ECB BANCORP INC (ECBK)
Financials · Community Banking · NASDAQ
A community bank holding company serving regional markets through traditional lending and deposit-taking operations, recently converted from mutual to stock form.
What ECB BANCORP INC does
ECB Bancorp, Inc. is a Maryland-based bank holding company for Everett Co-operative Bank, formed in March 2022 and completed its mutual-to-stock conversion in July 2022. The company operates a community bank providing traditional depository services, including loans, deposits, and other banking products to individuals and businesses in its market areas. The company generates revenue primarily from net interest income on its loan portfolio and investments, supplemented by noninterest income from customer service fees and bank-owned life insurance.
Themes: ["Community banking","Residential real estate lending","Commercial real estate lending","Deposit gathering","Net interest margin optimization"]
Fundamentals
- Price$20.23 as of 2026-07-09 close
- Market cap$177M as of 2026-07-10
- 1-year return+22.4% as of 2026-07-09 close
- P/E18.45 as of 2026-07-10
- ROE+5.6% as of 2026-07-10
- Debt / equity0.00 as of 2026-07-10
- Beta0.47 as of 2026-07-10
Key risks (from latest filing)
["Interest rate risk: Fluctuations in interest rates could compress net interest margins and reduce mortgage banking revenues, affecting profitability and loan origination demand.","Real estate market risk: Adverse changes in residential and commercial real estate values and market conditions could impair loan collateral and increase delinquencies and credit losses.","Operational and cybersecurity risk: Failure or breach of operational systems, infrastructure, or security systems, including cyberattacks, could disrupt operations and result in financial loss."]
Competitors & peers
- Brookline Bancorp (BRKL)
- Salem Five Bancorp (SALM)
- Eastern Bank (mutual, private)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.