ECB Bancorp, Inc.ECBKEarnings & Financial Report
ECB Bancorp, Inc. (MD) is a US-based bank holding company. It offers a full suite of retail and commercial banking products including deposit accounts, consumer loans, commercial financing and wealth management solutions, primarily serving individuals and small-to-mid enterprises across local markets in Maryland.
ECBK Q4 FY2025 Key Financial Metrics
Revenue
$9.5M
Gross Profit
N/A
Operating Profit
$3.5M
Net Profit
$2.6M
Gross Margin
N/A
Operating Margin
36.7%
Net Margin
27.3%
YoY Growth
33.8%
EPS
$0.32
ECB Bancorp, Inc. Q4 FY2025 Financial Summary
ECB Bancorp, Inc. reported revenue of $9.5M (up 33.8% YoY) for Q4 FY2025, with a net profit of $2.6M (up 79.5% YoY) (27.3% margin).
Key Financial Metrics
| Total Revenue | $9.5M |
|---|---|
| Net Profit | $2.6M |
| Gross Margin | N/A |
| Operating Margin | 36.7% |
| Report Period | Q4 FY2025 |
ECB Bancorp, Inc. Annual Revenue by Year
ECB Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $33.2M).
ECB Bancorp, Inc. Quarterly Revenue & Net Profit History
ECB Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $9.5M | +33.8% | $2.6M | 27.3% |
| Q3 FY2025 | $8.8M | +33.4% | $2.4M | 27.7% |
| Q2 FY2025 | $8.0M | +27.2% | $1.4M | 18.0% |
| Q1 FY2025 | $6.9M | +11.4% | $1.3M | 18.7% |
| Q4 FY2024 | $7.1M | +14.6% | $1.4M | 20.3% |
| Q3 FY2024 | $6.6M | +2.9% | $1.1M | 17.2% |
| Q2 FY2024 | $6.3M | -5.1% | $791.0K | 12.6% |
| Q1 FY2024 | $6.2M | -5.8% | $621.0K | 10.0% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.2M | $6.3M | $6.6M | $7.1M | $6.9M | $8.0M | $8.8M | $9.5M |
| YoY Growth | -5.8% | -5.1% | 2.9% | 14.6% | 11.4% | 27.2% | 33.4% | 33.8% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.30B | $1.34B | $1.36B | $1.42B | $1.45B | $1.52B | $1.55B | $1.61B |
| Liabilities | $1.14B | $1.17B | $1.19B | $1.25B | $1.28B | $1.35B | $1.38B | $1.43B |
| Equity | $165.8M | $166.5M | $166.0M | $168.3M | $168.6M | $168.3M | $169.3M | $171.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-429000 | $1.4M | $861000 | $6.2M | $-631000 | $1.9M | $4.0M | $9.2M |