Valuation dashboard for ECB Bancorp, Inc. (ECBK) with P/E 14.71, P/B 0.93, EV/EBITDA 29.55 and dividend yield 0.00%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options.
Analysis Summary
ECB Bancorp, Inc. reported revenue of $79.5M in the most recent fiscal year, growing at a 5-year CAGR of 28.4%. Net income reached $7.8M, with a 9.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 44.1%, operating margin 17.9%, net margin 13.2%.
At the current price of $20.74, ECBK trades at a P/E of 14.71 and an ROE of 6.55%. Market capitalisation stands at $182M.
Balance sheet quality for ECBK: current ratio of 0.1. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.71 |
| Price / Book | 0.93 |
| EV / EBITDA | 29.55 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $15.75 |
| vs Current Price | -24.0% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| ECBK | ECB Bancorp, Inc. | $182M | 14.71 | 0.93 | 6.6% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price
| Price | $20.74 |
| Market Cap | $182M |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 6.55% |
| Return on Invested Capital | -1.08% |
| Return on Assets | 0.68% |
| Gross Margin | 44.11% |
| Operating Margin | 17.88% |
| Net Margin | 13.19% |
Related companies: BFIN · CFBK · CZWI · FCAP · FNWD · HNVR · LARK
Explore sector: Financial Services · Banks - Regional
More sections of ECBK: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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