Is ECB Bancorp, Inc. overvalued or undervalued?

As of 28 November 2025, the valuation grade for ECB Bancorp, Inc. has moved from very attractive to attractive. The company appears to be overvalued 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. In comparison, LINKBANCORP, Inc. shows a significantly lower P/E of 7.1852, while FinWise Bancorp has a P/E of 20.4928, indicating that ECB Bancorp is trading at a premium relative to its peers.
In terms of recent performance, ECB Bancorp has outperformed the S&P 500 on a year-to-date basis with a return of 17.25% compared to 16.45%. However, over a three-year period, it has significantly lagged behind the S&P 500, returning only 3.88% versus 72.78%. This mixed performance further supports the conclusion that the stock is overvalued given its current ratios and peer comparisons.