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Side-by-side financial comparison of ECB Bancorp, Inc. (ECBK) and Third Coast Bancshares, Inc. (TCBX). Click either name above to swap in a different company.
Third Coast Bancshares, Inc. is the larger business by last-quarter revenue ($57.7M vs $9.2M, roughly 6.3× ECB Bancorp, Inc.). Third Coast Bancshares, Inc. runs the higher net margin — 28.4% vs 28.4%, a 0.0% gap on every dollar of revenue. Over the past eight quarters, ECB Bancorp, Inc.'s revenue compounded faster (24.5% CAGR vs 21.8%).
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.
Third Coast Bancshares, Inc. is a regional financial holding company headquartered in the U.S. Gulf Coast region. It provides a full suite of commercial and retail banking services including deposit products, business and consumer loans, mortgage services, and wealth management solutions, serving local small and medium-sized enterprises, individual consumers, and community clients across Texas and surrounding areas.
ECBK vs TCBX — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $9.2M | $57.7M |
| Net Profit | $2.6M | $16.4M |
| Gross Margin | — | — |
| Operating Margin | 38.1% | — |
| Net Margin | 28.4% | 28.4% |
| Revenue YoY | 35.0% | — |
| Net Profit YoY | 79.5% | 20.5% |
| EPS (diluted) | $0.32 | $0.88 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $57.7M | ||
| Q4 25 | $9.2M | $52.2M | ||
| Q3 25 | $8.5M | $50.8M | ||
| Q2 25 | $7.7M | $49.4M | ||
| Q1 25 | $6.6M | $42.8M | ||
| Q4 24 | $6.8M | $43.4M | ||
| Q3 24 | $6.3M | $40.4M | ||
| Q2 24 | $6.0M | $38.9M |
| Q1 26 | — | $16.4M | ||
| Q4 25 | $2.6M | $17.9M | ||
| Q3 25 | $2.4M | $18.1M | ||
| Q2 25 | $1.4M | $16.7M | ||
| Q1 25 | $1.3M | $13.6M | ||
| Q4 24 | $1.4M | $13.7M | ||
| Q3 24 | $1.1M | $12.8M | ||
| Q2 24 | $791.0K | $10.8M |
| Q1 26 | — | — | ||
| Q4 25 | 38.1% | 41.2% | ||
| Q3 25 | 38.5% | 44.9% | ||
| Q2 25 | 25.0% | 42.6% | ||
| Q1 25 | 25.9% | 40.5% | ||
| Q4 24 | 28.6% | 41.3% | ||
| Q3 24 | 24.4% | 40.3% | ||
| Q2 24 | 17.7% | 36.6% |
| Q1 26 | — | 28.4% | ||
| Q4 25 | 28.4% | 34.3% | ||
| Q3 25 | 28.8% | 35.5% | ||
| Q2 25 | 18.8% | 33.9% | ||
| Q1 25 | 19.5% | 31.8% | ||
| Q4 24 | 21.3% | 31.6% | ||
| Q3 24 | 18.0% | 31.6% | ||
| Q2 24 | 13.2% | 27.8% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $0.32 | $1.02 | ||
| Q3 25 | $0.29 | $1.03 | ||
| Q2 25 | $0.17 | $0.96 | ||
| Q1 25 | $0.16 | $0.78 | ||
| Q4 24 | $0.18 | $0.80 | ||
| Q3 24 | $0.14 | $0.74 | ||
| Q2 24 | $0.09 | $0.63 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $82.8M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $171.9M | $650.5M |
| Total Assets | $1.6B | $6.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $82.8M | $175.2M | ||
| Q3 25 | $201.9M | $116.4M | ||
| Q2 25 | $191.0M | $113.1M | ||
| Q1 25 | $143.7M | $219.0M | ||
| Q4 24 | $309.4M | $371.2M | ||
| Q3 24 | $114.8M | $258.2M | ||
| Q2 24 | $108.7M | $241.8M |
| Q1 26 | — | $650.5M | ||
| Q4 25 | $171.9M | $531.0M | ||
| Q3 25 | $169.3M | $513.8M | ||
| Q2 25 | $168.3M | $496.1M | ||
| Q1 25 | $168.6M | $479.8M | ||
| Q4 24 | $168.3M | $460.7M | ||
| Q3 24 | $166.0M | $450.5M | ||
| Q2 24 | $166.5M | $435.0M |
| Q1 26 | — | $6.6B | ||
| Q4 25 | $1.6B | $5.3B | ||
| Q3 25 | $1.6B | $5.1B | ||
| Q2 25 | $1.5B | $4.9B | ||
| Q1 25 | $1.5B | $4.9B | ||
| Q4 24 | $1.4B | $4.9B | ||
| Q3 24 | $1.4B | $4.6B | ||
| Q2 24 | $1.3B | $4.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $3.9M | — |
| Free Cash FlowOCF − Capex | $3.9M | — |
| FCF MarginFCF / Revenue | 42.1% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | 1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $9.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.9M | $5.7M | ||
| Q3 25 | $4.0M | $20.7M | ||
| Q2 25 | $1.9M | $13.9M | ||
| Q1 25 | $-631.0K | $10.5M | ||
| Q4 24 | $4.4M | $-3.6M | ||
| Q3 24 | $861.0K | $22.0M | ||
| Q2 24 | $1.4M | $7.3M |
| Q1 26 | — | — | ||
| Q4 25 | $3.9M | — | ||
| Q3 25 | $4.0M | — | ||
| Q2 25 | $1.8M | — | ||
| Q1 25 | $-649.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $1.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 42.1% | — | ||
| Q3 25 | 46.8% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | -9.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 22.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.8% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.51× | 0.32× | ||
| Q3 25 | 1.65× | 1.15× | ||
| Q2 25 | 1.32× | 0.83× | ||
| Q1 25 | -0.49× | 0.77× | ||
| Q4 24 | 3.05× | -0.26× | ||
| Q3 24 | 0.76× | 1.72× | ||
| Q2 24 | 1.75× | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECBK
Segment breakdown not available.
TCBX
| Net Interest Income | $53.6M | 93% |
| Noninterest Income | $4.0M | 7% |
