Stocks · Financial Services · Banks - Regional
ECB Bancorp, Inc. ECBK
$20.43 +0.34% Close, Oct 2, 2026 · NASDAQ · Market cap $178.8M
Strong growth
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.37, up 114.1% year over year.
- At 14.9× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Operating margin widened to 17.9% from 9.8% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 24%
- EPS growth (TTM, YoY)Top 9%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRTop 11%
- Revenue growth accelerationBottom 49%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 15%
- Gross marginBottom 17%
- Operating marginBottom 41%
- Cash conversion (OCF / net income)Top 19%
- Accruals (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Bottom 5%
- Interest coverBottom 19%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 50%
- Free-cash-flow yieldTop 24%
- EBITDA / enterprise valueBottom 32%
- Sales / enterprise valueBottom 22%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 21%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 31%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 36%
- Maximum drawdown, 3 yearsTop 23%
- Beta vs S&P 500 (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Bottom 5%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 19.1% | 18.6% | ↓ |
| EPS growth (YoY) | 103.6% | 114.1% | ↑ |
| Gross margin | 38.1% | 44.1% | ↑ |
| Operating margin | 9.8% | 17.9% | ↑ |
| FCF margin | 9.0% | 25.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 18.6% | 19.1% | ↓ | Top 24% |
| EPS growth (TTM, YoY) | 114.1% | 103.6% | ↑ | Top 9% |
| Gross margin | 44.1% | 38.1% | ↑ | Bottom 17% |
| Operating margin | 17.9% | 9.8% | ↑ | Bottom 41% |
| Net margin | 13.2% | 7.3% | ↑ | — |
| Free-cash-flow margin | 25.9% | 9.0% | ↑ | — |
| Return on invested capital | -1.1% | — | Bottom 15% | |
| Revenue growth, 3-year CAGR | 37.5% | — | Top 11% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.99×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -8.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 17.97×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.97%
- Shareholder yield
- 1.97%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- -0.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | +1.9% | +2.4% | +4.1% | — |
| May 8, 2026 | — | +0.3% | -2.4% | -2.5% | +10.7% |
| Feb 5, 2026 | — | +0.2% | -0.3% | -5.9% | -0.1% |
| Oct 22, 2025 | — | +2.8% | +0.6% | +12.5% | +10.6% |
| Jul 24, 2025 | — | -0.8% | -1.6% | +3.1% | -7.8% |
| Apr 24, 2025 | — | +0.2% | -2.5% | -1.1% | -2.9% |
| Mar 29, 2025 | — | -0.7% | -1.6% | +5.7% | -2.8% |
| Oct 24, 2024 | — | -0.1% | -1.5% | +0.0% | -4.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.39 | — | — | $22.4M |
| May 8, 2026 | $0.38 | — | — | $21.9M |
| Feb 5, 2026 | $0.31 | — | — | $21.4M |
| Oct 22, 2025 | $0.29 | — | — | $20.8M |
| Jul 24, 2025 | $0.17 | — | — | $19.5M |
| Apr 24, 2025 | $0.16 | — | — | $17.9M |
| Mar 29, 2025 | $0.17 | — | — | $18.1M |
| Oct 24, 2024 | $0.14 | — | — | $17.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.9× | 31.5× | 0th | Top 50% |
| EV / EBITDA | 29.4× | — | — | Bottom 32% |
| EV / Sales | 5.33× | — | — | Bottom 22% |
| Free-cash-flow yield | 12.52% | — | — | Top 24% |
| Earnings yield | 6.71% | — | — | Top 50% |
P/E over the past five years
Range 15.1× – 112.8× since Dec 31, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +28.2%
- Earnings per share growth (TTM)
- +114.1%
- Change in P/E multiple
- -38.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 129
- 50-day average slope (20 days)
- +1.4%
- 200-day average slope (20 days)
- +2.0%
- Distance from 50-day average
- -1.2%
- Distance from 200-day average
- +9.0%
- RSI (14)
- 46.6
- Relative volume
- 0.48×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.0%
- Volatility vs own 5-year history
- 57th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.41
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -5.2%
- Maximum drawdown, 3 years
- -16.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 2, 2022 | Oct 17, 2023 | -40.3% | 218 days | 457 days (Aug 22, 2025) |
| Aug 26, 2025 | Oct 16, 2025 | -13.9% | 36 days | 14 days (Nov 5, 2025) |
| Feb 17, 2026 | Mar 20, 2026 | -13.3% | 23 days | 13 days (Apr 9, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $178.8M
- P/E (TTM)
- 14.9
- EPS, diluted (TTM)
- $1.37
- Revenue (TTM)
- $86.5M
- 52-week range
- $14.83 – $21.78
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $23.6M | $30.6M | $55.8M | $68.3M | $79.5M |
| Gross profit | $19.6M | $22.1M | $25.0M | $26.0M | $31.7M |
| Operating income | $5.5M | $3.5M | $6.0M | $5.4M | $10.4M |
| Net income | $4.0M | $2.7M | $4.5M | $4.0M | $7.8M |
| EPS (diluted) | $0.33 | $0.32 | $0.52 | $0.48 | $0.94 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $17.5M | $18.1M | $17.9M | $19.5M | $20.8M | $21.4M | $21.9M | $22.4M |
| Net income | $1.1M | $1.4M | $1.3M | $1.4M | $2.4M | $2.6M | $3.1M | $3.3M |
| EPS (diluted) | $0.14 | $0.17 | $0.16 | $0.17 | $0.29 | $0.31 | $0.38 | $0.39 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $6.4M | $7.8M | $6.4M | $6.3M | $9.2M |
| Capital expenditure | -$104,000 | -$216,000 | -$335,000 | -$60,000 | -$214,000 |
| Free cash flow | $6.3M | $7.6M | $6.1M | $6.2M | $9.0M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $79.2M | -$2.2M | -$2.7M | -$4.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $124.0M
- Total assets
- $1.67B
- Total liabilities
- $1.49B
- Total debt
- $285.0M
- Net debt
- $282.1M
- Shareholders’ equity
- $179.9M
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 127,092
- Days to cover
- 10.80
- Change vs previous report
- -21.4%
FINRA short interest, settlement date Sep 15, 2026.