ECB Bancorp (ECBK)
Market Price (6/23/2026): $19.82 | Market Cap: $159.1 MilSector: Financials | Industry: Regional Banks
ECB Bancorp (ECBK)
Market Price (6/23/2026): $19.82Market Cap: $159.1 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 6.0%, FCF Yield is 7.8% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 35% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% Low stock price volatilityVol 12M is 25% | Trading close to highsDist 52W High is -1.5%, Dist 3Y High is -1.5% Weak multi-year price returns3Y Excs Rtn is -19% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 78% 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 18.49 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 6.0%, FCF Yield is 7.8% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 35% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% |
| Low stock price volatilityVol 12M is 25% |
| Trading close to highsDist 52W High is -1.5%, Dist 3Y High is -1.5% |
| Weak multi-year price returns3Y Excs Rtn is -19% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 78% |
| 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 18.49 |
| 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 2/28/2026 because of the following key factors:
1. Exceptional Fiscal Q1 2026 Financial Performance. ECB Bancorp reported a net income of $3.1 million for fiscal Q1 2026, marking a significant 140.7% increase year-over-year from $1.3 million in fiscal Q1 2025, and a sequential rise from $2.6 million in fiscal Q4 2025. Diluted earnings per share (EPS) for fiscal Q1 2026 surged to $0.38, compared to $0.16 in the prior year's first fiscal quarter. This strong performance was further underscored by a 47.9% year-over-year increase in net interest and dividend income, reaching $9.8 million.
2. Significant Expansion in Net Interest Margin and Profitability. The company demonstrated improved profitability, with its net interest margin (NIM) expanding to 2.49% in fiscal Q1 2026, up from 1.89% in fiscal Q1 2025 and 2.32% in fiscal Q4 2025. This margin expansion, coupled with an improved efficiency ratio of 56.54% from 60.80% in fiscal Q4 2025, indicates effective management of operations and interest-earning assets. The trailing net profit margin also climbed to 24.5% from 15.3% a year earlier.
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ECB Bancorp (ECBK) stock has gained about 15% since 2/28/2026 because of the following key factors:
1. Exceptional Fiscal Q1 2026 Financial Performance. ECB Bancorp reported a net income of $3.1 million for fiscal Q1 2026, marking a significant 140.7% increase year-over-year from $1.3 million in fiscal Q1 2025, and a sequential rise from $2.6 million in fiscal Q4 2025. Diluted earnings per share (EPS) for fiscal Q1 2026 surged to $0.38, compared to $0.16 in the prior year's first fiscal quarter. This strong performance was further underscored by a 47.9% year-over-year increase in net interest and dividend income, reaching $9.8 million.
2. Significant Expansion in Net Interest Margin and Profitability. The company demonstrated improved profitability, with its net interest margin (NIM) expanding to 2.49% in fiscal Q1 2026, up from 1.89% in fiscal Q1 2025 and 2.32% in fiscal Q4 2025. This margin expansion, coupled with an improved efficiency ratio of 56.54% from 60.80% in fiscal Q4 2025, indicates effective management of operations and interest-earning assets. The trailing net profit margin also climbed to 24.5% from 15.3% a year earlier.
3. Substantial Insider Buying Activity. Multiple key insiders made significant purchases of ECB Bancorp stock in early March 2026, signaling strong confidence in the company's future. Co-Chief Executive Officers Scott C. Nuttall and Joseph Y. Bae each purchased 125,000 shares for an estimated $12,833,087 and $12,773,530, respectively. Additionally, Timothy R. Barakett acquired 100,000 shares valued at an estimated $9,970,000. These transactions, all exceeding the $5 million threshold, highlight robust internal conviction.
4. Robust Asset Growth and Healthy Asset Quality. ECB Bancorp experienced solid growth in its asset base, with total assets increasing by 2.8% to $1.65 billion as of March 31, 2026, compared to December 31, 2025. This growth was driven by disciplined loan expansion and strong deposit relationships. Furthermore, the company maintained healthy asset quality, with non-performing loans reported within a narrow range of $1.1 million to $1.3 million.
