Ecb Bancorp, Inc. /Md/ - Understand $ecbk stock

$ECBK Market Cap: $130.4 Million

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Financial Snapshot

Revenue

$49.24M

TTM

Gross Margin

Net Earnings

$3.334M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.358B

Q3 2024

Total Liabilities

$1.192B

Q3 2024

Book Value

$166.0M

Q3 2024

Cash

$119.6M

Q3 2024

P/E

39.11

Nov 29, 2024 EST

Free Cash Flow

$4.290M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$54.78M	$29.15M	$22.38M
YoY Change	87.92%	30.27%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021
Revenue	$54.78M	$29.15M	$22.38M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$279.0K	$302.0K	$300.0K	$350.0K	$1.435M	$1.365M	$1.350M	$1.340M	$1.470M	$1.210M	$1.270M	$990.0K	$1.040M	$830.0K	$830.0K	$730.0K	$660.0K	$670.0K	$550.0K	$450.0K
YoY Change	-7.62%	0.67%	-14.29%		5.13%	1.11%	0.75%	-8.84%	21.49%	-4.72%	28.28%	-4.81%	25.3%	0.0%	13.7%	10.61%	-1.49%	21.82%	22.22%	18.42%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021
Interest Expense	$29.99M	$5.515M	$3.681M
YoY Change	443.72%	49.82%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$5.985M	$3.496M	$5.471M	$6.533M	$4.391M	-$2.568M	$94.00K	$1.150M	$4.000M	$6.490M	$7.990M	$6.960M	$5.310M	$5.610M	$4.890M	$3.490M	$3.300M	$2.840M	$2.610M	$2.320M	$1.810M
YoY Change	71.2%	-36.1%	-16.26%		-270.99%	-2831.91%	-91.83%	-71.25%	-38.37%	-18.77%	14.8%	31.07%	-5.35%	14.72%	40.11%	5.76%	16.2%	8.81%	12.5%	28.18%	14.56%
Income Tax	$1.529M	$776.0K	$1.429M	$1.673M	$1.399M	-$1.544M	-$766.0K	-$360.0K	$580.0K	$1.680M	$2.410M	$2.100M	$2.030M	$1.700M	$1.400M	$930.0K	$940.0K	$700.0K	$650.0K	$650.0K	$480.0K
% Of Pretax Income	25.55%	22.2%	26.12%	25.61%	31.86%		-814.89%	-31.3%	14.5%	25.89%	30.16%	30.17%	38.23%	30.3%	28.63%	26.65%	28.48%	24.65%	24.9%	28.02%	26.52%
Net Earnings	$4.456M	$2.720M	$4.042M	$4.860M	$2.992M	-$1.024M	$860.0K	$500.0K	$3.420M	$4.810M	$5.580M	$4.850M	$3.280M	$3.910M	$3.490M	$2.570M	$2.370M	$2.140M	$1.960M	$1.670M	$1.330M
YoY Change	63.82%	-32.71%	-16.83%		-392.19%	-219.07%	72.0%	-85.38%	-28.9%	-13.8%	15.05%	47.87%	-16.11%	12.03%	35.8%	8.44%	10.75%	9.18%	17.37%	25.56%	46.15%
Net Earnings / Revenue	8.13%	9.33%	18.06%
Basic Earnings Per Share	$0.53	$0.32
Diluted Earnings Per Share	$0.52	$0.32	$453.4K	$545.1K	$1.048M	-$359.3K	$301.8K	$0.17	$1.18	$1.65	$2.05	$2.37	$1.60	$1.91	$1.69	$1.24	$1.13	$1.01	$1.08	$0.94	$0.75

