ECBK
ECB Bancorp, Inc.17.39
+0.01+0.06%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
153.92MP/E (TTM)
21.74Basic EPS (TTM)
0.80Dividend Yield
0%Recent Filings
8-K
Q4 profit doubles, loans soar
ECB Bancorp reported Q4 net income of $2.6M ($0.31/share), doubling from $1.4M ($0.17/share) a year ago, with full-year 2025 profit hitting $7.8M ($0.94/share) versus $4.0M prior. Loans surged 20.7% to $1.38B, deposits grew 13.4% to $1.13B, net interest margin widened to 2.32%, and efficiency ratio improved to 64.2%. Credit quality shines. New Medford branch ahead.
8-K
New Medford branch planned
ECB Bancorp's Everett Co-operative Bank filed to open a full-service branch at 501 High Street, Medford, Massachusetts, announced January 9, 2026, with a Q3 2026 opening targeted. This expands the franchise into a vibrant community, bolstering local ties amid digital shifts. Branches matter. CEO O'Neil highlights commitment to relationship banking, though regulatory approval and timelines remain forward-looking.
8-K
Severance boosted to 2.5x
10-Q
Q3 FY2025 results
ECB Bancorp posted solid Q3 momentum, with net interest income up 34.4% y/y to $8.5M on 19.0% higher loan interest ($18.2M) from a $182M average loan balance jump, while deposit costs eased 28 bps to 3.70%. Diluted EPS hit $0.29, up from $0.14 y/y, reconciling cleanly to 8.3M shares. Loans grew 14.9% q/q to $1.32B, fueled by commercial real estate (+36%) and multi-family (+18%), backed by $110M deposit gains and $260M FHLB advances; cash sits at $103M. Repurchased 123K shares at $16. Loans stay pristine. Non-GAAP metrics not disclosed in the 10-Q. Competition heats up in real estate lending.
8-K
Q3 net income jumps 115%
ECB Bancorp reported Q3 net income of $2.4M, up 115% from $1.1M last year, fueled by 34% higher net interest income and NIM expansion to 2.19%. Loans surged 15% to $1.32B, led by commercial real estate and multi-family growth, while deposits rose 11% to $1.11B. Credit quality stays rock-solid. Buybacks boost book value to $19.18.
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