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ECB Bancorp, Inc (ECBK) Fair Value & Analysis

Financial Services · US · Market cap $178M

Price$19.29
Fair Value$11.54
Upside-40.2%
Quality95/100
Evidence: High Range $8.66 – $14.43

Fair value as of: Jun 26, 2026

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Analysis

ECB Bancorp, Inc (ECBK) currently trades at $19.29, while our model-based Fair Value estimate is $11.54 — implying the stock looks roughly 40.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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- 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 headquartered in Everett, Massachusetts.

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Frequently asked questions

Is ECB Bancorp, Inc (ECBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $11.54 versus a price of $19.29 — about −40% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ECBK?
Our 21-model fair value for ECB Bancorp, Inc is $11.54 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.29.
What is the quality score of ECBK?
ECB Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.