ECB Bancorp, Inc.
ECB Bancorp, Inc. Fundamental Analysis
ECB Bancorp, Inc. (ECBK) shows moderate financial fundamentals with a PE ratio of 18.41, profit margin of 9.78%, and ROE of 4.59%. The company generates $0.1B in annual revenue with strong year-over-year growth of 22.29%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.7/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ECBK's fundamental strength across five key dimensions:
Efficiency Score
WeakECBK struggles to generate sufficient returns from assets.
Valuation Score
ExcellentECBK trades at attractive valuation levels.
Growth Score
ModerateECBK shows steady but slowing expansion.
Financial Health Score
ModerateECBK shows balanced financial health with some risks.
Profitability Score
WeakECBK struggles to sustain strong margins.
Key Financial Metrics
Is ECBK Expensive or Cheap?
P/E Ratio
ECBK trades at 18.41 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, ECBK's PEG of 1.08 indicates fair valuation.
Price to Book
The market values ECB Bancorp, Inc. at 0.83 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -11.58 times EBITDA. This is generally considered low.
How Well Does ECBK Make Money?
Net Profit Margin
For every $100 in sales, ECB Bancorp, Inc. keeps $9.78 as profit after all expenses.
Operating Margin
Core operations generate 13.05 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.59 in profit for every $100 of shareholder equity.
ROA
ECB Bancorp, Inc. generates $0.48 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
ECB Bancorp, Inc. produces operating cash flow of $10.12M, showing steady but balanced cash generation.
Free Cash Flow
ECB Bancorp, Inc. generates strong free cash flow of $9.89M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.12 in free cash annually.
FCF Yield
ECBK converts 5.76% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.41
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.98
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.66
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.13
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How ECBK Stacks Against Its Sector Peers
| Metric | ECBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.41 | 19.02 | Neutral |
| ROE | 4.59% | 821.00% | Weak |
| Net Margin | 9.78% | 2043.00% | Weak |
| Debt/Equity | 1.66 | 1.03 | Weak (High Leverage) |
| Current Ratio | 1.13 | 661.52 | Neutral |
| ROA | 0.48% | -23813.00% (disorted) | Weak |
ECBK outperforms its industry in 0 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews ECB Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
344.23%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
21.66%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
83.76%
Industry Style: Value, Dividend, Cyclical
High Growth