Stocktoria
ECB Bancorp, Inc. /MD/ ECBK
Nasdaq · XNAS · stock · Savings Institutions, Not Federally Chartered · website · IPO 2022-07-28
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $598,000 | $577,000 | — | — | — |
| Net income | $7.8M | $4.0M | $4.5M | $2.7M | $4.0M |
| Operating cash flow | $9.2M | $6.2M | $6.4M | $7.8M | $6.4M |
| Free cash flow | $9.0M | $6.2M | $6.1M | $7.6M | $6.3M |
| Total assets | $1.6B | $1.4B | $1.3B | $1.1B | $666.5M |
| Total liabilities | $1.4B | $1.2B | $1.1B | $901.7M | $589.2M |
| Shareholders' equity | $171.9M | $168.3M | $164.9M | $162.7M | $77.3M |
| Ratios | |||||
| Net margin | 1299.7% | 691.7% | — | — | — |
| FCF margin | 1506.0% | 1069.0% | — | — | — |
| Return on assets | 0.5% | 0.3% | 0.3% | 0.3% | 0.6% |
| Return on equity | 4.5% | 2.4% | 2.7% | 1.7% | 5.2% |
| Revenue growth | 3.6% | — | — | — | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 87,866 | $1.5M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001914605 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.