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In this Annual Report the terms we, our, and us refer to ECB Bancorp, Inc. and Everett Co-operative Bank, unless the context indicates another meaning. In addition, we sometimes refer to ECB Bancorp, Inc. as ECB Bancorp, and to Everett Co-operative Bank as the Bank. 2 Table of Contents BUSINESS OF ECB BANCORP ECB Bancorp (sometimes herein, the Company ) is a Maryland corporation that was incorp…
Revenue declined 332.3% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (FY)
-$936K
▼ -332.3% YoY
Net Income (TTM)
$10M
▲ +94.7% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$1.65B
Equity
$176M
Total Debt
$0.00
Cash & Equiv.
N/A
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