βHigh-growth profile β revenue up +26.5% YoY with expanding US Equity exposure.
βHealthy economics β 48% gross margin and 24% free-cash-flow margin.
βNew products and segments could unlock additional revenue streams.
β οΈ Key Risks
Execution delays, intensifying competition, and valuation compression if growth decelerates.
ECB BANCORP INC
ECBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$80Mβ² +16.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
39.9%β² +4.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isnβt profitable yet.
$10Mβ² +93.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$9Mβ² +44.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing ownerβs slice.
8.3MβΌ β1.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
β$190MβΌ β$114M YoY
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About ECB BANCORP INC
ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options. Its lending portfolio encompasses diverse loans such as those for one-to-four family residential properties, commercial and multi-family real estate, construction and land development, general commercial purposes, and consumer needs, alongside home equity loans and lines of credit. Additionally, the company makes strategic investments in securities, primarily consisting of obligations issued by the U.S. government and federal agencies, mortgage-backed instruments, and corporate bonds. It conducts its operations through two full-service banking branches located in Everett and Lynnfield, Massachusetts. The company was founded in 1890 and maintains its headquarters in Everett, Massachusetts.
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Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)