Tearsheet

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total 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 growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 35%

Attractive cash flow generation
CFO/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 volatility
Vol 12M is 25%

Trading close to highs
Dist 52W High is -1.5%, Dist 3Y High is -1.5%

Weak multi-year price returns
3Y Excs Rtn is -19%

Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 78%

Significant short interest
Short 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 risks
ECBK key risks include [1] cybersecurity threats, Show more.

0 Attractive yield
Total 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%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 35%
2 Attractive cash flow generation
CFO/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%
3 Low stock price volatility
Vol 12M is 25%
4 Trading close to highs
Dist 52W High is -1.5%, Dist 3Y High is -1.5%
5 Weak multi-year price returns
3Y Excs Rtn is -19%
6 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 78%
7 Significant short interest
Short 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
8 Key risks
ECBK key risks include [1] cybersecurity threats, Show more.

ECBK in ETFs

Weight = ECBK's share of each fund

VTI0.00%
IWM0.00%
IWN0.01%
VTWO0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/18/2026

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.

Show more
Updated on 6/18/2026

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.

Show less
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

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)22820266222026Change
Stock Price ($)17.1920.0116.4%
Change Contribution By: 
Total Revenues ($ Mil)313618.3%
Net Income Margin (%)21.5%26.3%22.5%
P/E Multiple20.816.7-19.7%
Shares Outstanding (Mil)880.0%
Cumulative Contribution16.4%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/22/2026
ReturnCorrelation
ECBK16.4% 
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)113020256222026Change
Stock Price ($)17.4020.0115.0%
Change Contribution By: 
Total Revenues ($ Mil)313618.3%
Net Income Margin (%)21.5%26.3%22.5%
P/E Multiple21.116.7-20.6%
Shares Outstanding (Mil)880.0%
Cumulative Contribution15.0%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/22/2026
ReturnCorrelation
ECBK15.0% 
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)53120256222026Change
Stock Price ($)16.2520.0123.1%
Change Contribution By: 
Total Revenues ($ Mil)273635.5%
Net Income Margin (%)17.3%26.3%51.8%
P/E Multiple28.616.7-41.5%
Shares Outstanding (Mil)882.3%
Cumulative Contribution23.1%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/22/2026
ReturnCorrelation
ECBK23.1% 
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)53120236222026Change
Stock Price ($)12.0720.0165.8%
Change Contribution By: 
Total Revenues ($ Mil)203678.4%
Net Income Margin (%)20.2%26.3%30.1%
P/E Multiple35.716.7-53.1%
Shares Outstanding (Mil)12852.4%
Cumulative Contribution65.8%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/22/2026
ReturnCorrelation
ECBK65.8% 
Market (SPY)85.1%25.1%
Sector (XLF)77.5%27.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
ECBK Return-14%-22%18%17%17%44%
Peers Return45%-13%-21%20%14%9%47%
S&P 500 Return27%-19%24%23%16%10%100%

Monthly Win Rates [3]
ECBK Win Rate-67%42%58%58%67% 
Peers Win Rate67%42%36%50%58%61% 
S&P 500 Win Rate75%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

EventECBKS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.1%-9.5%
  % Gain to Breakeven26.7%10.5%
  Time to Breakeven78 days24 days
2023 SVB Regional Banking Crisis
  % Loss-34.1%-6.7%
  % Gain to Breakeven51.8%7.1%
  Time to Breakeven719 days31 days

Compare to HIFS, INDB, EBC

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.

EventECBKS&P 500
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-21.1%-9.5%
  % Gain to Breakeven26.7%10.5%
  Time to Breakeven78 days24 days
2023 SVB Regional Banking Crisis
  % Loss-34.1%-6.7%
  % Gain to Breakeven51.8%7.1%
  Time to Breakeven719 days31 days

Compare to HIFS, INDB, EBC

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.

AI Analysis | Feedback

  • 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.

AI Analysis | Feedback

  • 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.

AI Analysis | Feedback

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:

  1. 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).
  2. 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.
  3. 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.

AI Analysis | Feedback

Federal Home Loan Bank of Boston

AI Analysis | Feedback

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.

