ECB Bancorp, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

First National Corp. (Virginia)

ECB Bancorp, Inc.

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CB Financial Services, Inc.

BankFinancial Corp.

Why is ECB Bancorp, Inc. ?

High Management Efficiency with a high ROA of 0.26%

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.26%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 41.89%

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

ROCE(HY) Highest at 0.51%
NII(Q) Highest at USD 9.15 MM
CREDIT DEPOSIT RATIO(HY) Highest at 122.05%

With ROA of 0.46%, it has a attractive valuation with a 0.87 Price to Book Value

Over the past year, while the stock has generated a return of 4.87%, its profits have risen by 94.7% ; the PEG ratio of the company is 0.2

High Institutional Holdings at 33.29%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How 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.

4.87%

1.21

24.64%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

38.94%

EBIT Growth (5y)

46.98%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

33.29%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.87

EV to EBIT

32.29

EV to EBITDA

31.59

EV to Capital Employed

0.94

EV to Sales

4.19

PEG Ratio

0.19

Dividend Yield

ROCE (Latest)

2.90%

ROE (Latest)

4.52%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Sideways

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

ROCE(HY)

Highest at 0.51%

NII(Q)

Highest at USD 9.15 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 122.05%

NET SALES(Q)

Highest at USD 21.04 MM

OPERATING PROFIT(Q)

Highest at USD 3.49 MM

OPERATING PROFIT MARGIN(Q)

Highest at 16.58 %

PRE-TAX PROFIT(Q)

Highest at USD 3.49 MM

NET PROFIT(Q)

Highest at USD 2.6 MM

EPS(Q)

Highest at USD 0.31

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 5.19 MM

ROCE(HY)

Lowest at 0.51%

Here's what is working for ECB Bancorp, Inc.

NII

Highest at USD 9.15 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 21.04 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 3.49 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 16.58 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 3.49 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 3.49 MM has Grown at 79.79%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 2.6 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 2.6 MM has Grown at 79.47%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.31

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 122.05%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for ECB Bancorp, Inc.

Operating Cash Flow

Lowest at USD 5.19 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Capital Adequacy Ratio

Lowest at 13.34%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)