation | 1.81M | 1.87M | 0.74M | 0.56M | 2.25M |
| Other non cash items | 2.86M | 0.11M | 0.76M | 4.59M | -0.77M |
| Free cash flow | 9.23M | 6.24M | 6.10M | 7.55M | 6.34M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ECBK ECB Bancorp Inc. |
0.03 0.14% |
21.48 | 15.29 | - | 4.83 | 1.02 | 12.09 |
| DBSDY DBS Group Holdings Ltd ADR |
4.37 2.02% |
220.25 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.05 0.14% |
34.68 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.
| Name | Title | Year Born |
|---|---|---|
| Mr. Richard J. O'Neil Jr. | CEO, Pres & Director | 1958 |
| Mr. John A. Citrano | Sec., COO, CFO & Exec. VP | 1964 |
| Mr. Brandon Lavertu | Chief Accounting Officer | NA |
| Ms. Karen L. Chasse | Sr. VP, Compliance Officer & BSA Officer | NA |
| Ms. Emily M. Cieri | Sr. VP & Sr. Credit Officer | NA |
| Mr. Sean Cummings | Sr. VP of Commercial Lending | NA |
| Ms. Carmela Vitale | Sr. VP & Treasurer | NA |
| Mr. John Migliozzi | Exec. VP & Chief Lending Officer | 1958 |
| Mr. Richard J. O'Neil Jr. | CEO, President & Director | 1958 |
| Mr. John A. Citrano | Secretary, COO, CFO & Executive VP | 1964 |
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