Is ECB Bancorp, Inc. overvalued or undervalued?

As of 26 September 2025, the valuation grade for ECB Bancorp, Inc. has moved from attractive to very attractive. The company appears to be undervalued based on its current metrics. Key ratios include a P/E ratio of 31, a Price to Book Value of 0.85, and an EV to EBITDA of 35.00, which suggest that the stock is trading at a discount relative to its earnings potential and book value.
In comparison to peers, LINKBANCORP, Inc. has a P/E ratio of 7.19, while Investar Holding Corp. has a P/E of 9.99, indicating that ECB Bancorp is priced higher than these competitors but may still offer growth potential. Recent stock performance shows that ECB Bancorp has returned 8.29% year-to-date, which lags behind the S&P 500's 12.96% return, suggesting that while the stock is undervalued, it has not kept pace with broader market performance.