ECB Bancorp (ECBK)
Market Price (9/21/2026): $20.81 | Market Cap: $166.5 MilSector: Financials | Industry: Regional Banks
ECB Bancorp (ECBK)
Market Price (9/21/2026): $20.81Market Cap: $166.5 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.8%, FCF Yield is 13% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 59%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 58% Low stock price volatilityVol 12M is 25% | Trading close to highsDist 52W High is -2.9%, Dist 3Y High is -2.9% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 81% Significant short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 20.78 Key risksECBK key risks include [1] cybersecurity threats, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.8%, FCF Yield is 13% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 36% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 59%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 58% |
| Low stock price volatilityVol 12M is 25% |
| Trading close to highsDist 52W High is -2.9%, Dist 3Y High is -2.9% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 81% |
| Significant short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 20.78 |
| Key risksECBK key risks include [1] cybersecurity threats, Show more. |
Qualitative Assessment
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ECB Bancorp (ECBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Earnings Performance.
ECB Bancorp reported a significant increase in profitability for fiscal Q2 2026, which ended June 30, 2026. Net income surged to $3,261 thousand, a substantial rise from $1,440 thousand in fiscal Q2 2025. Similarly, diluted earnings per share (EPS) more than doubled, climbing to $0.39 compared to $0.17 in the prior year's second quarter. Net interest and dividend income also saw an increase, reaching $10,035 thousand in the same period. These strong financial results were announced on July 23, 2026, and likely served as a primary catalyst for the stock's upward trend.
2. Positive Analyst Sentiment and Upgraded Ratings.
Analyst confidence in ECB Bancorp strengthened during the specified period. By August 15, 2026, the stock had a "Buy" consensus rating from Wall Street analysts. This sentiment further improved, with the company achieving a "Strong Buy" consensus rating by August 28, 2026. Notably, Weiss Ratings upgraded ECB Bancorp from a "buy (b+)" to a "buy (a-)" in a research note published on August 17, 2026, signaling increased positive outlook from rating agencies.
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ECB Bancorp (ECBK) stock has gained about 15% since 5/31/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Earnings Performance.
ECB Bancorp reported a significant increase in profitability for fiscal Q2 2026, which ended June 30, 2026. Net income surged to $3,261 thousand, a substantial rise from $1,440 thousand in fiscal Q2 2025. Similarly, diluted earnings per share (EPS) more than doubled, climbing to $0.39 compared to $0.17 in the prior year's second quarter. Net interest and dividend income also saw an increase, reaching $10,035 thousand in the same period. These strong financial results were announced on July 23, 2026, and likely served as a primary catalyst for the stock's upward trend.
2. Positive Analyst Sentiment and Upgraded Ratings.
Analyst confidence in ECB Bancorp strengthened during the specified period. By August 15, 2026, the stock had a "Buy" consensus rating from Wall Street analysts. This sentiment further improved, with the company achieving a "Strong Buy" consensus rating by August 28, 2026. Notably, Weiss Ratings upgraded ECB Bancorp from a "buy (b+)" to a "buy (a-)" in a research note published on August 17, 2026, signaling increased positive outlook from rating agencies.
3. Continued Asset and Loan Growth with Strategic Expansion.
ECB Bancorp demonstrated healthy growth in its balance sheet, with total assets reaching $1,671,515 thousand as of June 30, 2026, reflecting modest growth from December 31, 2025. The company's total gross loans stood at $1.404 billion at the end of fiscal Q2 2026, maintained by consistent originations. Furthermore, ECB Bancorp is actively pursuing strategic growth by preparing for a new branch opening in the Medford market, aiming to expand its geographic reach and enhance customer relationships. The bank also maintained robust regulatory capital levels, with a total risk-based capital ratio of 14.90% and a Common Equity Tier 1 ratio of 13.94% as of June 30, 2026, well above mandated thresholds, indicating strong financial health to support future growth.
