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Stocks · Financials · Savings Institutions, Not Federally Chartered

ECB Bancorp, Inc. /MD/

ECBK Clue Score73
United States Fiscal year ends December CIK 0001914605
$21.12 +1.44% Close, 9 Oct 2026
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Price $21.12 +99.24% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 28 Jul 2022. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2021Net income4.0Fiscal year 2022Net income2.7 −32.7%EPS, diluted0.32Fiscal year 2023Net income4.5 +63.8%EPS, diluted0.52 +62.5%Fiscal year 2024Revenue0.6Net income4.0 −10.4%EPS, diluted0.48 −7.7%Fiscal year 2025Revenue0.6 +3.6%Net income7.8 +94.7%EPS, diluted0.94 +95.8%
FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a 0.6 0.6
Growth +3.6%
Net income 4.0 2.7 4.5 4.0 7.8
Growth −32.7% +63.8% −10.4% +94.7%
EPS, diluted n/a 0.32 0.52 0.48 0.94
Growth +62.5% −7.7% +95.8%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Net margin691.7%Free cash flow margin1,069.0%Fiscal year 2025Net margin1,299.7%Free cash flow margin1,506.0%
FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a 691.7% 1,299.7%
Free cash flow margin n/a n/a n/a 1,069.0% 1,506.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2021Operating cash flow6.4Capital expenditure−0.1Free cash flow6.3Fiscal year 2022Operating cash flow7.8Capital expenditure−0.2Free cash flow7.6 +19.1%Fiscal year 2023Operating cash flow6.4Capital expenditure−0.3Free cash flow6.1 −19.3%Buybacks−2.2Fiscal year 2024Operating cash flow6.2Capital expenditure−0.1Free cash flow6.2 +1.1%Buybacks−2.7Fiscal year 2025Operating cash flow9.2Capital expenditure−0.2Free cash flow9.0 +46.0%Buybacks−4.6
FY2021FY2022FY2023FY2024FY2025
Operating cash flow 6.4 7.8 6.4 6.2 9.2
Capital expenditure −0.1 −0.2 −0.3 −0.1 −0.2
Free cash flow 6.3 7.6 6.1 6.2 9.0
Growth +19.1% −19.3% +1.1% +46.0%
Buybacks n/a n/a −2.2 −2.7 −4.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
FY2021FY2022FY2023FY2024FY2025
Shareholders’ equity 77.3 162.7 164.9 168.3 171.9

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a 930.8% 1,735.6%
n/a n/a n/a 691.7% 1,299.7%
n/a n/a n/a 1,069.0% 1,506.0%
Spending
n/a n/a n/a 10.4% 35.8%
26.1% 22.2% 25.5% 25.7% 25.1%
Returns
5.2% 1.7% 2.7% 2.4% 4.5%
0.6% 0.3% 0.3% 0.3% 0.5%
Balance and payout
88.4% 84.7% 87.1% 88.1% 89.3%
n/a n/a 36.5% 44.1% 51.2%