Growth & profitability
- Revenue has grown 3.6% per year over the past 4 years.
- Net income has grown faster than revenue (17.8% vs 3.6% per year).
- Free cash flow has grown 9.2% per year over the past 4 years.
ECBK Financials ECB Bancorp, Inc. /MD/
5 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $598000 | $8M | 0.0% | 0.0% | 4.5% | 0.5% | $9M | — | — |
| 2024 | $577000 | $4M | 0.0% | 0.0% | 2.4% | 0.3% | $6M | — | — |
| 2023 | — | $4M | — | — | 2.7% | 0.3% | $6M | — | — |
| 2022 | — | $3M | — | — | 1.7% | 0.3% | $8M | — | — |
| 2021 | — | $4M | — | — | 5.2% | 0.6% | $6M | — | — |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $152000 | $3M | 0.0% | 0.0% | 1.8% | 0.2% | $12M | — | — |
| Mar '26 | $155000 | $3M | 0.0% | 0.0% | 1.8% | 0.2% | $3M | — | — |
| Dec '25 | — | $3M | — | — | 1.5% | 0.2% | $4M | — | — |
| Sep '25 | — | $2M | — | — | 1.4% | 0.2% | $4M | — | — |
| Jun '25 | $154000 | $1M | 0.0% | 0.0% | 0.9% | 0.1% | $2M | — | — |
| Mar '25 | $140000 | $1M | 0.0% | 0.0% | 0.8% | 0.1% | -$649000 | — | — |
| Dec '24 | — | $1M | — | — | 0.9% | 0.1% | $4M | — | — |
| Sep '24 | — | $1M | — | — | 0.7% | 0.1% | $861000 | — | — |
| Jun '24 | — | $791000 | — | — | 0.5% | 0.1% | $1M | — | — |
| Mar '24 | — | $621000 | — | — | 0.4% | 0.0% | -$449000 | — | — |
| Dec '23 | — | $789000 | — | — | 0.5% | 0.1% | $3M | — | — |
| Sep '23 | — | $1M | — | — | 0.8% | 0.1% | $278000 | — | — |
| Jun '23 | — | $1M | — | — | 0.9% | 0.1% | $2M | — | — |
| Mar '23 | — | $901000 | — | — | 0.6% | 0.1% | $1M | — | — |
| Dec '22 | — | $976000 | — | — | 0.6% | 0.1% | $3M | — | — |
| Sep '22 | — | -$1M | — | — | -0.6% | -0.1% | $3M | — | — |
| Jun '22 | — | $1M | — | — | 1.7% | 0.2% | $684000 | — | — |
| Mar '22 | — | $1M | — | — | 1.8% | 0.2% | $827000 | — | — |
| Dec '21 | — | -$5000 | — | — | -0.0% | -0.0% | $2M | — | — |
| Sep '21 | — | $1M | — | — | 1.7% | — | $865000 | — | — |
Valuation over time
How the market has priced ECBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has fallen from 44.9× (Mar '23) to 24.0× (Sep '26).
- The price-to-sales ratio has risen from 228.6× (Dec '24) to 312.2× (Sep '26).
P/E
P/S
Frequently asked questions
Is ECBK growing its revenue and profit?
Over the past 4 years, ECB Bancorp, Inc. /MD/'s revenue has grown 3.6% per year, and net income grown 17.8% per year. These are computed facts, not advice.
How much debt does ECBK have?
As of FY2025, ECB Bancorp, Inc. /MD/ reported — of total debt against — of cash.
What is ECBK's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 1299.7%.
What is ECBK's P/E ratio?
As of Sep '26, ECB Bancorp, Inc. /MD/ traded at a price-to-earnings ratio of about 24.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.