ECB Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	35.1	31.92	24.99	24.79	23.64	18.69
Net Interest Income Growth	36.40%	27.73%	0.80%	4.86%	26.47%	17.94%
Non-Interest Income	1.38	1.33	1.23	1.05	1.4	1.22
Non-Interest Income Growth	16.02%	8.16%	16.54%	-24.91%	14.65%	-4.68%
Revenues Before Loan Losses	36.49	33.24	26.21	25.84	25.04	19.92
Provision for Credit Losses	1.7	1.53	0.17	0.8	2.94	0.36
Revenue	34.79	31.71	26.04	25.04	22.1	19.56
Revenue Growth (YoY)	29.28%	21.77%	4.00%	13.28%	13.02%	16.13%
Compensation Expenses	14.17	13.99	13.9	12.26	10.36	10.03
Selling, General & Admin	5.12	4.85	4.48	4.56	3.46	2.79
Other Non-Interest Expenses	2.58	2.5	2.29	2.24	4.79	1.27
Total Non-Interest Expense	21.87	21.33	20.67	19.05	18.61	14.09
Pretax Income	12.92	10.38	5.37	5.99	3.5	5.47
Provision for Income Taxes	3.32	2.61	1.38	1.53	0.78	1.43
Net Income	9.6	7.77	3.99	4.46	2.72	4.04
Net Income to Common	9.6	7.77	3.99	4.46	2.72	4.04
Net Income Growth	105.63%	94.74%	-10.44%	63.82%	-32.71%	-16.83%
Shares Outstanding (Basic)	8	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	9	8	8
Shares Change (YoY)	-0.61%	-0.40%	-2.09%	0.80%	12.67%	-
EPS (Basic)	1.19	0.96	0.48	0.53	0.32	0.45
EPS (Diluted)	1.15	0.94	0.48	0.52	0.32	0.45
EPS Growth	105.36%	95.83%	-7.69%	62.50%	-28.89%	-
Shares Outstanding	8.77	8.79	9.1	9.29	9.18	12.49
Free Cash Flow	12.46	9.01	6.17	6.1	7.55	6.35
Free Cash Flow Growth	38.36%	46.01%	1.13%	-19.26%	19.05%	27.74%
Free Cash Flow Per Share	1.50	1.08	0.74	0.72	0.89	0.85
Profit Margin	27.59%	24.51%	15.33%	17.80%	12.31%	20.67%
FCF Margin	35.82%	28.40%	23.69%	24.36%	34.18%	32.45%
EBITDA	0.29	0.3	0.3	0.28	0.3	0.3
EBITDA Margin	0.83%	0.94%	1.16%	1.11%	1.37%	1.53%
Effective Tax Rate	25.73%	25.12%	25.69%	25.55%	22.20%	26.12%

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q