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Upturn AI Summary - About
ECB Bancorp Inc.(ECBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ECBK
09/25/2026: ECBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
ECB Bancorp Inc. is a small-cap bank holding company that operates Everett Co-operative Bank, serving customers in Massachusetts. The company has shown consistent revenue growth and recent profitability improvements, largely driven by its commercial and multifamily lending portfolios. Its primary growth opportunity lies in its potential to scale through strategic acquisitions or by enhancing its digital service offerings. However, risks include heavy geographic concentration, sensitivity to real estate market fluctuations, and intense competition from larger banks. The stock may suit growth-oriented investors looking for regional bank exposure, though the lack of a dividend and the company’s small-cap size necessitate careful consideration of risk and volatility.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company shows solid earnings growth but operates in a mature, slow-growth banking sector. |
| Momentum investor | Strong fit while signal remains positive | Positive earnings momentum in 2026 may attract short-term technical interest. |
| Value investor | Mixed fit | Trading multiples should be compared carefully against peers to ensure the valuation captures its current growth profile. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While bank stocks can be stable, the small-cap nature of ECBK introduces higher volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Small-cap banking stocks often experience greater price swings than larger institutions. |
| Valuation risk | Medium | Investors must ensure the stock price adequately reflects regional banking earnings cycles. |
| Competition risk | High | Intense competition from larger regional and national banks impacts margins and deposit costs. |
| Business quality | Medium | The business relies on traditional, conservative banking models, which provide stability but limited upside. |
| Dividend income | Low / none | Lack of a dividend limits the appeal for income-dependent investors. |
| Execution risk | Medium | The strategy to grow through commercial lending requires successful risk management in the real estate sector. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 43.42% | Avg. Invested days 84 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 180.87M USD | Price to earnings Ratio 15 | 1Y Target Price - |
Price to earnings Ratio 15 | 1Y Target Price - | ||
Volume (30-day avg) 9.8K shares | Beta 0.45 | 52 Weeks Range 14.83 - 21.78 | Updated Date 09/25/2026 |
52 Weeks Range 14.83 - 21.78 | Updated Date 09/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.38 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on real estate, commercial, and consumer loans minus interest paid on deposits. | The bank profits from the 'spread' between what it earns on loans and pays on savings accounts. |
| Investment Securities | Interest and dividends from U.S. government obligations and corporate bonds. | The bank keeps some assets in safe securities to earn steady secondary income. |
Valuation
Trailing PE 15 | Forward PE - | Enterprise Value 326.87M | Price to Sales(TTM) 4.74 |
Enterprise Value 326.87M | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 11.86 | Enterprise Value to EBITDA - | Shares Outstanding 8.74M | Shares Floating 7.97M |
Shares Outstanding 8.74M | Shares Floating 7.97M | ||
Percent Insiders 17.15 | Percent Institutions 30.51 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About ECB Bancorp Inc.
Exchange NASDAQ | Headquarters Everett, MA, United States | ||
IPO Launch date 2022-07-28 | CEO, President & Director Mr. Richard J. O'Neil Jr., Esq. | ||
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, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It 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. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.
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