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Upturn AI SWOT - About
ECB Bancorp Inc. (ECBK)
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Upturn Advisory Summary
11/05/2025: ECBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 26.19% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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
Unfortunately, information regarding the history and background of 'ECB Bancorp Inc.' is unavailable. Further research is required to uncover specific details about its founding, key milestones, and historical evolution.
Core Business Areas
- Community Banking: Offers traditional banking services such as deposit accounts, loans, and other financial products to individuals and small businesses in the local community. Lacking Specific data.
- Commercial Lending: Provides lending solutions tailored for businesses, including commercial real estate loans, equipment financing, and working capital loans. Lacking Specific data.
- Wealth Management: Offers investment advisory and financial planning services to individuals and families, helping them manage their assets and achieve their financial goals. Lacking Specific data.
Leadership and Structure
Specific details on ECB Bancorp Inc.'s leadership team and organizational structure are unavailable at this time. More in-depth research is necessary to provide an accurate overview.
Top Products and Market Share
Key Offerings
- Checking Accounts: Offers a range of checking account options to meet diverse customer needs. Specific market share or usage data is unavailable. Competitors include larger national banks like JPMorgan Chase (JPM) and Bank of America (BAC), as well as regional banks.
- Mortgage Loans: Provides mortgage financing for home purchases and refinancing. Specific market share data is not publicly available. Competitors include major mortgage lenders like Rocket Mortgage and Wells Fargo (WFC).
- Small Business Loans: Offers loans to small businesses for various purposes, such as expansion, working capital, and equipment purchases. Market share data is limited. Competitors include online lenders and other community banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and rapid technological advancements. Competition is fierce, with both traditional banks and fintech companies vying for market share.
Positioning
Without precise company data, ECB Bancorp Inc.'s positioning within the industry is difficult to determine. The entity likely operates as a community or regional bank focusing on local markets. Competitive advantages depend on their customer service, local expertise, and community involvement.
Total Addressable Market (TAM)
The total addressable market for banking services in the United States is trillions of dollars, encompassing various segments such as consumer banking, commercial banking, and wealth management. ECB Bancorp Inc.'s position within this vast market is likely modest, focusing primarily on their local service area.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Community relationships
- Experienced banking staff
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Fewer technological resources
- Potential for higher operating costs
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic partnerships
- Increased demand for community banking
Threats
- Increasing competition from larger banks
- Rising interest rates
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- PNC
Competitive Landscape
Without specific details on ECB Bancorp Inc., it's challenging to evaluate its advantages and disadvantages compared to competitors. They likely compete with larger national banks, regional players, and community banks, depending on their geographic footprint and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not available.
Future Projections: Future projections are unavailable due to a lack of analyst coverage and historical data.
Recent Initiatives: Information on recent strategic initiatives is not available.
Summary
Given the limited available information, it's difficult to provide a thorough assessment of ECB Bancorp Inc. More details regarding their financials, market position, and strategic initiatives are necessary to determine the company's strength and growth potential. The company likely operates as a community or regional bank. To thrive, they will need to leverage their local presence and adapt to the evolving banking landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Public financial news sources
- Company press releases (where available)
- Industry reports
- General web searches
Disclaimers:
The information provided is based on limited data and general industry knowledge. This analysis should not be considered financial advice. Further research is recommended before making any investment decisions.
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.
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