ECB Bancorp (ECBK) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), ECB Bancorp had a P/E ratio of 19.68 (down from 33.90), return on equity of 4.6% (up from 2.4%), debt-to-equity of 1.68 (up from 1.40) and return on assets of 0.5% (up from 0.3%).

ECB Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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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
Valuation Ratios
P/E Ratio	19.68	33.90	26.46	54.14	-	-
P/S Ratio	4.82	5.20	4.71	6.66	-	-
P/B Ratio	0.89	0.80	0.71	0.91	-	-
Price/Tangible Book	0.89	0.80	0.71	0.91	-	-
Price/FCF	16.99	21.94	19.34	19.50	-	-
Price/OCF	16.59	21.73	18.33	18.95	-	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	4.57%	2.40%	2.72%	2.27%	5.38%	-
Return on Assets (ROA)	0.51%	0.30%	0.38%	0.31%	0.64%	-
Leverage & Solvency Ratios
Debt/Equity	1.68	1.40	1.43	1.07	0.12	0.25
Debt/FCF	31.99	38.16	38.59	23.07	1.42	3.62
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	5.08%	2.95%	3.78%	1.85%	-	-
FCF Yield	5.89%	4.56%	5.17%	5.13%	-	-
Buyback Yield	0.41%	2.09%	-0.80%	-	-	-

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 Ratios

What is ECB Bancorp's P/E ratio?

ECB Bancorp's P/E ratio was 19.68 for fiscal 2025 (period ended Dec 31, 2025). It was 33.90 a year earlier.

What is ECB Bancorp's return on equity?

ECB Bancorp's return on equity (ROE) was 4.6% for fiscal 2025 (period ended Dec 31, 2025). It was 2.4% a year earlier.

What is ECB Bancorp's debt-to-equity ratio?

ECB Bancorp's debt-to-equity ratio was 1.68 for fiscal 2025 (period ended Dec 31, 2025). It was 1.40 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition