ECBK

Company Overview — What Does ECB Bancorp, Inc. /MD/ Do?

ECB Bancorp is a newly formed Maryland corporation that will own all of the outstanding shares of common stock of Everett Co-operative Bank upon completion of the conversion and the offering. ECB Bancorp has not engaged in any business to date. Everett Co-operative Bank is a Massachusetts-chartered mutual cooperative bank headquartered in Everett, Massachusetts. Everett Co-operative Bank was organized in 1890 and has operated continuously in Everett, Massachusetts since this time. We conduct business from our two full-service banking offices located in Everett, Massachusetts and Lynnfield, Massachusetts which are located in the greater Boston metropolitan area in Middlesex and Essex Counties, respectively. Everett is adjacent to Boston and is approximately three miles from Boston’s downtown financial district, and Lynnfield is located approximately 10 miles to the north in Essex County. We consider our deposit market area to be Middlesex, Essex and Suffolk Counties, Massachusetts and our primary lending area to be these Counties as well as Norfolk County, Massachusetts, which are located primarily within the Route 128 corridor outside of Boston. Our business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate and multifamily real estate loans, construction and land loans and home equity lines of credit. At December 31, 2021, $259.7 million, or 49.8%, of our total loan portfolio was comprised of one- to four-family residential real estate loans, $100.0 million, or 19.2%, of our total loan portfolio was comprised of commercial real estate loans, $70.7 million, or 13.5%, of our total loan portfolio was comprised of construction loans, $59.5 million, or 11.4%, of our total loan portfolio was comprised of multifamily real estate loans and $26.1 million, or 5.0%, of our total loan portfolio was comprised of home equity lines of credit. We also invest in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities and corporate bonds. We offer a variety of deposit accounts, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts and interest-bearing and noninterest-bearing checking accounts. We historically have utilized advances from the Federal Home Loan Bank of Boston (the “FHLB”) to fund our operations and we had $9.0 million of FHLB advances outstanding at December 31, 2021. Additionally, in recent years, we have also accepted brokered deposits as a non-retail funding source to fund our operations. For the years ended December 31, 2021 and 2020, we had net income of $4.0 million and $4.9 million, respectively. Our 2021 net income was affected by an after-tax charge of $1.4 million related to our freezing of and withdrawal from a defined benefit plan. Our current business strategy includes continuing to focus on growing our commercial real estate and multifamily lending portfolios as well as our one- to four-family residential real estate loan portfolio. By growing our commercial real estate and multifamily loans, we also will continue to focus on growing commercial deposit relationships to grow our core source of funds. Additionally, we intend to continue to focus on expanding our online banking products and services to ensure that our customers continue to enjoy the local bank experience with optimal convenience and efficiencies necessary to compete with larger financial institutions. Everett Co-operative Bank is subject to comprehensive regulation and examination by the Massachusetts Commissioner of Banks (the “Commissioner”), as its chartering agency, and the Federal Deposit Insurance Corporation (“FDIC”) as its primary federal regulator and primary insurer of its deposits. Our executive offices are located at 419 Broadway, Everett, Massachusetts. ECB Bancorp, Inc. /MD/ (ECBK) is classified as a micro-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Richard J. O'Neil and employs approximately 50 people. With a market capitalization of $148M, ECBK is one of the notable companies in the Financials sector.

ECB Bancorp, Inc. /MD/ (ECBK) Stock Rating — Hold (April 2026)

As of April 2026, ECB Bancorp, Inc. /MD/ receives a Hold rating with a composite score of 46.6/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.ECBK ranks #1,542 out of 4,446 stocks in our coverage universe. Within the Financials sector, ECB Bancorp, Inc. /MD/ ranks #465 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

ECBK Stock Price and 52-Week Range

ECB Bancorp, Inc. /MD/ (ECBK) currently trades at $18.67. The stock gained $0.22 (1.2%) in the most recent trading session. The 52-week high for ECBK is $20.05, which means the stock is currently trading -6.9% from its annual peak. The 52-week low is $14.55, putting the stock 28.3% above its annual trough. Recent trading volume was 14K shares, suggesting relatively thin trading activity.