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Stock Movement Drivers
Fundamental Drivers
The 16.4% change in ECBK stock from 2/28/2026 to 6/22/2026 was primarily driven by a 22.5% change in the company's Net Income Margin (%).| (LTM values as of) | 2282026 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.19 | 20.01 | 16.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 31 | 36 | 18.3% |
| Net Income Margin (%) | 21.5% | 26.3% | 22.5% |
| P/E Multiple | 20.8 | 16.7 | -19.7% |
| Shares Outstanding (Mil) | 8 | 8 | 0.0% |
| Cumulative Contribution | 16.4% |
Market Drivers
2/28/2026 to 6/22/2026| Return | Correlation | |
|---|---|---|
| ECBK | 16.4% | |
| Market (SPY) | 8.8% | 34.6% |
| Sector (XLF) | 5.0% | 21.5% |
Fundamental Drivers
The 15.0% change in ECBK stock from 11/30/2025 to 6/22/2026 was primarily driven by a 22.5% change in the company's Net Income Margin (%).| (LTM values as of) | 11302025 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.40 | 20.01 | 15.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 31 | 36 | 18.3% |
| Net Income Margin (%) | 21.5% | 26.3% | 22.5% |
| P/E Multiple | 21.1 | 16.7 | -20.6% |
| Shares Outstanding (Mil) | 8 | 8 | 0.0% |
| Cumulative Contribution | 15.0% |
Market Drivers
11/30/2025 to 6/22/2026| Return | Correlation | |
|---|---|---|
| ECBK | 15.0% | |
| Market (SPY) | 9.5% | 27.3% |
| Sector (XLF) | 1.6% | 20.1% |
Fundamental Drivers
The 23.1% change in ECBK stock from 5/31/2025 to 6/22/2026 was primarily driven by a 51.8% change in the company's Net Income Margin (%).| (LTM values as of) | 5312025 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.25 | 20.01 | 23.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 27 | 36 | 35.5% |
| Net Income Margin (%) | 17.3% | 26.3% | 51.8% |
| P/E Multiple | 28.6 | 16.7 | -41.5% |
| Shares Outstanding (Mil) | 8 | 8 | 2.3% |
| Cumulative Contribution | 23.1% |
Market Drivers
5/31/2025 to 6/22/2026| Return | Correlation | |
|---|---|---|
| ECBK | 23.1% | |
| Market (SPY) | 27.7% | 20.6% |
| Sector (XLF) | 7.0% | 23.4% |
Fundamental Drivers
The 65.8% change in ECBK stock from 5/31/2023 to 6/22/2026 was primarily driven by a 78.4% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 5312023 | 6222026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.07 | 20.01 | 65.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 20 | 36 | 78.4% |
| Net Income Margin (%) | 20.2% | 26.3% | 30.1% |
| P/E Multiple | 35.7 | 16.7 | -53.1% |
| Shares Outstanding (Mil) | 12 | 8 | 52.4% |
| Cumulative Contribution | 65.8% |
Market Drivers
5/31/2023 to 6/22/2026| Return | Correlation | |
|---|---|---|
| ECBK | 65.8% | |
| Market (SPY) | 85.1% | 25.1% |
| Sector (XLF) | 77.5% | 27.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ECBK Return | - | 14% | -22% | 18% | 17% | 17% | 44% |
| Peers Return | 45% | -13% | -21% | 20% | 14% | 9% | 47% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 100% |
Monthly Win Rates [3] | |||||||
| ECBK Win Rate | - | 67% | 42% | 58% | 58% | 67% | |
| Peers Win Rate | 67% | 42% | 36% | 50% | 58% | 61% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
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 6/22/2026 (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.
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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.
