ECB Bancorp Net Income
| ECBK Stock | USD 18.10 0.01 0.06% |
As of the 16th of February 2026, ECB Bancorp owns the Downside Deviation of 0.9891, market risk adjusted performance of (0.22), and Coefficient Of Variation of 1415.02. ECB Bancorp technical analysis allows you to utilize past data patterns in order to determine a pattern that computes the direction of the entity's future prices.
Analyzing historical trends in various income statement and balance sheet accounts from ECB Bancorp's financial statements helps investors evaluate the company's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting ECB Bancorp's valuation are summarized below:ECB Bancorp does not at this time have any fundamental measures for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ECB Bancorp. Projected growth potential of ECB fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive ECB Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
ECB Bancorp's market price often diverges from its book value, the accounting figure shown on ECB's balance sheet. Smart investors calculate ECB Bancorp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since ECB Bancorp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between ECB Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding ECB Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, ECB Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
ECB Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to ECB Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of ECB Bancorp.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in ECB Bancorp on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding ECB Bancorp or generate 0.0% return on investment in ECB Bancorp over 90 days. ECB Bancorp is related to or competes with Finward Bancorp, First Capital, Landmark Bancorp, CF Bankshares, Hanover Bancorp, Mainstreet Bank, and Citizens Community. ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking ... More
ECB Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure ECB Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess ECB Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.9891 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 3.91 | |||
| Value At Risk | (1.03) | |||
| Potential Upside | 1.32 |
ECB Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for ECB Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as ECB Bancorp's standard deviation. In reality, there are many statistical measures that can use ECB Bancorp historical prices to predict the future ECB Bancorp's volatility.| Risk Adjusted Performance | 0.057 | |||
| Jensen Alpha | 0.059 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | (0.23) |
ECB Bancorp February 16, 2026 Technical Indicators
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| Risk Adjusted Performance | 0.057 | |||
| Market Risk Adjusted Performance | (0.22) | |||
| Mean Deviation | 0.571 | |||
| Semi Deviation | 0.7849 | |||
| Downside Deviation | 0.9891 | |||
| Coefficient Of Variation | 1415.02 | |||
| Standard Deviation | 0.8023 | |||
| Variance | 0.6436 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | 0.059 | |||
| Total Risk Alpha | (0.01) | |||
| Sortino Ratio | (0.01) | |||
| Treynor Ratio | (0.23) | |||
| Maximum Drawdown | 3.91 | |||
| Value At Risk | (1.03) | |||
| Potential Upside | 1.32 | |||
| Downside Variance | 0.9782 | |||
| Semi Variance | 0.6161 | |||
| Expected Short fall | (0.59) | |||
| Skewness | (0.37) | |||
| Kurtosis | 1.28 |
ECB Bancorp Backtested Returns
As of now, ECB Stock is very steady. ECB Bancorp retains Efficiency (Sharpe Ratio) of 0.0707, which denotes the company had a 0.0707 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for ECB Bancorp, which you can use to evaluate the volatility of the entity. Please confirm ECB Bancorp's Market Risk Adjusted Performance of (0.22), coefficient of variation of 1415.02, and Downside Deviation of 0.9891 to check if the risk estimate we provide is consistent with the expected return of 0.0567%. ECB Bancorp has a performance score of 5 on a scale of 0 to 100. The firm owns a Beta (Systematic Risk) of -0.21, which means not very significant fluctuations relative to the market. As returns on the market increase, returns on owning ECB Bancorp are expected to decrease at a much lower rate. During the bear market, ECB Bancorp is likely to outperform the market. ECB Bancorp at this moment owns a risk of 0.8%. Please confirm ECB Bancorp sortino ratio, semi variance, and the relationship between the standard deviation and value at risk , to decide if ECB Bancorp will be following its current price history.
Auto-correlation | 0.22 |
Weak predictability
ECB Bancorp has weak predictability. Overlapping area represents the amount of predictability between ECB Bancorp time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of ECB Bancorp price movement. The serial correlation of 0.22 indicates that over 22.0% of current ECB Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.22 | |
| Spearman Rank Test | -0.03 | |
| Residual Average | 0.0 | |
| Price Variance | 0.17 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, ECB Bancorp reported net income of 3.99 M. This is 99.69% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.3% higher than that of the company.
ECB Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses ECB Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of ECB Bancorp could also be used in its relative valuation, which is a method of valuing ECB Bancorp by comparing valuation metrics of similar companies.ECB Bancorp is currently under evaluation in net income category among its peers.
ECB Fundamentals
| Return On Equity | 0.0457 | ||||
| Return On Asset | 0.0051 | ||||
| Profit Margin | 0.25 % | ||||
| Operating Margin | 0.40 % | ||||
| Current Valuation | 349.04 M | ||||
| Shares Outstanding | 8.79 M | ||||
| Shares Owned By Insiders | 16.17 % | ||||
| Shares Owned By Institutions | 30.53 % | ||||
| Number Of Shares Shorted | 190.4 K | ||||
| Price To Earning | 87.79 X | ||||
| Price To Book | 0.93 X | ||||
| Price To Sales | 5.02 X | ||||
| Revenue | 78.18 M | ||||
| Gross Profit | 31.71 M | ||||
| EBITDA | 10.38 M | ||||
| Net Income | 3.99 M | ||||
| Cash And Equivalents | 34.51 M | ||||
| Cash Per Share | 3.76 X | ||||
| Total Debt | 284.81 M | ||||
| Book Value Per Share | 19.55 X | ||||
| Cash Flow From Operations | 6.3 M | ||||
| Short Ratio | 22.86 X | ||||
| Earnings Per Share | 0.94 X | ||||
| Number Of Employees | 64 | ||||
| Beta | 0.45 | ||||
| Market Capitalization | 159.22 M | ||||
| Total Asset | 1.61 B | ||||
| Retained Earnings | 95.62 M | ||||
| Net Asset | 1.61 B |
About ECB Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze ECB Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of ECB Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of ECB Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ECB Bancorp. Projected growth potential of ECB fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive ECB Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
ECB Bancorp's market price often diverges from its book value, the accounting figure shown on ECB's balance sheet. Smart investors calculate ECB Bancorp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since ECB Bancorp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between ECB Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding ECB Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, ECB Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.