ECB BANCORP INC (ECBK)
Financials · regional banks · NASDAQ
A bank holding company for Everett Co-operative Bank, offering residential and commercial banking services to its community.
What ECB BANCORP INC does
ECB Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Everett Co-operative Bank. The company provides a range of community banking services, including deposit products and loan originations for residential and commercial real estate. It operates as a Maryland corporation and was formed to facilitate the mutual-to-stock conversion of the bank.
Themes: community banking, real estate lending
Fundamentals
- Price$20.62 as of 2026-08-21 close
- Market cap$180M as of 2026-08-21
- 1-year return+24.4% 2025-08-21 close $16.57 → 2026-08-21 close $20.62
- P/E18.98 as of 2026-08-24
- ROE+5.6% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Beta0.46 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
How ECBK compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How ECB BANCORP INC looks technically
ECB BANCORP INC (ECBK) is trading 13.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 651 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 11, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day high about 7 trading days ago. It is 1.6% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 13.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +13.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $20.18 | $20.18 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $18.18 | $18.18 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 20.95. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 651 trading days ago — a "golden cross", a bullish long-term signal | 651 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 11, below the 25 that marks a real trend) | 11.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 55, neither overbought (above 70) nor oversold (below 30) | 54.5 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($20.03 to $20.95) — its "stochastic" reading is 64 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 64.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $20.95 | $20.95 |
|---|---|---|
| From the 52-week high | it is 1.6% below its 52-week high (its highest price of the past year) | -1.6% |
| Above the 52-week low | it is 39.0% above its 52-week low (its lowest price of the past year) | +39.0% |
| Below the 52-week high | it is 1.6% below its highest point of the past year | 1.6% |
| Since a 20-day breakout | it made a new 20-day high about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day high about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $20.95 (set on 2026-08-13) | $20.95 |
| Given back of the 52-week move | over the past year its closes ranged ($14.83 to $20.85), and it has given back only a small part of its rise from last year’s low — 4% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $16.94 to $17.13. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 3.8% |
| From the all-time high | it is 1.6% below its all-time high | -1.6% |
| Nearest price level | it is trading 0.8% below a resistance level at $20.79 — a price it turned at three times since 2026-07-17, most recently on 2026-08-13. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.8% |
| All-time low | its lowest closing price on record is $9.82 (set on 2023-10-12) | $9.82 |
| Above the all-time low | it is 110.0% above its all-time low | +110.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move | 6th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.3907 between its high and its low — about 1.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.3907 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $20.16 and $20.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $20.16 – $20.56 – $20.96 |
| Typical daily range (% of price) | its price moves about 1.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.9% |
| Stretch from the 200-day average | it is trading 6.3 daily ranges above its 200-day average price (13.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.55× |
|---|
Candlestick patterns
3
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 2 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 2 sessions ago |
| Since a bearish engulfing | 9 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 9 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Gap filled | a 4.4% gap up opened on 2026-06-11 has been "filled" 48 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 48 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.0 percentage points (the stock gained 3.3% while the market gained 2.3%) | +1.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 8.5 percentage points (the stock gained 11.6% while the market gained 3.1%) | +8.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 5.0 percentage points (the stock gained 16.0% while the market gained 11.1%) | +5.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.0 percentage points (the stock gained 24.4% while the market gained 20.5%) | +4.0% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.5% of the share price. | +4.5% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $18.44 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +11.8% |
|---|
Price levels it has turned at before
ECBK last closed at $20.62 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $20.79 | Resistance | 0.8% above the last close | turned there three times · 2026-07-17 to 2026-08-13 |
| $20.04 | Support | 2.8% below the last close | turned there twice · 2026-02-18 to 2026-08-10 |
| $18.75 | Support | 9.1% below the last close | turned there six times · 2026-01-26 to 2026-06-26 |
| $17.79 | Support | 13.7% below the last close | turned there four times · 2025-11-07 to 2026-06-03 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $20.95.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-08-21.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Near the all-time high · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Interest rate fluctuations affecting net interest margins and loan demand.","Fluctuations in real estate values impacting the collateral for loan portfolios.","Competition among depository and other financial institutions in its market area."]
What changed in the latest 10-Q
AI-assisted comparison of ECBK's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-08) added section titled 'Significant Accounting Policies' stating 'There are no material changes to the significant accounting policies disclosed in ECB Bancorp, Inc.'s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 26, 2026.'
- Newer filing (2026-05-08) added 'Comparison of Financial Condition at March 31, 2026 and December 31, 2025' section with total assets, cash equivalents, and interest-bearing time deposits data.
