ECB Bancorp, Inc. /MD/ (ECBK)
Financial Services › Savings Institutions, Not Federally Chartered
Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 8% below Graham Number — thin margin of safety
- Piotroski F-Score 5/9 — moderate financial health
- ROE of 3.7% — below-average profitability
ECB Bancorp, Inc. /MD/ (ECBK) is a Financial Services company operating in Savings Institutions, Not Federally Chartered, listed on the NASDAQ , with a market capitalisation of $144 million . Key value metrics: P/E ratio 22.9, P/B ratio 0.84, Piotroski F-Score 5 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 4 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
ECB Bancorp, Inc. /MD/ — Fundamental Analysis Summary
ECB Bancorp, Inc. /MD/ (ECBK) is trading 8% below its Graham Number of $17.80, offering a thin margin of safety. The stock carries an elevated trailing P/E ratio of 22.9x.
On financial health, ECBK shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 3.7% (sector average: 5.8%), and high leverage with a debt-to-equity ratio of 8.17.
StockPik's composite Value Score for ECBK is 72/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
ECBK shows revenue growing at 4% year-over-year, with earnings growing at 95%.