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ECBK
Upturn stock ratingUpturn stock rating

ECB Bancorp Inc. (ECBK)

Upturn stock ratingUpturn stock rating
$16.9
Last Close (24-hour delay)
Profit since last BUY4.9%
upturn advisory
Consider higher Upturn Star rating
BUY since 32 days
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Upturn Advisory Summary

08/28/2025: ECBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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 36.01%
Avg. Invested days 64
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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

ai summary icon Upturn AI SWOT

ECB Bancorp Inc.

stock logo

Company Overview

overview logo History and Background

ECB Bancorp, Inc. is the holding company for East Carolina Bank. East Carolina Bank was founded in 1964 and is headquartered in Engelhard, North Carolina. It operates primarily in eastern North Carolina, offering a range of banking services.

business area logo Core Business Areas

  • Community Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and other financial products.
  • Commercial Lending: Provides commercial loans, including real estate loans and agricultural production loans.

leadership logo Leadership and Structure

The leadership team includes the CEO, CFO, and other executive officers. The organizational structure consists of various departments responsible for different banking functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans include real estate, agriculture, and lines of credit for businesses. Market share data is difficult to ascertain specifically for ECB due to the localized nature of its operations, but competitors include regional and national banks like Truist (TFC) and Bank of America (BAC) and other regional lenders.
  • Residential Mortgages: Residential mortgages for home purchases and refinancing. Market share data is difficult to ascertain specifically for ECB due to the localized nature of its operations, but competitors include regional and national banks like Truist (TFC) and Bank of America (BAC) and other regional lenders.
  • Deposit Accounts: Checking, savings, and money market accounts. Market share data is difficult to ascertain specifically for ECB due to the localized nature of its operations, but competitors include regional and national banks like Truist (TFC) and Bank of America (BAC) and other regional lenders.

Market Dynamics

industry overview logo Industry Overview

The banking industry is heavily regulated and influenced by interest rates, economic conditions, and technological advancements. Community banks face competition from larger institutions and fintech companies.

Positioning

ECB Bancorp Inc. operates as a community bank, focusing on providing personalized service and building relationships with local customers. Its competitive advantage lies in its local market expertise and community involvement.

Total Addressable Market (TAM)

The total addressable market for community banking includes all potential customers seeking financial services in the bank's geographic area. It is difficult to quantify precisely, but ECB is positioned to capture a portion of that market through its local presence and customer relationships.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Established customer relationships
  • Community involvement
  • Personalized service

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Dependence on local economy
  • Limited technological resources

Opportunities

  • Expansion into new markets
  • Investment in technology
  • Partnerships with fintech companies
  • Increased demand for local banking services

Threats

  • Competition from larger banks
  • Economic downturns
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • TFC
  • BAC

Competitive Landscape

ECB Bancorp competes with larger national and regional banks, as well as other community banks. Its competitive advantage lies in its local market knowledge and customer service. Its disadvantages include limited scale and resources.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends would show the company's past revenue and profit growth rates.

Future Projections: Future projections are based on analyst estimates and depend on market conditions and company strategy. Due to limitations, specific projections cannot be provided.

Recent Initiatives: Recent strategic initiatives could include new product launches, market expansions, or technology upgrades.

Summary

ECB Bancorp Inc. is a small community bank with strong roots in eastern North Carolina. Its strengths lie in its local market expertise and customer relationships. However, its smaller scale and limited resources pose challenges in competing with larger banks. It needs to focus on its niche to grow.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Industry Reports
  • Market Research

Disclaimers:

The data provided is based on publicly available information and estimates. It is not financial advice and should not be used as the sole basis for investment decisions. Market share percentages are rough estimates and should be treated as such.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 64

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.