AI Analysis | Feedback

Key Risks to Business for ECB Bancorp (ECBK)

  1. 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.
  2. 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.
  3. 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.

AI Analysis | Feedback

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.

AI Analysis | Feedback

null

AI Analysis | Feedback

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.

AI Analysis | Feedback

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

TitleDate
0DASHBOARDS 
1How Low Can ECB Bancorp Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

ECBKHIFSINDBEBCMedian
NameECB Banc.Hingham .Independ.Eastern . 
Mkt Price20.01285.3681.4020.7451.07
Mkt Cap0.20.64.04.62.3
Rev LTM36999191,049509
Op Inc LTM-----
FCF LTM1237339355188
FCF 3Y Avg825258275141
CFO LTM1337355376196
CFO 3Y Avg825275289150

Growth & Margins

ECBKHIFSINDBEBCMedian
NameECB Banc.Hingham .Independ.Eastern . 
Rev Chg LTM35.5%45.8%33.2%104.0%40.6%
Rev Chg 3Y Avg12.5%11.2%8.6%55.3%11.9%
Rev Chg Q46.9%-28.8%42.1%630.3%44.5%
QoQ Delta Rev Chg LTM9.8%-4.9%8.8%46.6%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 LTM34.7%37.7%38.6%35.8%36.8%
CFO/Rev 3Y Avg25.0%32.6%35.3%41.3%34.0%
FCF/Rev LTM34.2%37.5%36.9%33.8%35.5%
FCF/Rev 3Y Avg24.3%31.9%33.1%39.4%32.5%

Valuation

ECBKHIFSINDBEBCMedian
NameECB Banc.Hingham .Independ.Eastern . 
Mkt Cap0.20.64.04.62.3
P/S4.46.34.34.44.4
P/Op Inc-----
P/EBIT-----
P/E16.712.416.612.414.5
P/CFO12.716.711.212.312.5
Total Yield6.0%9.2%8.8%10.5%9.0%
Dividend Yield0.0%1.1%2.7%2.4%1.8%
FCF Yield 3Y Avg6.0%4.8%9.2%8.4%7.2%
D/E1.62.30.20.10.9
Net D/E0.81.6-0.10.10.4

Returns

ECBKHIFSINDBEBCMedian
NameECB Banc.Hingham .Independ.Eastern . 
1M Rtn9.2%0.2%3.3%5.3%4.3%
3M Rtn19.4%4.0%8.3%9.7%9.0%
6M Rtn16.2%-2.0%7.2%12.2%9.7%
12M Rtn30.7%28.9%38.0%49.1%34.3%
3Y Rtn53.9%46.3%98.9%96.1%75.0%
1M Excs Rtn10.1%2.9%2.6%4.8%3.8%
3M Excs Rtn10.8%-9.6%-4.9%-3.2%-4.1%
6M Excs Rtn3.9%-9.4%-3.3%-0.3%-1.8%
12M Excs Rtn7.4%3.1%12.6%24.1%10.0%
3Y Excs Rtn-19.2%-35.7%15.3%6.1%-6.6%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment3326262520
Total3326262520


Price Behavior

Price Behavior
Market Price$20.01 
Market Cap ($ Bil)0.2 
First Trading Date07/28/2022 
Distance from 52W High-1.5% 
   50 Days200 Days
DMA Price$18.45$17.22
DMA Trendupup
Distance from DMA8.5%16.2%
 3M1YR
Volatility26.7%24.9%
Downside Capture-0.7228.70
Upside Capture60.8252.09
Correlation (SPY)23.9%22.0%
ECBK Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta1.030.910.820.560.430.41
Up Beta0.861.331.201.041.060.55
Down Beta2.651.800.700.280.160.29
Up Capture55%52%65%41%23%15%
Bmk +ve Days13283667141432
Stock +ve Days12233263128365
Down Capture101%42%74%51%32%60%
Bmk -ve Days7132757109318
Stock -ve Days8183155113345