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Stock Movement Drivers
Fundamental Drivers
The 14.6% change in ECBK stock from 5/31/2026 to 9/20/2026 was primarily driven by a 11.9% change in the company's Net Income Margin (%).| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.26 | 20.92 | 14.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 36 | 39 | 6.4% |
| Net Income Margin (%) | 26.3% | 29.4% | 11.9% |
| P/E Multiple | 15.3 | 14.7 | -4.0% |
| Shares Outstanding (Mil) | 8 | 8 | 0.3% |
| Cumulative Contribution | 14.6% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| ECBK | 14.6% | |
| Market (SPY) | 0.9% | 24.6% |
| Sector (XLF) | 8.3% | 24.5% |
Fundamental Drivers
The 21.7% change in ECBK stock from 2/28/2026 to 9/20/2026 was primarily driven by a 37.0% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.19 | 20.92 | 21.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 31 | 39 | 25.8% |
| Net Income Margin (%) | 21.5% | 29.4% | 37.0% |
| P/E Multiple | 20.8 | 14.7 | -29.6% |
| Shares Outstanding (Mil) | 8 | 8 | 0.3% |
| Cumulative Contribution | 21.7% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| ECBK | 21.7% | |
| Market (SPY) | 11.6% | 33.2% |
| Sector (XLF) | 9.2% | 29.7% |
Fundamental Drivers
The 22.9% change in ECBK stock from 8/31/2025 to 9/20/2026 was primarily driven by a 58.5% change in the company's Net Income Margin (%).| (LTM values as of) | 8312025 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.02 | 20.92 | 22.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 29 | 39 | 35.5% |
| Net Income Margin (%) | 18.6% | 29.4% | 58.5% |
| P/E Multiple | 26.1 | 14.7 | -43.9% |
| Shares Outstanding (Mil) | 8 | 8 | 1.9% |
| Cumulative Contribution | 22.9% |
Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| ECBK | 22.9% | |
| Market (SPY) | 19.4% | 22.8% |
| Sector (XLF) | 4.7% | 27.0% |
Fundamental Drivers
The 70.6% change in ECBK stock from 8/31/2023 to 9/20/2026 was primarily driven by a 251.0% change in the company's Net Income Margin (%).| (LTM values as of) | 8312023 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.26 | 20.92 | 70.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 27 | 39 | 43.5% |
| Net Income Margin (%) | 8.4% | 29.4% | 251.0% |
| P/E Multiple | 45.9 | 14.7 | -68.1% |
| Shares Outstanding (Mil) | 8 | 8 | 6.1% |
| Cumulative Contribution | 70.6% |
Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| ECBK | 70.6% | |
| Market (SPY) | 75.6% | 25.3% |
| Sector (XLF) | 69.8% | 27.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ECBK Return | - | 14% | -22% | 18% | 17% | 19% | 47% |
| Peers Return | 45% | -13% | -21% | 20% | 14% | 14% | 55% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| ECBK Win Rate | - | 67% | 42% | 58% | 58% | 78% | |
| Peers Win Rate | 67% | 42% | 36% | 50% | 58% | 63% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| ECBK Max Drawdown | - | - | -39% | -16% | -14% | -13% | |
| Peers Max Drawdown | -21% | -27% | -47% | -22% | -23% | -17% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: HIFS, INDB, EBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)
How Low Can It Go
| Event | ECBK | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.1% | -9.5% |
| % Gain to Breakeven | 26.7% | 10.5% |
| Time to Breakeven | 78 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.1% | -6.7% |
| % Gain to Breakeven | 51.8% | 7.1% |
| Time to Breakeven | 719 days | 31 days |
In The Past
ECB Bancorp's stock fell 0.0% during the 2025 US Tariff Shock. Such a loss loss requires a 0.0% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | ECBK | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -21.1% | -9.5% |
| % Gain to Breakeven | 26.7% | 10.5% |
| Time to Breakeven | 78 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.1% | -6.7% |
| % Gain to Breakeven | 51.8% | 7.1% |
| Time to Breakeven | 719 days | 31 days |
In The Past
ECB Bancorp's stock fell 0.0% during the 2025 US Tariff Shock. Such a loss loss requires a 0.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About ECB Bancorp (ECBK)
ECB Bancorp (ECBK) is the newly formed holding company for Everett Co-operative Bank, a Massachusetts-chartered mutual cooperative bank with a history dating back to 1890. Operating from two full-service branches in Everett and Lynnfield, Massachusetts, the company’s core business model revolves around accepting deposits from the general public and strategically investing these funds, along with generated operations, primarily into real estate-backed loans and a portfolio of securities.
