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Ecb Bancorp Inc. Quality Score

ECBK

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Quality55

Business quality is the primary weakness (avg 55/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
16.6x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.12x

1.1x book, reasonable for a financial

Book Value Growth
70/100
7.0%

5–8% BVPS CAGR, steady compounding

Business Quality & Capital Allocation

Share Dilution
80/100
-0.1%

Roughly flat, no meaningful dilution

Return on Equity
60/100
6.3%

5–10%, adequate but not exceptional

Capital Adequacy
80/100
10.8%

10.8% equity/assets, comfortable cushion

Margin Trend
0/100
-1820.7pp

Net margin compressed >2pp, profitability pressure

Ecb Bancorp (ECBK) quality: score, margins and returns

Ecb Bancorp (ECBK) scores 55/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Ecb Bancorp (ECBK) a high-quality business?+

Ecb Bancorp scores 55 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Ecb Bancorp's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from ECBK's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Ecb Bancorp scores well and where it falls behind.

How profitable is Ecb Bancorp?+

Ecb Bancorp runs a net margin of about -830.3%. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 6 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 18 Sept 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

ECBK is in 2 US ETFs. The largest of them, with ECBK's weight in each:

Spot a number that looks wrong? Check it in ECBK's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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