- Newer filing (2026-05-08) added detailed financial comparisons: total assets of $1.65 billion at March 31, 2026 vs $1.61 billion at December 31, 2025; cash and cash equivalents of $111.3 million vs $86.9 million; interest-bearing time deposits of $11.5 million vs $8.0 million.
- Removed:
- Older filing (2025-11-07) contained section titled 'Critical Accounting Policies' stating 'There are no material changes to the critical accounting policies disclosed in ECB Bancorp, Inc.'s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 26, 2025.' - this section heading and reference date changed in newer filing.
- Older filing (2025-11-07) contained 'Income Taxes' section under Critical Accounting Estimates beginning with 'We use the liability method of accounting for income taxes...' - this section is not present in newer filing (truncated in newer filing).
- Reworded:
- Comparison period changed from 'September 30, 2025 compared to December 31, 2024' (older filing 2025-11-07) to 'March 31, 2026 compared to December 31, 2025' (newer filing 2026-05-08).
- Comparison scope changed from 'three and nine months ended September 30, 2025 and 2024' (older filing) to 'three months ended March 31, 2026 and 2025' (newer filing).
- Form 10-K reference date changed from 'March 26, 2025' (older filing 2025-11-07) to 'March 26, 2026' (newer filing 2026-05-08).
- Notes:
- Newer filing section is truncated at 'Interest-bearing time deposits were $11.5 million at March 31, 2026, as compared to $8.0 million at December 31, 2025, or an increase of $3.5 millio' - full text unavailable for complete comparison.
- Older filing section is truncated at 'We exercise significant judgment in eval' under Income Taxes - full text unavailable for complete comparison of removed content.
Risk Factors
- Removed:
- Loans held-for-sale line item (removed in newer filing dated 2026-05-08; was $357 thousand at December 31, 2025 in older filing)
- Nine months ended comparative income statement data (older filing dated 2025-11-07 included nine-month periods; newer filing dated 2026-05-08 shows only three-month periods)
- Nine months ended comprehensive income data (older filing dated 2025-11-07 included nine-month comparative data; newer filing dated 2026-05-08 does not)
- Complete nine-month statement of changes in shareholders' equity (older filing dated 2025-11-07 included this; newer filing dated 2026-05-08 omits it)
- Restricted stock awards activity line items (older filing dated 2025-11-07 included multiple restricted stock transactions; newer filing dated 2026-05-08 does not show these details)
- Reworded:
- Balance sheet date changed from September 30, 2025 / December 31, 2024 (older filing) to March 31, 2026 / December 31, 2025 (newer filing)
- Income statement period changed from three months and nine months ended September 30 (older filing) to three months ended March 31 (newer filing)
- Investments in held-to-maturity securities description changed from 'at amortized cost' (older filing dated 2025-11-07) to 'at cost' (newer filing dated 2026-05-08)
- Notes:
- The two filings cover materially different reporting periods (Q3 2025 vs Q1 2026), making comprehensive comparison of line item changes difficult to isolate from seasonal/temporal variation
- Certain balance sheet and income items changed numerically but this reflects different quarter-end dates rather than discrete accounting changes
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days4 buys ($716) · 0 sells — 1 buying insider
Most recent open-market transaction: 2026-04-30. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about ECBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding ECBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 562,259
- Reported value $9,406,592
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 1 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
ECBK had 134,291 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ECBK had 1.54% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 14.62 days to cover at the same settlement.
- Reported short interest (shares) 134,291
- Short interest (% of shares outstanding) 1.54%
- Prior settlement (shares) 130,417
- Reported change 2.97%
- Days to cover (reported) 14.62
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Eastern Bankshares (EBC)
- Independent Bank Corp. (INDB)
- Brookline Bancorp (BRKL)
- Leader Bank, N.A.
- Salem Five Bank
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does ECB BANCORP INC (ECBK) do?
ECB Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Everett Co-operative Bank. The company provides a range of community banking services, including deposit products and loan originations for residential and commercial real estate. It operates as a Maryland corporation and was formed to facilitate the mutual-to-stock conversion of the bank.
What sector is ECB BANCORP INC (ECBK) in?
ECB BANCORP INC (ECBK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Who are ECB BANCORP INC's (ECBK) competitors?
Notable peers of ECB BANCORP INC (ECBK) include Eastern Bankshares, Independent Bank Corp., Brookline Bancorp, Leader Bank, N.A. and Salem Five Bank. This peer set is informational only — not financial advice.
Is ECB BANCORP INC (ECBK) overbought or oversold right now?
ECB BANCORP INC (ECBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 55, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ECBK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.