ECB Bancorp (ECBK) Cash Flow: Operating & Free Cash Flow

ECB Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for ECB Bancorp, Inc. (ECBK) - 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
Operating Activities
Net Income	7.77	3.99	4.46	2.72	4.04	4.86
Depreciation & Amortization	0.30	0.30	0.28	0.30	0.30	0.35
Deferred Income Tax	-0.25	-0.25	-0.11	-1.50	-1.12	-0.43
Stock Based Compensation	1.81	1.80	0.74	0.56	0.00	0.00
Change in Working Capital	-1.41	0.27	0.31	1.10	1.39	0.73
Change in Accounts Receivable	-1.20	-0.25	-1.13	-1.15	0.34	-0.37
Change in Accounts Payable	0.30	-0.02	1.46	0.69	0.00	0.00
Change in Other Working Capital	-0.51	0.74	0.43	2.14	1.05	1.10
Other Operating Activities	0.99	-0.44	-0.88	-1.72	1.84	-0.43
Net Cash from Operating Activities	9.22	6.23	6.43	7.77	6.45	5.08
Investing Activities
Capital Expenditures	-0.21	-0.06	-0.34	-0.22	-0.10	-0.11
Purchases of Investments	-62.77	-15.50	-8.29	-22.63	-26.90	-39.48
Sales/Maturities of Investments	49.94	17.71	8.86	10.43	13.97	24.03
Other Investing Activities	-246.87	-0.11	-2.35	-5.31	-55.18	-40.12
Net Cash from Investing Activities	-259.90	-95.29	-157.29	-389.34	-68.22	-55.68
Financing Activities
Debt Repayment	50.82	-70.00	-80.00	-20.00	-9.00	-4.00
Common Stock Issued	0.00	0.00	0.00	79.25	0.00	0.00
Common Stock Repurchased	-4.61	-2.75	-2.23	0.00	0.00	0.00
Other Financing Activities	133.78	15.00	-55.00	75.00	80.33	67.59
Net Cash from Financing Activities	179.99	127.64	207.84	390.64	71.33	63.59
Summary
Net Change in Cash	-70.70	38.58	56.99	9.08	9.56	12.99
Cash at Beginning of Period	157.62	119.04	62.05	52.98	43.41	30.42
Cash at End of Period	86.92	157.62	119.04	62.05	52.98	43.41
Free Cash Flow	9.01	6.17	6.10	7.55	6.35	4.97
Supplemental Disclosures
Interest Paid	-	42.04	28.53	4.83	3.66	-
Income Taxes Paid	-	1.57	2.26	1.98	2.41	-

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 Cash Flow

What is ECB Bancorp's free cash flow?

ECB Bancorp generated free cash flow of $9.01M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $9.22M minus $214.00K of capital expenditures. That was up 46.0% from $6.17M a year earlier. Free cash flow equaled 27.1% of revenue.

How much does ECB Bancorp spend on capital expenditures?

ECB Bancorp spent $214.00K on capital expenditures in fiscal 2025, compared with $60.00K a year earlier. That equals 2.3% of operating cash flow.

Does ECB Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 ECB Bancorp returned $4.61M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition