Stocktoria
ECB Bancorp, Inc. /MD/ ECBK
ECB Bancorp, Inc. /MD/ (ECBK) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $598,000 at a 1299.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- 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
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
All Finance, Insurance & Real Estate companies →
About ECB Bancorp, Inc. /MD/
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is headquartered in Everett, Massachusetts.
FAQ
Is ECBK financially healthy?
ECB Bancorp, Inc. /MD/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does ECBK pay a dividend?
No, ECB Bancorp, Inc. /MD/ does not currently pay a dividend.
How profitable is ECBK?
In FY2025, ECB Bancorp, Inc. /MD/ had a net margin of 1299.7% and a return on equity of 4.5%.
Is ECBK overvalued or undervalued?
ECB Bancorp, Inc. /MD/ trades at about 22.1× trailing earnings — below its 10-year norm (10-year range 18.8×–49.2×, median 28.1×). Stocktoria reports the data, not buy/sell advice.
Is ECBK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ECB Bancorp, Inc. /MD/: a Piotroski F-score of 5/9, a P/E of about 22.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.