Event-Driven Stocks

ECB Bancorp, Inc. /MD/

ECBKNasdaq

Financials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21
Revenue$598,000$577,000———
Operating income—————
Net income$7.8M$4.0M$4.5M$2.7M$4.0M
Total assets$1.61B$1.42B$1.28B$1.06B$666.5M
Total liabilities$1.43B$1.25B$1.12B$901.7M$589.2M
Equity$171.9M$168.3M$164.9M$162.7M$77.3M
EPS (diluted)$0.94$0.48$0.52$0.32—
Shares out.9.1M9.2M9.2M9.2M0

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
1299.7%
Return on equity
4.5%
Return on assets
0.5%
Return on capital (ROCE)
—
Liabilities / assets
89.3%
Debt / equity
8.34×
Book value / share
$18.98
Revenue growth (YoY)
3.6%
Net income growth (YoY)
94.7%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−0.1%clean
Piotroski F-Score
5/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 3 good
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026159,02617.6-12.5%
Apr 30, 2026181,74220.7-1.3%
Apr 15, 2026184,03912.3-4.7%
Mar 31, 2026193,06011.4+7.0%
Mar 13, 2026180,34620.9-4.3%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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