The bank's lending activities are diversified, focusing on one- to four-family residential real estate loans, commercial real estate loans, multifamily real estate loans, construction and land loans, and home equity lines of credit. It offers a comprehensive suite of deposit products including checking, savings, money market, and certificate of deposit accounts. ECB Bancorp primarily serves the Middlesex, Essex, Suffolk, and Norfolk Counties in Massachusetts, located within the greater Boston metropolitan area. Its current strategy emphasizes growing its commercial real estate and multifamily lending segments, cultivating commercial deposit relationships, and expanding its online banking services to enhance customer convenience and competitive positioning.
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- It's like a local, community version of Bank of America, specifically serving the greater Boston area with a focus on real estate lending.
- Consider it a small, independent regional bank for the greater Boston market, similar to a localized version of Citizens Bank but with a deep focus on real estate loans.
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- Residential Real Estate Loans: Funds provided to individuals for the purchase or refinance of one-to-four family homes.
- Commercial Real Estate Loans: Financing offered for the acquisition, development, or refinance of commercial properties.
- Multifamily Real Estate Loans: Loans specifically for properties with multiple residential units.
- Construction and Land Loans: Credit extended for the purpose of funding construction projects and the purchase of land.
- Home Equity Lines of Credit (HELOCs): Revolving credit lines that allow homeowners to borrow against the equity in their homes.
- Deposit Accounts: Services that allow customers to save and manage money through various account types such as checking, savings, money market, certificates of deposit (CDs), and IRAs.
- Online Banking Services: Digital platforms and tools enabling customers to manage accounts, make transactions, and access banking services remotely.
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ECB Bancorp (ECBK) operates Everett Co-operative Bank, a community bank. Its business primarily involves taking deposits and originating various types of loans. Therefore, its major customers are not other companies, but rather individuals and businesses within its service area. The key categories of customers it serves are:
- Individuals and Families: These customers utilize a variety of deposit accounts, including savings, checking, money market, IRAs, and certificates of deposit. They are also the primary recipients of one- to four-family residential real estate loans and home equity lines of credit, which together constitute a significant portion of the bank's loan portfolio (e.g., 49.8% for residential real estate loans and 5.0% for home equity lines of credit at December 31, 2021).
- Commercial Businesses: These customers are a focus for the bank's commercial real estate lending (19.2% of the loan portfolio at December 31, 2021) and construction and land loans (13.5% of the loan portfolio). The bank explicitly states its strategy to grow commercial deposit relationships and commercial real estate lending portfolios.
- Real Estate Investors and Developers: This category of customers is primarily targeted for multifamily real estate loans (11.4% of the loan portfolio at December 31, 2021) and construction and land loans. They also contribute to the bank's commercial deposit base.
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Federal Home Loan Bank of Boston
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Richard J. O'Neil Jr., Esq. President and Chief Executive Officer
Richard J. O'Neil Jr. serves as the CEO and President of Everett Co-operative Bank and ECB Bancorp Inc. He has also been a Director since 1997. He was hired as CEO in 2016, having previously served as outside general counsel and a board member of Everett Co-operative Bank since 1997. Mr. O'Neil has over 30 years of banking affiliation.
Brandon N. Lavertu Executive Vice President, Chief Financial Officer
Brandon N. Lavertu was appointed as Chief Financial Officer for ECB Bancorp and Everett Co-operative Bank effective July 17, 2024. He joined ECB Bancorp upon its organization in March 2022, and has served as Senior Vice President and Chief Accounting Officer of the Bank since December 2021. Before his time at ECB Bancorp, Mr. Lavertu was First Vice President and Controller of Cambridge Savings Bank from August 2019 to December 2021, and Senior Vice President of Belmont Savings Bank from February 2015 to August 2019.
John A. Citrano Executive Vice President, Chief Operating Officer
John A. Citrano serves as the Executive Vice President and Chief Operating Officer. He joined the bank in 2019 and possesses 34 years of experience in the financial services industry, including a role as Chief Financial Officer of a publicly traded community bank in the greater Boston area.
John Migliozzi Executive Vice President, Chief Lending Officer
John Migliozzi holds the position of Executive Vice President, Chief Lending Officer.
Cary Lynch Senior Vice President, Head of Retail Banking
Cary Lynch is the Senior Vice President and Head of Retail Banking.
