ECB Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from ECB Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$62Sales grew 33% in 3 years; of every extra $100 of sales, $62 became extra profit.
Higher than 84% of Financial Services companies in United States.
Asset Productivity Ratio
+33% / +51%In 3 years sales changed by +33% while total assets changed by +51%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
ECB Bancorp, Inc. owes $0.89 for every $1 it owns. Net profit rose 95% in the year to Dec 2025, and grew 42% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
15.5Investors pay $15.5 for every $1 of ECB Bancorp, Inc.'s yearly profit, higher than 66% of Financial Services companies in United States.
P/B ratio
1.04The share price is 1.04 times ECB Bancorp, Inc.'s book value per share, lower than 69% of Financial Services companies in United States.
Market cap
$186 MThe total market value of all of ECB Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 84% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$180 MWhat ECB Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$20.59Net worth divided by the number of shares. The share price of $21.33 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
6.6%ECB Bancorp, Inc. earned 6.6% on its shareholders' money over the last year, lower than 71% of Financial Services companies in United States.
Owes vs Owns
0.89×ECB Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 76% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneECB Bancorp, Inc. does not currently pay a dividend.
Revenue growth
+27%Revenue rose 27% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit growth
+95%Net profit rose 95% in the year to Dec 2025, and grew 42% a year on average over 3 years.
Profit margin
23.4%ECB Bancorp, Inc. keeps $23 of every $100 of revenue as net profit.
Questions
What is ECB Bancorp, Inc.'s P/E ratio?
Investors pay $15.5 for every $1 of ECB Bancorp, Inc.'s yearly profit, higher than 66% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For ECB Bancorp, Inc.: $186 M ÷ $180 M (30 Jun 2026) = 1.0.
What is ECB Bancorp, Inc.'s return on equity?
ECB Bancorp, Inc. earned 6.6% on its shareholders' money over the last year, lower than 71% of Financial Services companies in United States.
How much does ECB Bancorp, Inc. owe compared with what it owns?
ECB Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 76% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does ECB Bancorp, Inc. pay a dividend?
No. ECB Bancorp, Inc. does not currently pay a dividend.
Is ECB Bancorp, Inc.'s revenue growing?
Revenue rose 27% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.