Valuation, from the filing
| Public float | $112.60M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $12.83 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 14.5× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 188.3× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.7× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
How this compares in its industry
Percentile among the Savings Institutions, Not Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 25.1% | 81th | |
| Revenue YoY growth | 3.6% | 43th |
ECB Bancorp, Inc. /MD/ (ECBK) reported revenue of $598.00K and net income of $7.77M for the fiscal year ended 2025-12-31. This page shows 2 annual periods of income statement, balance sheet and cash flow figures normalized from ECB Bancorp, Inc. /MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Revenue | $598.00K | $577.00K |
| Cost of revenue | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable |
| Net income | $7.77M | $3.99M |
| Research & development | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 8.31M | shares 8.35M |
| Pretax income | $10.38M | $5.37M |
| Income tax expense | $2.61M | $1.38M |
| Diluted EPS | $0.94 | $0.48 |
| Selling, general & administrative | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Cash & equivalents | Unavailable | Unavailable |
| Total assets | $1.61B | $1.42B |
| Current assets | Unavailable | Unavailable |
| Total liabilities | $1.43B | $1.25B |
| Current liabilities | Unavailable | Unavailable |
| Total equity incl. NCI | $171.93M | $168.27M |
| Temporary (mezzanine) equity | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable |
| Long-term debt | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Operating cash flow | $9.22M | $6.23M |
| Capital expenditures | $214.00K | $60.00K |
| Investing cash flow | -$259.90M | -$95.29M |
| Financing cash flow | $179.99M | $127.64M |
| Net change in cash | -$70.70M | $38.58M |
| Stock-based compensation | $1.23M | $1.31M |
| Common dividends paid | Unavailable | Unavailable |
| Common share repurchases | $4.61M | $2.72M |
| Depreciation & amortization | $297.00K | $302.00K |
Derived
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Free cash flow | $9.01M | $6.17M |
| Gross margin | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable |
| FCF margin | 1506.0% | 1069.0% |
| SBC / revenue | 206.2% | 226.3% |
| Current ratio | Unavailable | Unavailable |
| Revenue YoY growth | 3.6% | Unavailable |
| Net margin | 1299.7% | 691.7% |
| R&D / revenue | Unavailable | Unavailable |
| CapEx / revenue | 35.8% | 10.4% |
| Long-term debt / equity | Unavailable | Unavailable |
| Effective tax rate | 25.1% | 25.7% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open ECBK in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.