[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
ECBK29.5%24.8%1.00-
Sector ETF (XLF)8.6%14.6%0.3524.7%
Equity (SPY)26.1%12.4%1.5922.7%
Gold (GLD)24.1%27.5%0.771.8%
Commodities (DBC)18.5%18.8%0.77-18.8%
Real Estate (VNQ)11.8%13.8%0.5725.9%
Bitcoin (BTCUSD)-40.2%42.5%-1.0910.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with ECBK
ECBK7.1%25.3%0.32-
Sector ETF (XLF)9.5%18.6%0.3929.5%
Equity (SPY)13.4%17.1%0.6124.5%
Gold (GLD)17.1%18.3%0.762.3%
Commodities (DBC)7.5%19.4%0.284.9%
Real Estate (VNQ)2.1%18.9%0.0122.5%
Bitcoin (BTCUSD)9.4%54.1%0.3710.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with ECBK
ECBK3.5%25.3%0.32-
Sector ETF (XLF)13.2%22.2%0.5429.5%
Equity (SPY)15.4%18.0%0.7324.5%
Gold (GLD)12.2%16.1%0.622.3%
Commodities (DBC)6.0%18.0%0.264.9%
Real Estate (VNQ)5.4%20.7%0.2322.5%
Bitcoin (BTCUSD)59.9%66.8%1.0010.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.2 Mil
Short Interest: % Change Since 5152026-4.4%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest18.5 days
Basic Shares Quantity8.0 Mil
Short % of Basic Shares1.9%

Earnings Returns History

Updated 6/3/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20260.1%-1.6%0.4%
2/5/20260.2%-0.3%-6.1%
10/22/20251.1%-4.8%8.6%
7/24/2025-0.8%-1.6%3.0%
4/24/20250.2%-2.5%-1.6%
2/5/20250.9%2.0%8.2%
10/24/2024-0.1%-1.5%-0.1%
7/25/20240.9%3.3%-1.6%
...
SUMMARY STATS   
# Positive845
# Negative487
Median Positive0.6%2.6%8.2%
Median Negative-0.7%-1.6%-1.6%
Max Positive2.4%4.5%13.8%
Max Negative-1.5%-7.5%-6.1%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20260.1%-1.6%0.4%
2/5/20260.2%-0.3%-6.1%
10/22/20251.1%-4.8%8.6%
7/24/2025-0.8%-1.6%3.0%
4/24/20250.2%-2.5%-1.6%
2/5/20250.9%2.0%8.2%
10/24/2024-0.1%-1.5%-0.1%
7/25/20240.9%3.3%-1.6%
4/25/2024-1.5%-7.5%-0.5%
2/15/20240.3%-0.7%-0.9%
10/26/2023-0.6%4.5%13.8%
7/27/20232.4%1.8%-2.1%
SUMMARY STATS   
# Positive845
# Negative487
Median Positive0.6%2.6%8.2%
Median Negative-0.7%-1.6%-1.6%
Max Positive2.4%4.5%13.8%
Max Negative-1.5%-7.5%-6.1%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/08/202610-Q
12/31/202503/25/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/26/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/10/202410-Q
12/31/202303/29/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/30/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
Collapse to Preview
Report DateFiling DateFiling
03/31/202605/08/202610-Q
12/31/202503/25/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/26/202510-K
09/30/202411/08/202410-Q
06/30/202408/09/202410-Q
03/31/202405/10/202410-Q
12/31/202303/29/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/30/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
12/31/202105/20/2022424B3

Insider Activity

Updated 5/1/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Lavertu, BrandonCFODirectBuy501202617.8940716580,047Form
2Sullivan, Maura Ellen SpouseBuy209202618.502,20040,700105,450Form
3Sullivan, Maura Ellen SpouseBuy1209202516.985639,55859,420Form
4Sullivan, Maura Ellen SpouseBuy1209202516.832,93749,41849,418Form
5O'Neil, Richard J JRPresident and CEOIRABuy918202515.851,25019,812433,577Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Lavertu, BrandonCFODirectBuy501202617.8940716580,047Form
2Sullivan, Maura Ellen SpouseBuy209202618.502,20040,700105,450Form
3Sullivan, Maura Ellen SpouseBuy1209202516.985639,55859,420Form
4Sullivan, Maura Ellen SpouseBuy1209202516.832,93749,41849,418Form
5O'Neil, Richard J JRPresident and CEOIRABuy918202515.851,25019,812433,577Form
Core Cache Last Updated: 6/22/2026