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ECB Bancorp, Inc. (ECBK)
NASDAQ:ECBK
US Market
ECBK
ECB Bancorp, Inc.
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ECB Bancorp, Inc. (ECBK) Ratios

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ECB Bancorp, Inc. Ratios

ECBK's free cash flow for Q4 2025 was $0.43. For the 2025 fiscal year, ECBK's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.10 0.18 0.15 0.10
Quick Ratio
 0.00 0.10 0.18 0.15 0.10
Cash Ratio
 0.00 0.08 0.16 0.14 0.09
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 <0.01 <0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -1.47B$ -1.32B$ -1.07B$ -987.63M$ -831.75M
Leverage Ratios
Debt-to-Assets Ratio
 0.16 0.18 0.17 0.18 0.16
Debt-to-Equity Ratio
 1.48 1.66 1.39 1.42 1.07
Debt-to-Capital Ratio
 0.60 0.62 0.58 0.59 0.52
Long-Term Debt-to-Capital Ratio
 0.60 0.62 0.58 0.59 0.52
Financial Leverage Ratio
 9.38 9.34 8.43 7.76 6.54
Debt Service Coverage Ratio
 0.21 0.17 0.10 0.16 0.55
Interest Coverage Ratio
 0.27 0.22 0.13 0.20 0.63
Debt to Market Cap
 1.64 2.02 1.91 2.20 1.28
Interest Debt Per Share
 38.36 40.87 33.43 31.18 21.23
Net Debt to EBITDA
 19.61 18.30 13.45 18.35 29.40
Profitability Margins
Gross Profit Margin
41.63%39.88%38.14%44.85%72.33%
EBIT Margin
15.46%13.05%7.87%10.72%11.44%
EBITDA Margin
15.73%13.05%8.31%11.22%12.43%
Operating Profit Margin
15.46%13.05%7.87%10.72%11.44%
Pretax Profit Margin
15.46%13.05%7.87%10.72%11.44%
Net Profit Margin
11.49%9.78%5.85%7.98%8.90%
Continuous Operations Profit Margin
11.49%9.78%5.85%7.98%8.90%
Net Income Per EBT
74.28%74.88%74.31%74.45%77.80%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.58%0.48%0.28%0.35%0.26%
Return on Equity (ROE)
5.60%4.52%2.37%2.70%1.67%
Return on Capital Employed (ROCE)
0.78%2.19%1.28%1.45%1.01%
Return on Invested Capital (ROIC)
0.58%1.64%0.95%1.08%0.79%
Return on Tangible Assets
0.58%0.48%0.28%0.35%0.26%
Earnings Yield
6.60%5.52%3.26%4.19%2.00%
Efficiency Ratios
Receivables Turnover
 15.68 15.25 17.00 14.82 11.61
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 24.88 23.19 19.44 14.87 8.26
Asset Turnover
 0.05 0.05 0.05 0.04 0.03
Working Capital Turnover Ratio
 -0.16 -0.09 -0.09 -0.08 -0.05
Cash Conversion Cycle
 23.28 23.94 21.47 24.62 31.44
Days of Sales Outstanding
 23.28 23.94 21.47 24.62 31.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 23.28 23.94 21.47 24.62 31.44
Cash Flow Ratios
Operating Cash Flow Per Share
 1.15 1.14 0.76 0.76 0.92
Free Cash Flow Per Share
 1.12 1.11 0.76 0.72 0.89
CapEx Per Share
 0.03 0.03 <0.01 0.04 0.03
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.99 0.95 0.97
Dividend Paid and CapEx Coverage Ratio
 43.08 43.08 104.95 19.21 35.97
Capital Expenditure Coverage Ratio
 43.08 43.08 104.95 19.21 35.97
Operating Cash Flow Coverage Ratio
 0.04 0.03 0.03 0.03 0.04
Operating Cash Flow to Sales Ratio
 0.11 0.12 0.09 0.12 0.25
Free Cash Flow Yield
5.66%6.39%5.09%5.74%5.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.13 18.12 30.70 23.86 49.90
Price-to-Sales (P/S) Ratio
 1.90 1.77 1.79 1.90 4.44
Price-to-Book (P/B) Ratio
 0.83 0.82 0.73 0.64 0.83
Price-to-Free Cash Flow (P/FCF) Ratio
 17.63 15.64 19.65 17.43 17.97
Price-to-Operating Cash Flow Ratio
 15.75 15.28 19.46 16.53 17.47
Price-to-Earnings Growth (PEG) Ratio
 0.14 0.18 -3.25 0.36 -16.47
Price-to-Fair Value
 0.83 0.82 0.73 0.64 0.83
Enterprise Value Multiple
 31.70 31.87 35.05 35.33 65.13
Enterprise Value
 416.84M 330.76M 198.82M 221.30M 247.37M
EV to EBITDA
 31.72 31.87 35.05 35.33 65.13
EV to Sales
 4.99 4.16 2.91 3.96 8.10
EV to Free Cash Flow
 46.28 36.73 31.88 36.28 32.75
EV to Operating Cash Flow
 45.21 35.87 31.57 34.39 31.84
Tangible Book Value Per Share
 21.92 21.23 20.38 19.48 19.24
Shareholders’ Equity Per Share
 21.92 21.23 20.38 19.48 19.24
Tax and Other Ratios
Effective Tax Rate
 0.26 0.25 0.26 0.26 0.22
Revenue Per Share
 10.41 9.82 8.27 6.59 3.61
Net Income Per Share
 1.20 0.96 0.48 0.53 0.32
Tax Burden
 0.74 0.75 0.74 0.74 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.07 0.03 0.22 0.23 0.35
Stock-Based Compensation to Revenue
 0.02 0.02 0.03 0.01 0.02
Income Quality
 1.19 1.19 1.58 1.44 2.86
Currency in USD