ECB Bancorp Inc. Net Assets
ECB Bancorp Inc. net assets. Based on the latest financial reports, ECB Bancorp Inc. (ECBK) has net assets worth $179.88 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.67 Billion) and total liabilities ($1.49 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore ECBK year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $179.88 Million |
| % of Total Assets | 10.76% |
| Annual Growth Rate | 18.68% |
| 5-Year Change | 122.5% |
| 10-Year Change | N/A |
| Growth Volatility | 43.13 |
Net Assets of ECB Bancorp Inc. (2020–2025)
Net assets of ECB Bancorp Inc. from 2020 to 2025. This chart illustrates how ECB Bancorp Inc.'s net assets have evolved over time, based on quarterly financial data. See ECB Bancorp Inc. (ECBK) net asset quality to measure how much of total assets are equity-financed.
Annual Net Assets for ECB Bancorp Inc. (2020–2025)
The table below shows the annual net assets of ECB Bancorp Inc. from 2020 to 2025. For live market cap and overall valuation, see ECB Bancorp Inc. (ECBK) market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $171.93 Million | +2.18% |
| 2024-12-31 | $168.27 Million | +2.04% |
| 2023-12-31 | $164.90 Million | +1.33% |
| 2022-12-31 | $162.73 Million | +110.59% |
| 2021-12-31 | $77.27 Million | +5.80% |
| 2020-12-31 | $73.03 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to ECB Bancorp Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 30.4% over the analyzed period, indicating profitable operations and earnings retention.
ECB Bancorp Inc. Net Assets Breakdown (December 2025)
ECB Bancorp Inc. net assets breakdown by equity component as of December 2025.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $95.62 Million | 55.61% |
| Common Stock | $88.00K | 0.05% |
| Other Comprehensive Income | $-896.00K | -0.52% |
| Other Components | $77.12 Million | 44.86% |
| Total Equity | $171.93 Million | 100.00% |
ECB Bancorp Inc. Competitors by Market Cap
The table below lists competitors of ECB Bancorp Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Shenzhen Ecobeauty Co Ltd
SHE:000010
|
$181.69 Million |
|
TBS Energi Utama Tbk PT
JK:TOBA
|
$181.75 Million |
|
Shanghai Jinqiao Export Processing Zone Development Co Ltd B
SHG:900911
|
$181.81 Million |
|
Hudson Technologies Inc
NASDAQ:HDSN
|
$181.82 Million |
|
Export Inv
TA:EXPO
|
$181.61 Million |
|
Goldshore Resources Inc
V:GSHR
|
$181.61 Million |
|
Paragon Care Ltd
AU:PGC
|
$181.54 Million |
|
Angang Steel Company Limited
F:GNV
|
$181.53 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ECB Bancorp Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 168,268,000 to 171,934,000, a change of 3,666,000 (2.2%).
- Net income of 7,772,000 contributed positively to equity growth.
- Share repurchases of 4,610,000 reduced equity.
- Other comprehensive income decreased equity by 1,278,000.
- Other factors increased equity by 1,782,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.77 Million | +4.52% |
| Share Repurchases | $4.61 Million | -2.68% |
| Other Comprehensive Income | $-1.28 Million | -0.74% |
| Other Changes | $1.78 Million | +1.04% |
| Total Change | $- | 2.18% |
Book Value vs Market Value Analysis
This analysis compares ECB Bancorp Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.03x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.56x to 1.03x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | $5.97 | $21.27 | x |
| 2021-12-31 | $6.32 | $21.27 | x |
| 2022-12-31 | $19.24 | $21.27 | x |
| 2023-12-31 | $19.35 | $21.27 | x |
| 2024-12-31 | $20.16 | $21.27 | x |
| 2025-12-31 | $20.69 | $21.27 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ECB Bancorp Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.52%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.78%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.34x
- Recent ROE (4.52%) is above the historical average (3.86%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 6.65% | 21.34% | 0.04x | 8.05x | $-2.44 Million |
| 2021 | 5.23% | 17.13% | 0.04x | 8.63x | $-3.69 Million |
| 2022 | 1.67% | 8.90% | 0.03x | 6.54x | $-13.55 Million |
| 2023 | 2.70% | 7.98% | 0.04x | 7.76x | $-12.03 Million |
| 2024 | 2.37% | 5.85% | 0.05x | 8.43x | $-12.84 Million |
| 2025 | 4.52% | 9.78% | 0.05x | 9.34x | $-9.42 Million |
Industry Comparison
This section compares ECB Bancorp Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ECB Bancorp Inc. (ECBK) | $179.88 Million | 6.65% | 8.29x | $181.66 Million |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About ECB Bancorp Inc.
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It offers one- t… Read more