ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is ECB Bancorp, Inc. ?
1
High Management Efficiency with a high ROA of 0.26%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.26%
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 24.15%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- NII(Q) Highest at USD 7.66 MM
- NET SALES(Q) Highest at USD 19.1 MM
- PRE-TAX PROFIT(Q) At USD 1.92 MM has Grown at 80.15%
5
With ROA of 0.30%, it has a fair valuation with a 0.85 Price to Book Value
- Over the past year, while the stock has generated a return of 17.81%, its profits have risen by 11.7% ; the PEG ratio of the company is 2
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to ECB Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ECB Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
ECB Bancorp, Inc.
10.89%
1.50
27.84%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
82.94%
EBIT Growth (5y)
25.44%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
32.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
31
Industry P/E
Price to Book Value
0.85
EV to EBIT
36.77
EV to EBITDA
35.00
EV to Capital Employed
0.90
EV to Sales
3.18
PEG Ratio
2.04
Dividend Yield
NA
ROCE (Latest)
2.44%
ROE (Latest)
2.77%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at USD 7.66 MM
NET SALES(Q)
Highest at USD 19.1 MM
PRE-TAX PROFIT(Q)
At USD 1.92 MM has Grown at 80.15%
NET PROFIT(Q)
At USD 1.44 MM has Grown at 82.05%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for ECB Bancorp, Inc.
NII
Highest at USD 7.66 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 19.1 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 1.92 MM has Grown at 80.15%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 1.44 MM has Grown at 82.05%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for ECB Bancorp, Inc.
Capital Adequacy Ratio
Lowest at 13.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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