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Upturn AI SWOT - About
ECB Bancorp Inc. (ECBK)
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Upturn Advisory Summary
09/17/2025: 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 29.16% | Avg. Invested days 67 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
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. operates as the holding company for East Carolina Bank, which provides various banking products and services in North Carolina. Founded in 1999, it has grown through organic expansion and strategic acquisitions to serve a diverse customer base.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and other financial services to businesses, including small businesses and larger corporations. Deposits generated are from these commercial relationships.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgage loans, and consumer loans to individuals. Online banking is provided.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a regional bank, with departments for lending, operations, and finance. Board of Directors oversee the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate acquisition. Hard to accurately quantify specific market share for ECB for commercial loans. Competitors include Truist, Wells Fargo and First Citizens.
- Mortgage Loans: Residential mortgage loans for home purchase and refinancing. Market share is relatively small as they are a regional bank. Competitors include national lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. They rely on competitive rates. Competitors include all banks and credit unions offering deposit accounts.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Digital transformation is also reshaping the industry.
Positioning
ECB Bancorp Inc. is positioned as a community bank focusing on personalized service and local relationships, which offers them some competitive advantages against larger national banks.
Total Addressable Market (TAM)
The total addressable market for banking services in North Carolina is estimated to be in the billions of dollars. ECB Bancorp Inc. captures a small percentage of this TAM, primarily within its service area.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Personalized customer service
- Experienced management team
- Healthy capital ratios
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Dependence on local economy
- Limited product diversification
Opportunities
- Expansion into new markets within North Carolina
- Increased adoption of digital banking services
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- WFC
- FCZ
Competitive Landscape
ECB Bancorp Inc. faces stiff competition from larger national and regional banks like Truist, Wells Fargo, and First Citizens. ECB Bancorp can provide more personalized service but lacks the product offerings of large competitors.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable at time of query. Inserted placeholder values.
Future Projections: Data unavailable at time of query. Inserted placeholder values.
Recent Initiatives: Data unavailable at time of query. Inserted placeholder values.
Summary
ECB Bancorp Inc. is a smaller bank operating in a competitive landscape. Their strength lies in their local focus and customer service, which may help retain customers. However, they need to innovate with digital services and manage the pressures of competition to remain successful in the long term. Economic downturns could pose significant challenges to their performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (Unavailable and using estimates)
Disclaimers:
The data provided is based on publicly available information and analyst estimates, which are subject to change. Market share data are estimates and may not be precise. This analysis is for informational purposes only and does not constitute financial advice. Actual financial performance may differ from projected results. Data provided are placeholder values where current data is unavailable. Please do further research with updated information.
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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