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Upturn AI SWOT - About
ECB Bancorp Inc. (ECBK)
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Upturn Advisory Summary
04/01/2025: ECBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 42.9% | Avg. Invested days 62 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 136.80M USD | Price to earnings Ratio 31.47 | 1Y Target Price - |
Price to earnings Ratio 31.47 | 1Y Target Price - | ||
Volume (30-day avg) 10449 | Beta 0.64 | 52 Weeks Range 11.39 - 15.75 | Updated Date 04/2/2025 |
52 Weeks Range 11.39 - 15.75 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.48 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.33% | Operating Margin (TTM) 28.72% |
Management Effectiveness
Return on Assets (TTM) 0.3% | Return on Equity (TTM) 2.4% |
Valuation
Trailing PE 31.47 | Forward PE - | Enterprise Value 213675552 | Price to Sales(TTM) 5.25 |
Enterprise Value 213675552 | Price to Sales(TTM) 5.25 | ||
Enterprise Value to Revenue 14.16 | Enterprise Value to EBITDA - | Shares Outstanding 9056810 | Shares Floating 8372987 |
Shares Outstanding 9056810 | Shares Floating 8372987 | ||
Percent Insiders 14.53 | Percent Institutions 24.83 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ECB Bancorp Inc.
Company Overview
History and Background
ECB Bancorp, Inc. operates as the holding company for East Carolina Bank, providing banking services in eastern North Carolina. Founded to serve local communities, it focuses on relationship banking and community development.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses. Focuses on small to medium sized businesses within its geographic footprint.
- Retail Banking: Provides personal checking and savings accounts, mortgage loans, and other retail banking products to individuals and families.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Details regarding specific leadership team and organizational structure are publicly available via the ECB Bancorp website and SEC filings. Generally it includes a Board of Directors, CEO, CFO, and other key executive positions leading various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, or equipment purchases. Market share data is fragmented regionally and depends on local competitors. Competitors include larger regional and national banks, credit unions, and other community banks.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Market share data is highly competitive and varies by geography. Competitors include large mortgage lenders, banks, and credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share varies based on location and competition. Competitors: national banks like Bank of America, Wells Fargo, and other community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and evolving customer preferences (digital banking). The industry is also seeing increased consolidation.
Positioning
ECB Bancorp is positioned as a community bank focused on relationship banking and serving the needs of eastern North Carolina. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in eastern North Carolina is estimated at several billion dollars, encompassing various segments like commercial lending, mortgage lending, and deposit accounts. ECB Bancorp's positioning allows it to capture a share of this market through relationship-focused banking.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Established relationships with local businesses
- Conservative lending practices
- Community focus
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Potentially higher operating costs due to personalized service
- Dependence on the local economy
- Limited product diversification
Opportunities
- Expanding into new markets within eastern North Carolina
- Adopting new technologies to improve efficiency
- Offering new products and services to meet customer needs
- Acquiring smaller banks or credit unions
- Growing wealth management business
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn in eastern North Carolina
- Changes in banking regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Truist Financial Corp (TFC)
- First Citizens BancShares (FCNCA)
Competitive Landscape
ECB Bancorp faces competition from larger national and regional banks, as well as other community banks and credit unions. Its advantages lie in its local market knowledge and personalized service. Its disadvantages are related to scale and resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth would require a review of past financial performance. Growth trends would include loan growth, deposit growth, and expansion of services.
Future Projections: Future projections depend on various factors, including economic conditions, interest rates, and management strategy. Analyst estimates can be found via financial data providers.
Recent Initiatives: Specific initiatives would be outlined in press releases, investor presentations, and SEC filings. Examples may include branch expansion, technology upgrades, or new product launches.
Summary
ECB Bancorp is a community bank focusing on eastern North Carolina. Its strengths are rooted in local expertise and personalized service. Challenges include competition from larger banks and the need to adapt to evolving banking technologies. Future growth depends on strategic initiatives and favorable economic conditions.
Similar Companies
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial Data Providers
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share percentages are approximate and for illustrative purposes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ECB Bancorp Inc.
Exchange NASDAQ | Headquaters Everett, MA, United States | ||
IPO Launch date 2022-07-28 | CEO, President & Director Mr. Richard J. O'Neil Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.everettbank.com |
Full time employees - | Website https://www.everettbank.com | ||
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, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is based in Everett, Massachusetts.
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