Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
ECB Bancorp Inc. (ECBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/03/2025: ECBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 29.65% | Avg. Invested days 73 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 137.85M USD | Price to earnings Ratio 26.79 | 1Y Target Price - |
Price to earnings Ratio 26.79 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.53 | 52 Weeks Range 12.43 - 16.99 | Updated Date 06/29/2025 |
52 Weeks Range 12.43 - 16.99 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.57 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.35% | Operating Margin (TTM) 27.51% |
Management Effectiveness
Return on Assets (TTM) 0.34% | Return on Equity (TTM) 2.79% |
Valuation
Trailing PE 26.79 | Forward PE - | Enterprise Value 224400688 | Price to Sales(TTM) 5.12 |
Enterprise Value 224400688 | Price to Sales(TTM) 5.12 | ||
Enterprise Value to Revenue 13.81 | Enterprise Value to EBITDA - | Shares Outstanding 9027680 | Shares Floating 8204447 |
Shares Outstanding 9027680 | Shares Floating 8204447 | ||
Percent Insiders 16.07 | Percent Institutions 24.59 |
Upturn AI SWOT
ECB Bancorp Inc.
Company Overview
History and Background
ECB Bancorp, Inc. is the holding company for Elmira Savings Bank. Founded in 1869 as a savings bank in Elmira, New York, it has grown into a community-focused financial institution serving the Southern Tier of New York.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, CDs, and other deposit products to individuals and small businesses.
- Commercial Banking: Provides commercial loans, lines of credit, and other financial services to businesses.
- Mortgage Lending: Offers residential mortgage loans for home purchase and refinancing.
Leadership and Structure
The leadership team includes the President and CEO, CFO, and other senior executives. The organizational structure consists of various departments overseeing retail banking, commercial lending, mortgage lending, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: ECB Bancorp offers a variety of residential mortgage products, including fixed-rate and adjustable-rate mortgages. Market share data is not publicly available. Competitors include national banks, credit unions, and other regional banks.
- Commercial Loans: Provides loans to small and medium-sized businesses for working capital, equipment financing, and real estate acquisition. Market share data is not publicly available. Competitors include other regional banks and credit unions.
- Deposit Accounts: Offers a variety of checking, savings, and CD accounts. Market share data is not publicly available. Competitors include other regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and technological disruption.
Positioning
ECB Bancorp focuses on serving the communities in the Southern Tier of New York. Competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in the Southern Tier of New York is estimated to be in the hundreds of millions of dollars. ECB Bancorp aims to maintain and grow its market share in this region.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Long operating history
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Dependence on the local economy
- Potential for interest rate risk
Opportunities
- Expanding digital banking services
- Acquiring smaller banks or branches
- Increasing commercial lending activity
- Growing wealth management offerings
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in the region
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- Chemung Canal Trust Company (CHMG)
- Community Bank System, Inc. (CBU)
- Five Star Bank (FSBC)
Competitive Landscape
ECB Bancorp competes with larger regional banks and credit unions. Its advantages include local expertise and strong customer relationships, while its disadvantages include limited geographic reach and scale.
Growth Trajectory and Initiatives
Historical Growth: ECB Bancorp's growth has been steady over the years, driven by organic growth and strategic initiatives.
Future Projections: Future growth is projected to be moderate, with a focus on increasing market share in existing markets and expanding digital banking services.
Recent Initiatives: Recent initiatives include enhancing online banking platforms and expanding commercial lending activities.
Summary
ECB Bancorp is a stable community bank with a long history. Its strengths include strong customer relationships and local market expertise. Potential challenges include increased competition and economic downturns in the region. Growth initiatives in digital banking can improve long term potential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Financial data is based on past performance and is not indicative of future results. No guarantee of accuracy or completeness is implied.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ECB Bancorp Inc.
Exchange NASDAQ | Headquaters Everett, MA, United States | ||
IPO Launch date 2022-07-28 | CEO, President & Director Mr. Richard J. O'Neil Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 64 | Website https://www.everettbank.com |
Full time employees 64 | Website https://www.everettbank.com | ||
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, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also 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. The company was founded in 1890 and is based in Everett, Massachusetts.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.