ECB Bancorp

NAQ:ECBK · US26828M1062

BanksSmall

360

Medium confidence — indicative

Value43

Profit price16

Cash yield1

Sales & asset price36

Price/Sales28

EV / Gross Profit7

Price/Book72

Quality30

Returns on capital19

Profit margins—

Cash backing41

Cash Conversion49

Accruals3

Owner Earnings Margin70

Growth45

Sales growth95

Profit growth86

Profit Growth89

Owner Earnings Growth83

Reinvestment4

Price momentum12

Safety66

Debt load16

Debt serviceability7

Liquidity28

Sentiment46

Analyst ratings—

Expectations trend—

Market mood3

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

ECB Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded2022

Employees27

Websiteinvestor.everettbank.com/home/default.aspx

ISINUS26828M1062

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

ECB Bancorp, Inc. operates as the bank holding company for Everett Co-operative Bank (Everett) that provides various banking products and services. The company conducts business from its various full-service banking offices located in Everett, Lynnf…

Analysis

Weak and unloved

ECB Bancorp, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 17.7× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is moderate and the balance sheet is sturdy. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →