ECB Bancorp (ECBK) Income Statement

ECB Bancorp reported revenue of $33.24M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 51.3% from $68.27M a year earlier. Net income was $7.77M, up 94.7% year over year, a net margin of 23.4%. Gross margin was 95.4% and operating margin 31.2%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $10.89M, down 47.5% from the same quarter a year earlier.

ECB Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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ECB Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Revenue & Gross Profit
Revenue	33.24	68.27	25.84	25.04	23.60	22.77
Cost of Revenue	47.80	42.23	30.79	8.46	4.04	5.93
Gross Profit	31.71	26.04	25.04	22.10	19.56	16.84
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	15.51	15.20	13.85	11.33	10.83	7.03
Operating Expenses	21.33	20.67	19.05	18.61	14.09	10.31
Operating Income	10.38	5.37	5.99	3.50	5.47	6.53
Other Income/Expense
Interest Income	78.18	67.05	54.78	29.16	22.38	21.49
Interest Expense	46.26	42.06	29.99	5.52	3.68	5.64
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	10.38	5.37	5.99	3.50	5.47	6.53
Income Tax Expense	2.61	1.38	1.53	0.78	1.43	1.67
Net Income	7.77	3.99	4.46	2.72	4.04	4.86
Net Income - Continuous Operations	7.77	3.99	4.46	2.72	4.04	4.86
Net Income - Discontinued Operations	-	-	-	-	-	-
EBITDA	0.30	5.67	0.28	3.80	5.77	6.88
EBIT	-	-	-	-	-	-
Depreciation & Amortization	0.30	0.30	0.28	0.30	0.30	0.35
Earnings Per Share
Basic EPS	1.00	-	1.00	-	-	-
Diluted EPS	1.00	-	1.00	-	-	-
Basic Shares Outstanding	8.10	8.26	8.47	8.46	12.23	12.23
Diluted Shares Outstanding	8.31	8.35	8.52	8.46	12.23	12.23

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About ECB Bancorp Financial Statements

What was ECB Bancorp's revenue in fiscal 2025?

ECB Bancorp reported revenue of $33.24M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 51.3% from $68.27M a year earlier.

Is ECB Bancorp profitable?

Yes. ECB Bancorp earned net income of $7.77M in fiscal 2025, a net margin of 23.4%. In fiscal 2024 it earned $3.99M.

What is ECB Bancorp's operating margin?

ECB Bancorp's operating income was $10.38M on revenue of $33.24M in fiscal 2025, an operating margin of 31.2%, compared with 7.9% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition