ECBK
ECB Bancorp, Inc.Financial Services·Banks - Regional
$18.26
$160M market cap
Revenue
$43.3M
Free Cash Flow
$6.7M
Rev Growth
+0.0%
FCF Margin
15.4%
P/FCF
24.0x
EV/FCF
62.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
ECB Bancorp, Inc. focuses on 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, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and lan
2-Year Price History
$18.33+48.2%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 21.9 | 4.3 | 4.3 | 3.1 | 2.8 | 2.8 | -0.0 | 3.0 | 260.8 | 8.3 | 3.9% | 0.4x | -- |
| Act | 2025-Q4 | 21.4 | 3.6 | 3.5 | 2.6 | 3.9 | 3.9 | -0.1 | 103.8 | 284.8 | 8.3 | 3.0% | 0.3x | -- |
Valuation & Metrics
Market Stats
Price$18.26
Market Cap$160M
Enterprise Value$418M
P/S Ratio3.7x
P/FCF24.0x
EV/FCF62.7x
FCF Margin (TTM)15.4%
FCF Yield4.2%
Dividend Yield (TTM)--
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$43.3M
Net Income$5.7M
Free Cash Flow$6.7M
Revenue Growth (YoY)+0.0%
EBITDA Margin18.0%
Net Margin13.2%
FCF Margin15.4%
CapEx % of Revenue0.2%
SBC % of Revenue1.1%
ROIC3.5%
WC Change % Rev-0.3%
Interest Coverage0.3x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.2M
Days to Cover20.7
Change (vs Prior)-1.3%
Need at least 2 settlement dates for chart
Employees
Headcount64
Revenue / Employee$677,203
Gross Profit / Employee$301,234
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
15.8%(+2.4% YoY)
50 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
12.2%(+5.3% YoY)
8 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.4% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $13.7M | $13.75 | −$184K | −$1.5M | -0.3% | $307.70B |
| BlackRock, Inc.Passive | $6.6M | $15.16 | −$87K | +$4.2M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $6.4M | $16.73 | +$6.4M | +$6.4M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $2.6M | $14.84 | −$276K | +$1.2M | +2.3% | $1.61T |
| Sachetta, LLC | $2.0M | $12.82 | +$0 | +$60K | -0.7% | $184M |
| RENAISSANCE TECHNOLOGIES LLC | $1.5M | $13.94 | −$76K | +$582K | +1.2% | $63.91B |
| STATE STREET CORPPassive | $1.3M | $15.58 | +$72K | +$1.0M | -0.2% | $2.89T |
| NORTHERN TRUST CORPPassive | $1.1M | $14.77 | +$19K | +$567K | -0.2% | $755.34B |
| Oppenheimer & Close, LLC | $1.0M | $14.46 | +$0 | +$0 | +1.1% | $159M |
| MALTESE CAPITAL MANAGEMENT LLC | $923K | $14.58 | +$162K | +$162K | -0.6% | $508M |
| Covalent Partners LLC | $837K | $17.17 | +$284K | +$837K | -1.1% | $11.3M |
| Minerva Advisors LLC | $835K | $13.04 | +$0 | +$0 | -1.8% | $155M |
| VANGUARD FIDUCIARY TRUST COPassive | $811K | $16.73 | +$811K | +$811K | — | $395.83B |
| MORGAN STANLEY | $734K | $15.58 | −$41K | +$679K | -0.3% | $1.65T |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $724K | $16.73 | +$724K | +$724K | — | $1.91T |
| HighTower Advisors, LLC | $719K | $13.80 | +$0 | +$134K | -0.2% | $93.93B |
| GOLDMAN SACHS GROUP INC | $520K | $16.66 | +$173K | +$520K | -0.2% | $760.93B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $339K | $15.44 | −$59K | +$339K | +0.7% | $645.81B |
| GRIMES & COMPANY, INC. | $335K | $11.33 | +$0 | +$0 | -0.3% | $3.61B |
| Stilwell Value LLC | $335K | $14.39 | +$0 | +$0 | -0.3% | $96.1M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.24%
avg per quarter
Holders (ex-self)
-0.23%
excl. this stock
Buyers (this Q)
-0.69%
21 buyers · $0.01B in
Sellers (this Q)
+0.01%
22 sellers · $0.00B out
alpha coverage: 82% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-11.7%
how holders react when this stock falls
On quiet Qs
+0.8%
−10% to +10% baseline
On rallies (+10%+)
+32.5%
how they react when this stock rises
Holders' portfolio flow this Q
+1.9%
inflows — adds are organic
Sellers' portfolio flow this Q
+2.8%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-6.4%
Holder mid (any stock)
-4.0%
Holder rally (any stock)
-4.0%
Biggest decreases this quarter
GEODE CAPITAL MANAGEMENT, LLC−$276Kα+2.3ALLIANCEBERNSTEIN L.P.−$184Kα-0.3BANK OF AMERICA CORP /DE/exited−$118KBlackRock, Inc.−$87Kα-0.2RENAISSANCE TECHNOLOGIES LLC−$76Kα+1.2CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$59Kα+0.7MORGAN STANLEY−$41Kα-0.3Bank of New York Mellon Corp−$24Kα-0.2RAFFLES ASSOCIATES LP−$14Kα-1.2AMALGAMATED BANKexited−$4K
New buyers this quarter
Top-5 holders · 69.6%
ALLIANCEBERNSTEIN L.P.--
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
GEODE CAPITAL MANAGEMENT, LLC--
Sachetta, LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
ALLIANCEBERNSTEIN L.P.787KRhino Investment Partners, Inc—Sachetta, LLC119KMALTESE CAPITAL MANAGEMENT LLC55KRENAISSANCE TECHNOLOGIES LLC88KCastalian Partners, LLC—Oppenheimer & Close, LLC61KMinerva Advisors LLC50KCovalent Partners LLC50KMORGAN STANLEY44K
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$120K
5 txns · 3 insiders · 6,990 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-04-30 | BUY | Lavertu Brandon | officer: CFO | 40 | $17.89 | $716 | $580K |
| 2026-02-09 | BUY | Sullivan Maura Ellen | director | 2,200 | $18.50 | $41K | $105K |
| 2025-12-09 | BUY | Sullivan Maura Ellen | director | 563 | $16.98 | $10K | $59K |
| 2025-12-08 | BUY | Sullivan Maura Ellen | director | 2,937 | $16.83 | $49K | $49K |
| 2025-09-16 | BUY | O'Neil Richard J Jr | director, officer: President and CEO | 1,250 | $15.85 | $20K | $434K |
Order Flow (FINRA, ~3w lag)
37.8%retail-0.3pp
6.3%dark-1.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
ECB Bancorp, Inc.: Administrative shell filing lacks substantive financial disclosures for forensic evaluation.
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10