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 | 51.07 |
| Mkt Cap | 2.3 |
| Rev LTM | 509 |
| Op Inc LTM | - |
| FCF LTM | 188 |
| FCF 3Y Avg | 141 |
| CFO LTM | 196 |
| CFO 3Y Avg | 150 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 40.6% |
| Rev Chg 3Y Avg | 11.9% |
| Rev Chg Q | 44.5% |
| QoQ Delta Rev Chg LTM | 9.3% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 36.8% |
| CFO/Rev 3Y Avg | 34.0% |
| FCF/Rev LTM | 35.5% |
| FCF/Rev 3Y Avg | 32.5% |
Price Behavior
| Market Price | $20.01 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 07/28/2022 | |
| Distance from 52W High | -1.5% | |
| 50 Days | 200 Days | |
| DMA Price | $18.45 | $17.22 |
| DMA Trend | up | up |
| Distance from DMA | 8.5% | 16.2% |
| 3M | 1YR | |
| Volatility | 26.7% | 24.9% |
| Downside Capture | -0.72 | 28.70 |
| Upside Capture | 60.82 | 52.09 |
| Correlation (SPY) | 23.9% | 22.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.03 | 0.91 | 0.82 | 0.56 | 0.43 | 0.41 |
| Up Beta | 0.86 | 1.33 | 1.20 | 1.04 | 1.06 | 0.55 |
| Down Beta | 2.65 | 1.80 | 0.70 | 0.28 | 0.16 | 0.29 |
| Up Capture | 55% | 52% | 65% | 41% | 23% | 15% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 12 | 23 | 32 | 63 | 128 | 365 |
| Down Capture | 101% | 42% | 74% | 51% | 32% | 60% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 8 | 18 | 31 | 55 | 113 | 345 |
[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 | 29.5% | 24.8% | 1.00 | - |
| Sector ETF (XLF) | 8.6% | 14.6% | 0.35 | 24.7% |
| Equity (SPY) | 26.1% | 12.4% | 1.59 | 22.7% |
| Gold (GLD) | 24.1% | 27.5% | 0.77 | 1.8% |
| Commodities (DBC) | 18.5% | 18.8% | 0.77 | -18.8% |
| Real Estate (VNQ) | 11.8% | 13.8% | 0.57 | 25.9% |
| Bitcoin (BTCUSD) | -40.2% | 42.5% | -1.09 | 10.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ECBK | |
|---|---|---|---|---|
| ECBK | 7.1% | 25.3% | 0.32 | - |
| Sector ETF (XLF) | 9.5% | 18.6% | 0.39 | 29.5% |
| Equity (SPY) | 13.4% | 17.1% | 0.61 | 24.5% |
| Gold (GLD) | 17.1% | 18.3% | 0.76 | 2.3% |
| Commodities (DBC) | 7.5% | 19.4% | 0.28 | 4.9% |
| Real Estate (VNQ) | 2.1% | 18.9% | 0.01 | 22.5% |
| Bitcoin (BTCUSD) | 9.4% | 54.1% | 0.37 | 10.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ECBK | |
|---|---|---|---|---|
| ECBK | 3.5% | 25.3% | 0.32 | - |
| Sector ETF (XLF) | 13.2% | 22.2% | 0.54 | 29.5% |
| Equity (SPY) | 15.4% | 18.0% | 0.73 | 24.5% |
| Gold (GLD) | 12.2% | 16.1% | 0.62 | 2.3% |
| Commodities (DBC) | 6.0% | 18.0% | 0.26 | 4.9% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 22.5% |
| Bitcoin (BTCUSD) | 59.9% | 66.8% | 1.00 | 10.6% |
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Returns Analyses
Earnings Returns History
Updated 6/3/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 4 | 5 |
| # Negative | 4 | 8 | 7 |
| Median Positive | 0.6% | 2.6% | 8.2% |
| 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 |
| 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 | 8 | 4 | 5 |
| # Negative | 4 | 8 | 7 |
| Median Positive | 0.6% | 2.6% | 8.2% |
| 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 |
|---|---|---|
| 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 |
| Report Date | Filing Date | Filing |
|---|---|---|
| 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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