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$3.754M	$3.698M	$3.784M	$3.980M	$25.57M	$26.29M	$26.64M	$25.30M	$25.70M	$24.50M	$23.00M	$18.90M	$16.90M	$11.90M	$8.600M	$8.200M	$7.900M	$6.700M	$7.000M	$6.300M	$5.500M
YoY Change	1.51%	-2.27%	-4.92%		-2.74%	-1.3%	5.28%	-1.56%	4.9%	6.52%	21.69%	11.83%	42.02%	38.37%	4.88%	3.8%	17.91%	-4.29%	11.11%	14.55%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$4.767M	$4.344M	$2.971M	$1.931M
YoY Change	9.74%	46.21%	53.86%
Total Long-Term Assets
YoY Change
Total Assets	$1.280B	$1.064B	$666.5M	$587.6M	$899.6M	$921.3M	$919.9M	$888.7M	$841.9M	$643.9M	$624.1M	$547.7M	$501.9M	$435.0M	$386.3M	$311.5M	$268.4M	$233.1M	$210.9M	$188.2M	$167.2M
YoY Change
Accounts Payable					$408.0K	$519.0K	$631.0K	$1.100M	$56.30M	$2.500M	$2.400M	$1.500M	$1.000M	$700.0K	$700.0K	$1.000M	$1.200M	$800.0K	$800.0K	$700.0K	$600.0K
YoY Change					-21.39%	-17.75%	-42.64%	-98.05%	2152.0%	4.17%	60.0%	50.0%	42.86%	0.0%	-30.0%	-16.67%	50.0%	0.0%	14.29%	16.67%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt					$42.94M			$0.00	$19.30M	$8.400M	$24.50M	$8.500M	$18.40M	$13.50M	$14.40M	$5.100M	$2.700M	$2.700M	$2.700M	$0.00
YoY Change								-100.0%	129.76%	-65.71%	188.24%	-53.8%	36.3%	-6.25%	182.35%	88.89%	0.0%	0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities					$408.0K	$519.0K	$631.0K	$1.100M	$75.60M	$10.90M	$26.90M	$10.00M	$19.40M	$14.20M	$15.10M	$6.100M	$3.900M	$3.500M	$3.500M	$700.0K	$600.0K
YoY Change					-21.39%	-17.75%	-42.64%	-98.54%	593.58%	-59.48%	169.0%	-48.45%	36.62%	-5.96%	147.54%	56.41%	11.43%	0.0%	400.0%	16.67%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00		$0.00	$0.00	$0.00	$0.00	$0.00	$10.30M	$10.30M	$10.30M	$10.30M	$10.00M	$10.00M	$3.000M	$3.000M	$0.00	$0.00	$0.00
YoY Change										-100.0%	0.0%	0.0%	0.0%	3.0%	0.0%	233.33%	0.0%
Other Long-Term Liabilities	$13.22M	$9.583M	$8.485M	$5.193M	$5.142M	$5.491M	$6.394M	$4.600M	$4.700M	$5.000M	$5.300M	$4.500M	$3.400M	$3.100M	$2.500M	$1.400M	$1.400M	$1.200M	$1.200M	$900.0K	$1.000M
YoY Change	37.95%	12.94%	63.39%		-6.36%	-14.12%	39.0%	-2.13%	-6.0%	-5.66%	17.78%	32.35%	9.68%	24.0%	78.57%	0.0%	16.67%	0.0%	33.33%	-10.0%
Total Long-Term Liabilities	$13.22M	$9.583M	$8.485M	$5.193M	$5.142M	$5.491M	$6.394M	$4.600M	$4.700M	$5.000M	$15.60M	$14.80M	$13.70M	$13.40M	$12.50M	$11.40M	$4.400M	$4.200M	$1.200M	$900.0K	$1.000M
YoY Change	37.95%	12.94%	63.39%		-6.36%	-14.12%	39.0%	-2.13%	-6.0%	-67.95%	5.41%	8.03%	2.24%	7.2%	9.65%	159.09%	4.76%	250.0%	33.33%	-10.0%
Total Liabilities	$1.115B	$901.7M	$589.2M	$514.6M	$816.2M	$840.8M	$839.0M	$804.3M	$773.9M	$577.0M	$561.3M	$513.1M	$469.8M	$404.3M	$356.7M	$286.0M	$244.4M	$211.1M	$189.1M	$172.5M	$153.0M
YoY Change	23.7%	53.04%	14.5%		-2.93%	0.22%	4.31%	3.93%	34.12%	2.8%	9.39%	9.22%	16.2%	13.34%	24.72%	17.02%	15.77%	11.63%	9.62%	12.75%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021
Basic Shares Outstanding	8.466M	8.456M	0.000
Diluted Shares Outstanding	8.524M	8.456M	0.000
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $130.38 Million

About ECB Bancorp, Inc. /MD/

ECB Bancorp, Inc. is a bank holding company. The company is headquartered in Everett, Massachusetts and currently employs 68 full-time employees. The company went IPO on 2022-07-28. The Bank's business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to-four family residential real estate loans, commercial real estate and multifamily real estate loans, construction and land loans and home equity lines of credit and loans. The company also invests in securities, consisting primarily of United States government and federal agency obligations, mortgage-backed securities and corporate bonds. The company offers a variety of deposit accounts, including certificates of deposit accounts, IRAs, money market accounts, savings accounts and both interest-bearing and noninterest-bearing checking accounts. The company considers its deposit market area to be Middlesex, Essex and Suffolk Counties, Massachusetts and, its primary lending area to be these counties, as well as Norfolk County, Massachusetts.

Industry: Savings Institutions, Not Federally Chartered Peers: CF BANKSHARES INC. HMN FINANCIAL INC Oconee Federal Financial Corp. Randolph Bancorp, Inc. Rhinebeck Bancorp, Inc. PROVIDENT FINANCIAL HOLDINGS INC Rocket Companies, Inc. SECURITY NATIONAL FINANCIAL CORP