What is ECB Bancorp, Inc.'s unallocated ESOP shares?

ECB Bancorp, Inc. (ECBK) reported unallocated ESOP shares of $5.78M in Q1 2026.

What does unallocated ESOP shares mean?

This represents shares held by an Employee Stock Ownership Plan that have not yet been allocated to individual employee accounts. These shares are typically held as a contra-equity account and are released to employees over time as part of their compensation package. Tracking this balance is essential for understanding potential future dilution and the bank's long-term employee incentive structure.

ECB Bancorp, Inc. ECBK Unallocated ESOP Shares

Unallocated ESOP Shares at other companies

OceanFirst FinancialOCFC

66K-49.9%

Texas Community Bancshares, Inc.TCBS

248.1M-1.7%

NFB

Northfield BancorpNFBK

$11.52M-10.2%

Greene County BancorpGCBC

0—

Kearny FinancialKRNY

$17.51M-10.0%

First Community CorporationFCCO

503.9M—

Other financials

Income statement

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Revenue$155.0K-97.8%

Net income$3.1M+141%

EPS (diluted)$0.16+129%

Balance sheet

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Cash & equivalents$3.0M-97.9%

Total debt$1.7M+41.1%

Total equity$175.9M+4.4%

Total assets$1.7B+13.6%

Cash flow

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Operating cash flow$2.8M+545%

CapEx$4.0K-77.8%

Free cash flow$2.8M+532%

Valuation

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Market cap$175.78M+29.1%

P/E18.3×-7.3×

P/S8.5×+1.4×

Profitability

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Net margin17.3%+0.9pp

FCF margin22.2%+5.5pp

Returns & leverage

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Return on equity5.6%+2.8pp

Debt / equity0×0.0×

Where this comes from

Reported directly by ECB Bancorp, Inc. in its filing.

Tagged under the XBRL concept ecbk:UnallocatedESOPShares.

The official record: ECB Bancorp, Inc.’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ECB Bancorp, Inc.'s unallocated ESOP shares?: ECB Bancorp, Inc. (ECBK) reported unallocated ESOP shares of $5.78M in Q1 2026.
What does unallocated ESOP shares mean?: This represents shares held by an Employee Stock Ownership Plan that have not yet been allocated to individual employee accounts. These shares are typically held as a contra-equity account and are released to employees over time as part of their compensation package. Tracking this balance is essential for understanding potential future dilution and the bank's long-term employee incentive structure.