ECB Bancorp, Inc. (ECBK) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, ECB Bancorp reported revenue of $33.2M, up 26.8% from $26.2M the year before. Net income was $7.8M (a 23.4% net margin), or $0.94 per diluted share. Net interest income was $31.9M, and the efficiency ratio (noninterest expense / revenue) was 64.2%. Operating activities generated $9.2M of cash, leaving $9.0M of free cash flow. At fiscal year end, ECB Bancorp held $1.61B in total assets against $1.43B in total liabilities.
Open the full interactive ECB Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
ECB Bancorp Key Stats
| Share Price | $20.48 |
|---|---|
| Market Cap | $170.7M |
| P/E Ratio | 21.8 |
| Revenue YoY Growth | +26.8% |
| 52-Week Range | $14.83 – $21.55 |
| Shares Outstanding | 8.0 million (basic, 2026 Q2) |
ECB Bancorp Income Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Net Interest Income | $23.6M | $24.8M | $25.0M | $31.9M |
| Provision for Credit Losses | $2.9M | $803,000 | $174,000 | $1.5M |
| Noninterest Income | $1.4M | $1.1M | $1.2M | $1.3M |
| Noninterest Expense | $18.6M | $19.1M | $20.7M | $21.3M |
| Revenue | $25.0M | $25.8M | $26.2M | $33.2M |
| Pre-Tax Income | $3.5M | $6.0M | $5.4M | $10.4M |
| Income Tax | $776,000 | $1.5M | $1.4M | $2.6M |
| Net Income | $2.7M | $4.5M | $4.0M | $7.8M |
| Diluted EPS | $0.32 | $0.52 | $0.48 | $0.94 |
ECB Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $8.8M | $9.5M | $10.2M | $10.3M |
| Net Income | $2.4M | $2.6M | $3.1M | $3.3M |
| Diluted EPS | $0.29 | $0.31 | $0.38 | $0.39 |
ECB Bancorp Balance Sheet
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Loans (Net) | $885.7M | $1.04B | — | $1.37B |
| Total Assets | $1.06B | $1.28B | $1.42B | $1.61B |
| Deposits | $718.1M | $868.2M | $998.5M | $1.13B |
| Total Long-Term Debt | $174.0M | $234.0M | $234.0M | $284.8M |
| Total Liabilities | $901.7M | $1.12B | $1.25B | $1.43B |
| Shareholders' Equity | $162.7M | $164.9M | $168.3M | $171.9M |
ECB Bancorp Cash Flow Statement
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|
| Cash From Operations | $7.8M | $6.4M | $6.3M | $9.2M |
| Cash From Investing | -$389.3M | -$157.3M | -$95.3M | -$259.9M |
| Cash From Financing | $390.6M | $207.8M | $127.6M | $180.0M |
| Free Cash Flow | $7.6M | $6.1M | $6.2M | $9.0M |
Figures from ECB Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full ECB Bancorp financials page for every line item.
ECB Bancorp Company Profile
| Ticker | ECBK |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Everett, Massachusetts |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001914605 |
Frequently Asked Questions
What was ECB Bancorp's revenue in fiscal 2025?
ECB Bancorp (ECBK) reported revenue of $33.2M for fiscal 2025.
What is ECB Bancorp's annual revenue history?
ECB Bancorp's annual revenue by fiscal year: 2022: $25.0M; 2023: $25.8M; 2024: $26.2M; 2025: $33.2M.
What was ECB Bancorp's net income in fiscal 2025?
ECB Bancorp reported net income of $7.8M for fiscal 2025.
What was ECB Bancorp's earnings per share (EPS) in fiscal 2025?
ECB Bancorp's diluted EPS was $0.94 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did ECB Bancorp generate in fiscal 2025?
ECB Bancorp generated $9.0M of free cash flow in fiscal 2025.
What was ECB Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), ECB Bancorp reported revenue of $10.3M.
How much debt does ECB Bancorp have?
ECB Bancorp reported $284.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of ECB Bancorp are outstanding?
ECB Bancorp reported a weighted average of 8.0 million basic shares outstanding in 2026 Q2.
What is ECB Bancorp's market cap?
Based on its latest closing price, ECB Bancorp (ECBK) has a market capitalization of about $170.7M.
When does ECB Bancorp's fiscal year end?
ECB Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is ECB Bancorp headquartered?
ECB Bancorp lists its business address in Everett, Massachusetts in its SEC filings.
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