ECB Bancorp, Inc. (ECBK) Stock Score, Valuation & Financial Research
ECB Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for ECBK
ECB Bancorp, Inc. currently has a Wall Street Score of 53/100. The stored market price is $21.08. Its financial score is 43/100. Its valuation score is 97/100. The latest WSS change is +1.2 points. These figures are a research snapshot, not a buy or sell recommendation.
What ECB Bancorp, Inc. does
ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options. Its lending portfolio encompasses diverse loans such as those for one-to-four family residential properties, commercial and multi-family real estate, construction and land development, general commercial purposes, and consumer needs, alongside home equity loans and lines of credit. Additionally, the company makes strategic investments in securities, primarily consisting of obligations issued by the U.S. government and federal agencies, mortgage-backed instruments, and corporate bo
ECBK financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $21.08
- Market capitalization:
- $184.5M
- Revenue:
- $86.5M
- Net income:
- $11.4M
- Free cash flow:
- $9.0M
- Cash:
- $2.9M
- Total debt:
- $285.0M
- EPS:
- 1.42
- P/E ratio:
- 14.8x
- Financial score:
- 43/100
- Valuation score:
- 97/100
- Revenue score:
- 41/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $9.0M, showing positive cash generation.
- The balance sheet shows $2.9M of cash versus $285.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +1.2 points: ECBK increased 1.2 points because Valuation improved by 4.4 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 43/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-07.
How to research ECBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.