Is ECBK Overvalued or Undervalued? — Valuation Analysis

ECB Bancorp, Inc. /MD/ (ECBK) carries a value factor score of 65/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 23.71x, compared to the Financials sector average of 14.88x — a premium of 59%. The price-to-book ratio stands at 0.87x, versus the sector average of 1.22x. The price-to-sales ratio is 2.01x, compared to 0.90x for the average Financials stock. On an enterprise value basis, ECBK trades at 17.74x EV/EBITDA, versus 3.26x for the sector.

Overall, ECBK's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

ECB Bancorp, Inc. /MD/ Profitability — ROE, Margins, and Quality Score

ECB Bancorp, Inc. /MD/ (ECBK) earns a quality factor score of 44/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 3.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.4% versus the sector average of 1.2%.

On a margin basis, ECB Bancorp, Inc. /MD/ reports gross margins of 0.0%. The operating margin is 11.2% (sector: 21.8%). Net profit margin stands at 8.4%, versus 17.7% for the average Financials stock. Revenue growth is running at 24.6% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

ECBK Debt, Balance Sheet, and Financial Health

ECB Bancorp, Inc. /MD/ has a debt-to-equity ratio of 834.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $260M. Cash and equivalents stand at $3M.

ECBK has a beta of 0.32, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for ECB Bancorp, Inc. /MD/ is 87/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

ECB Bancorp, Inc. /MD/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, ECB Bancorp, Inc. /MD/ reported revenue of $74M and earnings per share (EPS) of $0.96. Net income for the quarter was $6M. Gross margin was 0.0%. Operating income came in at $8M.

In FY 2025, ECB Bancorp, Inc. /MD/ reported revenue of $598,000 and earnings per share (EPS) of $0.96. Net income for the quarter was $8M. Revenue grew -99.1% year-over-year compared to FY 2024. Operating income came in at $10M.

In Q3 2025, ECB Bancorp, Inc. /MD/ reported revenue of $20M and earnings per share (EPS) of $0.30. Net income for the quarter was $2M. Revenue grew 19.0% year-over-year compared to Q3 2024. Operating income came in at $3M.

In Q2 2025, ECB Bancorp, Inc. /MD/ reported revenue of $19M and earnings per share (EPS) of $0.18. Net income for the quarter was $1M. Revenue grew 16.6% year-over-year compared to Q2 2024. Operating income came in at $2M.

Over the past 8 quarters, ECB Bancorp, Inc. /MD/ has demonstrated a growth trajectory, with revenue expanding from $16M to $74M. Investors analyzing ECBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

ECBK Dividend Yield and Income Analysis

ECB Bancorp, Inc. /MD/ (ECBK) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

ECBK Momentum and Technical Analysis Profile

ECB Bancorp, Inc. /MD/ (ECBK) has a momentum factor score of 49/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 1/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

ECBK vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, ECB Bancorp, Inc. /MD/ (ECBK) ranks #465 out of 891 stocks based on the Blank Capital composite score. This places ECBK in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing ECBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ECBK vs S&P 500 (SPY) comparison to assess how ECB Bancorp, Inc. /MD/ stacks up against the broader market across all factor dimensions.

ECBK Next Earnings Date

No upcoming earnings date has been announced for ECB Bancorp, Inc. /MD/ (ECBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy ECBK? — Investment Thesis Summary

ECB Bancorp, Inc. /MD/ presents a balanced picture with arguments on both sides. The value score of 65/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 87/100) reduces downside risk.

In summary, ECB Bancorp, Inc. /MD/ (ECBK) earns a Hold rating with a composite score of 46.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ECBK stock.

Related Resources for ECBK Investors

Explore more research and tools: ECBK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ECBK head-to-head with peers: ECBK vs WTM, ECBK vs OPY, ECBK vs ACT.