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ECB Bancorp, Inc. ECBK Q4 2025 Annual earnings

Reported February 5, 2026 · Before market open

Revenue$21.4M
EPS$0.31

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Net income$2.6M+79.5%

Balance sheet

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Cash & equivalents$4.1M-29.3%
Total debt$1.7M+41.1%
Total equity$171.9M+2.2%
Total assets$1.6B+13.2%

Cash flow

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Operating cash flow$3.9M-10.9%
CapEx$75.0K—
Free cash flow$3.9M-12.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$152.98M+13.1%
Enterprise value$150.55M+15.2%
P/E19.7×-14.2×

Returns & leverage

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Return on equity4.6%+2.2pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$22.4MQ1 2026$21.9M
Q4 2025$21.4M
Q3 2025$20.8MQ2 2025$19.5MQ1 2025$17.9M

Diluted EPS

Q2 2026$0.39Q1 2026$0.38
Q4 2025$0.31
Q3 2025$0.29Q2 2025$0.17Q1 2025$0.16

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Questions, answered.

When did ECB Bancorp, Inc. report Q4 2025 earnings?
ECB Bancorp, Inc. (ECBK) reported Q4 2025 earnings on February 5, 2026 before market open.
What were ECB Bancorp, Inc.'s Q4 2025 revenue and EPS?
ECB Bancorp, Inc. reported revenue of $21.4M and eps of $0.31 for Q4 2025.
How did ECB Bancorp, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.0% from $18.1M a year earlier and eps grew 79.6% from $0.17.
Where can I find ECB Bancorp, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-003106) and the 10-K periodic report (0001437749-26-009778) directly on SEC EDGAR. The filing index links above go to sec.gov.