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Key Risks to Business for ECB Bancorp (ECBK)
- Concentration in Real Estate Lending: ECB Bancorp's loan portfolio is significantly concentrated in various types of real estate loans, including one-to-four-family residential, commercial, multifamily, and construction loans. As of December 31, 2021, these categories comprised a substantial majority of the total loan portfolio. This concentration exposes the bank to significant risk should there be a downturn or adverse conditions in the real estate markets within its primary lending areas of Middlesex, Essex, Suffolk, and Norfolk Counties, Massachusetts.
- Reliance on Non-Retail Funding Sources: The company has historically relied on advances from the Federal Home Loan Bank of Boston (FHLB) and, more recently, has utilized brokered deposits as non-retail funding sources for its operations. This reliance could expose ECB Bancorp to risks related to the availability, cost, and stability of these funding sources, which may be more volatile or expensive than traditional retail deposits.
- Intense Competition from Larger Financial Institutions: ECB Bancorp operates in the greater Boston metropolitan area, where it faces competition from larger financial institutions. The bank's strategy to expand online banking products and services is aimed at competing with these larger entities, indicating the ongoing challenge of maintaining and growing its customer base and market share against competitors with potentially greater resources and broader offerings.
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The clear emerging threat for ECB Bancorp is the increasing competition from digital-first financial institutions, including challenger banks and specialized online lenders. These entities leverage technology to offer superior convenience, efficiency, and potentially lower costs through purely digital channels, directly challenging ECB Bancorp's traditional branch-based model and its ability to attract and retain customers. ECB Bancorp itself acknowledges this competitive pressure by stating its intention to "focus on expanding our online banking products and services to ensure that our customers continue to enjoy the local bank experience with optimal convenience and efficiencies necessary to compete with larger financial institutions." This indicates a recognition of the shift towards digital channels as a critical battleground for customer acquisition and retention.
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ECB Bancorp (ECBK) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Growth in Commercial Real Estate and Multifamily Real Estate Loans: The company's current business strategy emphasizes continuing to focus on expanding its commercial real estate and multifamily lending portfolios. This focus has translated into tangible results, with notable growth in these loan categories contributing to an increase in the overall loan portfolio.
- Growth in One-to-Four-Family Residential Real Estate Loans: Alongside commercial and multifamily lending, ECB Bancorp also plans to continue growing its one-to-four-family residential real estate loan portfolio. This segment remains a consistent focus for the bank's lending activities.
- Expansion of the Deposit Base: Increasing deposits, particularly through certificates of deposit and money market accounts, is crucial for funding loan growth and operations. Recent financial reports indicate an increase in deposits driven by these account types, supporting the bank's lending capacity. The company also intends to focus on growing commercial deposit relationships as a core source of funds.
- Geographic Expansion: ECB Bancorp has expanded its physical presence by adding a third full-service banking office in Woburn, Massachusetts. This addition to its existing offices in Everett and Lynnfield, Massachusetts, allows the company to reach new customers and markets within the greater Boston metropolitan area, contributing to broader business expansion.
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Share Repurchases
- ECB Bancorp completed its first stock repurchase program on April 11, 2025.
- Under this program, the company repurchased 458,762 shares, representing approximately 5.0% of its outstanding common stock, at an average price of $12.92 per share.
- The program, adopted on August 10, 2023, was the first since the company's mutual to stock conversion and related offering in July 2022.
Share Issuance
- ECB Bancorp completed its initial public offering (IPO) on July 27, 2022, as part of Everett Co-operative Bank's conversion to a stock form of organization.
- The company sold 8,915,247 shares of common stock at $10.00 per share, raising gross proceeds of approximately $89.2 million.
- This issuance included 734,020 shares sold to the Bank's Employee Stock Ownership Plan.
Capital Expenditures
- ECB Bancorp invested $71,000 in capital expenditures during Q3 2025.
- For the nine months ended September 30, 2025, capital expenditures totaled $139,000, an increase from $60,000 in the same period in 2024.
- The company expanded its physical presence with the opening of a new branch in Medford, MA.
Peer Outperformance in Regional Banks
null| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 70.6% | 133.7% | SPNT 170% · RGA 154% · RNR 140% |
| Investment Banking & Brokerage | 13 | -1.7% | 105.1% | 116.5% | IBKR 527% · SNEX 257% · HOOD 183% |
| Diversified Banks | 12 | 27.5% | 129.8% | 116.3% | CM 161% · JPM 159% · RY 149% |
| Life & Health Insurance | 20 | 8.6% | 57.6% | 105.8% | JXN 534% · UNM 373% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 50.2% | 87.3% | JONE 361% · VOYA 88% · BRK-B 87% |
| Property & Casualty Insurance | 42 | 9.6% | 67.5% | 67.8% | ASIC 2760900% · HRTG 445% · UVE 331% |
| Regional Banks ← | 265 | 23.9% | 91.7% | 67.1% | ESQ 391% · GCBC 340% · VBNK 335% |
| Multi-line Insurance | 9 | 8.8% | 71.2% | 64.1% | GNW 201% · L 112% · SLF 104% |
| Financial Exchanges & Data | 15 | -0.1% | 17.4% | 32.7% | VIRT 184% · CBOE 135% · CME 83% |
| Diversified Financial Services | 4 | -7.3% | 22.1% | 32.6% | FRHC 168% · EQH 119% · TMS -54% |
| Consumer Finance | 30 | 1.7% | 89.6% | 26.9% | ENVA 447% · EZPW 319% · FCFS 168% |
| Insurance Brokers | 16 | -15.1% | -6.3% | 20.3% | LIFE 200% · ARX 87% · AJG 70% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 32.8% | 13.9% | FNMA 454% · FMCC 436% · ACT 204% |
| Asset Management & Custody Banks | 84 | -11.7% | 17.6% | 12.0% | WT 348% · SII 279% · VCTR 274% |
| Specialized Finance | 3 | 14.0% | 42.2% | -2.8% | EFC 27% · CACC -3% · HASI -16% |
| Mortgage REITs | 33 | -13.0% | 7.4% | -16.5% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -5.9% | -42.9% | V 74% · MA 73% · CPAY 58% |
| Diversified Capital Markets | 20 | -36.3% | 20.7% | -48.1% | OPY 196% · LPLA 136% · GOLD 90% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can ECB Bancorp Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 51.92 |
| Mkt Cap | 2.3 |
| Rev LTM | 556 |
| Op Inc LTM | - |
| FCF LTM | 170 |
| FCF 3Y Avg | 138 |
| CFO LTM | 179 |
| CFO 3Y Avg | 147 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 50.6% |
| Rev Chg 3Y Avg | 17.5% |
| Rev Chg Q | 34.2% |
| QoQ Delta Rev Chg LTM | 7.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 34.5% |
| CFO/Rev 3Y Avg | 33.3% |
| FCF/Rev LTM | 32.6% |
| FCF/Rev 3Y Avg | 31.7% |
Price Behavior
| Market Price | $20.92 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 07/28/2022 | |
| Distance from 52W High | -2.9% | |
| 50 Days | 200 Days | |
| DMA Price | $20.56 | $18.52 |
| DMA Trend | up | up |
| Distance from DMA | 1.7% | 12.9% |
| 3M | 1YR | |
| Volatility | 21.6% | 24.6% |
| Downside Capture | 69.90 | 38.97 |
| Upside Capture | 78.15 | 60.82 |
| Correlation (SPY) | 32.8% | 24.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.33 | 0.36 | 0.30 | 0.57 | 0.40 | 0.40 |
| Up Beta | 0.13 | -0.12 | 0.55 | 0.92 | 0.84 | 0.56 |
| Down Beta | -1.25 | -0.09 | -0.39 | 0.10 | -0.06 | 0.27 |
| Up Capture | 54% | 66% | 74% | 66% | 39% | 16% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 13 | 21 | 33 | 65 | 130 | 369 |
| Down Capture | 74% | 67% | 19% | 47% | 41% | 54% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 8 | 21 | 31 | 62 | 114 | 347 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ECBK | |
|---|---|---|---|---|
| ECBK | 30.5% | 24.6% | 1.02 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 26.8% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 24.0% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | 3.7% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | -26.8% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 25.6% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 11.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ECBK | |
|---|---|---|---|---|
| ECBK | 8.0% | 25.1% | 0.34 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 30.1% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 24.6% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | 2.8% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | 2.4% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 22.3% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 10.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ECBK | |
|---|---|---|---|---|
| ECBK | 3.9% | 25.1% | 0.34 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 30.1% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 24.6% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | 2.8% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | 2.4% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 22.3% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 10.8% |
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Returns Analyses
Earnings Returns History
Updated 8/25/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/23/2026 | 1.9% | 2.4% | 3.4% |
| 4/23/2026 | 0.1% | -1.6% | 0.4% |
| 2/5/2026 | 0.2% | -0.3% | -6.1% |
| 10/22/2025 | 1.1% | -4.8% | 8.6% |
| 7/24/2025 | -0.8% | -1.6% | 3.0% |
| 4/24/2025 | 0.2% | -2.5% | -1.6% |
| 2/5/2025 | 0.9% | 2.0% | 8.2% |
| 10/24/2024 | -0.1% | -1.5% | -0.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 9 | 5 | 6 |
| # Negative | 4 | 8 | 7 |
| Median Positive | 0.9% | 2.4% | 5.8% |
| Median Negative | -0.7% | -1.6% | -1.6% |
| Max Positive | 2.4% | 4.5% | 13.8% |
| Max Negative | -1.5% | -7.5% | -6.1% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/23/2026 | 1.9% | 2.4% | 3.4% |
| 4/23/2026 | 0.1% | -1.6% | 0.4% |
| 2/5/2026 | 0.2% | -0.3% | -6.1% |
| 10/22/2025 | 1.1% | -4.8% | 8.6% |
| 7/24/2025 | -0.8% | -1.6% | 3.0% |
| 4/24/2025 | 0.2% | -2.5% | -1.6% |
| 2/5/2025 | 0.9% | 2.0% | 8.2% |
| 10/24/2024 | -0.1% | -1.5% | -0.1% |
| 7/25/2024 | 0.9% | 3.3% | -1.6% |
| 4/25/2024 | -1.5% | -7.5% | -0.5% |
| 2/15/2024 | 0.3% | -0.7% | -0.9% |
| 10/26/2023 | -0.6% | 4.5% | 13.8% |
| 7/27/2023 | 2.4% | 1.8% | -2.1% |
| SUMMARY STATS | |||
| # Positive | 9 | 5 | 6 |
| # Negative | 4 | 8 | 7 |
| Median Positive | 0.9% | 2.4% | 5.8% |
| Median Negative | -0.7% | -1.6% | -1.6% |
| Max Positive | 2.4% | 4.5% | 13.8% |
| Max Negative | -1.5% | -7.5% | -6.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/07/2026 | 10-Q |
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/25/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/26/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/29/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/07/2026 | 10-Q |
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/25/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/26/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/29/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/30/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 12/31/2021 | 05/20/2022 | 424B3 |
Insider Activity
Updated 5/1/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Lavertu, Brandon | CFO | Direct | Buy | 5012026 | 17.89 | 40 | 716 | 580,047 | Form |
| 2 | Sullivan, Maura Ellen | Spouse | Buy | 2092026 | 18.50 | 2,200 | 40,700 | 105,450 | Form | |
| 3 | Sullivan, Maura Ellen | Spouse | Buy | 12092025 | 16.98 | 563 | 9,558 | 59,420 | Form | |
| 4 | Sullivan, Maura Ellen | Spouse | Buy | 12092025 | 16.83 | 2,937 | 49,418 | 49,418 | Form | |
| 5 | O'Neil, Richard J JR | President and CEO | IRA | Buy | 9182025 | 15.85 | 1,250 | 19,812 | 433,577 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Lavertu, Brandon | CFO | Direct | Buy | 5012026 | 17.89 | 40 | 716 | 580,047 | Form |
| 2 | Sullivan, Maura Ellen | Spouse | Buy | 2092026 | 18.50 | 2,200 | 40,700 | 105,450 | Form | |
| 3 | Sullivan, Maura Ellen | Spouse | Buy | 12092025 | 16.98 | 563 | 9,558 | 59,420 | Form | |
| 4 | Sullivan, Maura Ellen | Spouse | Buy | 12092025 | 16.83 | 2,937 | 49,418 | 49,418 | Form | |
| 5 | O'Neil, Richard J JR | President and CEO | IRA | Buy | 9182025 | 15.85 | 1,250 | 19,812 | 433,577 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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