ECB Bancorp Financials
| ECBK Stock | USD 12.50 0.28 2.29% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Net Profit Margin | 0.0758 | 0.0798 |
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| Return On Assets | 0.0056 | 0.0035 |
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| Return On Equity | 0.0447 | 0.027 |
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| Debt Equity Ratio | 1.49 | 1.4202 |
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| Operating Income | 51.9 M | 49.4 M |
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| Current Ratio | 0.15 | 0.2482 |
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The financial analysis of ECB Bancorp is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for ECB Bancorp includes many different criteria found on its balance sheet. For example, investors should never minimize ECB Bancorp's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor ECB Bancorp's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in ECB Bancorp.
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With this module, you can analyze ECB financials for your investing period. You should be able to track the changes in ECB Bancorp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
ECB | Select Account or Indicator |
Understanding current and past ECB Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ECB Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in ECB Bancorp's assets may result in an increase in income on the income statement.
The data published in ECB Bancorp's official financial statements usually reflect ECB Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of ECB Bancorp. For example, before you start analyzing numbers published by ECB accountants, it's critical to develop an understanding of what ECB Bancorp's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of ECB Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, ECB Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in ECB Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of ECB Bancorp. Please utilize our Beneish M Score to check the likelihood of ECB Bancorp's management manipulating its earnings.
ECB Bancorp Stock Summary
ECB Bancorp competes with HMN Financial, Lake Shore, and Rhinebeck Bancorp. ECB Bancorp, Inc. focuses on operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company was founded in 1890 and is based in Everett, Massachusetts. ECB Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 54 people.Specialization | Financial Services, Banks - Regional |
| Instrument | USA Stock View All |
| Exchange | NASDAQ Exchange |
| CUSIP | 26828M106 |
| Location | Massachusetts; U.S.A |
| Business Address | 419 Broadway, Everett, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | NYSE Composite |
| Website | www.everettbank.com |
| Phone | 617 387 1110 |
| Currency | USD - US Dollar |
You should never invest in ECB Bancorp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of ECB Stock, because this is throwing your money away. Analyzing the key information contained in ECB Bancorp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
ECB Bancorp Key Financial Ratios
Generally speaking, ECB Bancorp's financial ratios allow both analysts and investors to convert raw data from ECB Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of ECB Bancorp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that ECB Bancorp reports annually and quarterly.| Return On Equity | 0.0272 | ||||
| Profit Margin | 0.18 % | ||||
| Operating Margin | 0.20 % |
ECB Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining ECB Bancorp's current stock value. Our valuation model uses many indicators to compare ECB Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ECB Bancorp competition to find correlations between indicators driving ECB Bancorp's intrinsic value. More Info.ECB Bancorp is rated # 4 in return on equity category among related companies. It is rated # 3 in return on asset category among related companies reporting about 0.14 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ECB Bancorp is roughly 7.16 . At this time, ECB Bancorp's Return On Equity is quite stable compared to the past year.Comparative valuation analysis is a catch-all model that can be used if you cannot value ECB Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for ECB Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the ECB Bancorp's earnings, one of the primary drivers of an investment's value.ECB Bancorp Systematic Risk
ECB Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ECB Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on ECB Bancorp correlated with the market. If Beta is less than 0 ECB Bancorp generally moves in the opposite direction as compared to the market. If ECB Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ECB Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ECB Bancorp is generally in the same direction as the market. If Beta > 1 ECB Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
About ECB Bancorp Financials
What exactly are ECB Bancorp Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include ECB Bancorp's income statement, its balance sheet, and the statement of cash flows. Potential ECB Bancorp investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although ECB Bancorp investors may use each financial statement separately, they are all related. The changes in ECB Bancorp's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on ECB Bancorp's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Steps to analyze ECB Bancorp Financials for Investing
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as ECB Bancorp is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of ECB has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it. In summary, you can determine if ECB Bancorp's financials are consistent with your investment objective using the following steps:- Review ECB Bancorp's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
- Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
- Study the cash flow inflows and outflows to understand ECB Bancorp's liquidity and solvency.
- Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
- Compare ECB Bancorp's financials to those of its peers to see how it stacks up and identify any potential red flags.
- Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if ECB Bancorp's stock is overvalued or undervalued.
ECB Bancorp Thematic Clasifications
ECB Bancorp is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
| Banking | View |
Today, most investors in ECB Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ECB Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ECB Bancorp growth as a starting point in their analysis.
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ECB Bancorp April 23, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of ECB Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ECB Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of ECB Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing ECB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ECB Bancorp's daily price indicators and compare them against related drivers.
| Information Ratio | (0.15) | |||
| Maximum Drawdown | 5.5 | |||
| Value At Risk | (1.84) | |||
| Potential Upside | 1.57 |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in ECB Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more information on how to buy ECB Stock please use our How to buy in ECB Stock guide.Note that the ECB Bancorp information on this page should be used as a complementary analysis to other ECB Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Volatility module to check portfolio volatility and analyze historical return density to properly model market risk.
Complementary Tools for ECB Stock analysis
When running ECB Bancorp's price analysis, check to measure ECB Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ECB Bancorp is operating at the current time. Most of ECB Bancorp's value examination focuses on studying past and present price action to predict the probability of ECB Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ECB Bancorp's price. Additionally, you may evaluate how the addition of ECB Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is ECB Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ECB Bancorp. If investors know ECB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ECB Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.15) | Earnings Share 0.52 | Revenue Per Share 2.958 | Quarterly Revenue Growth 0.032 | Return On Assets 0.0038 |
The market value of ECB Bancorp is measured differently than its book value, which is the value of ECB that is recorded on the company's balance sheet. Investors also form their own opinion of ECB Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ECB Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ECB Bancorp's market value can be influenced by many factors that don't directly affect ECB Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ECB Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if ECB Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ECB Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.