ECB Bancorp, Inc. (ECBK)

ECB Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	11.42	7.77	3.99	4.46	2.72	4.04
Depreciation & Amortization	0.3	0.3	0.3	0.28	0.3	0.3
Other Amortization	0.29	0.29	0.28	-0.03	-	-
Gain (Loss) on Sale of Investments	-0.17	-0.18	-0.06	0.03	0.18	0.34
Provision for Credit Losses	0.64	1.53	0.17	0.8	2.94	0.36
Net Decrease (Increase) in Loans Originated / Sold - Operating	10.32	-0.23	0.12	0.02	1.39	-0.41
Accrued Interest Receivable	-0.49	-1.2	-0.25	-1.13	-1.15	0.34
Change in Other Net Operating Assets	-0.2	-0.33	0.74	0.43	2.14	1.23
Other Operating Activities	-0.92	-0.72	-0.72	-0.59	-1.91	0.7
Operating Cash Flow	22.76	9.22	6.23	6.43	7.77	6.45
Operating Cash Flow Growth	248.25%	48.04%	-3.20%	-17.19%	20.48%	27.02%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.36	-0.21	-0.06	-0.34	-0.22	-0.1
Investment in Securities	-17.59	-20.72	2.11	0.87	-12.5	-12.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-120.52	-237.12	-97.23	-155.48	-371.31	-50.51
Other Investing Activities	-0.9	-1.85	-0.11	-2.35	-5.31	-4.67
Investing Cash Flow	-139.37	-259.9	-95.29	-157.29	-389.34	-68.22

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	45	15	-	75	-
Long-Term Debt Issued	-	30.82	55	195	110	4
Total Debt Issued	80	75.82	70	195	185	4
Short-Term Debt Repaid	-	-	-	-55	-	-
Long-Term Debt Repaid	-	-25	-70	-80	-20	-13
Total Debt Repaid	-59.82	-25	-70	-135	-20	-13
Net Debt Issued (Repaid)	20.19	50.82	-	60	165	-9
Issuance of Common Stock	0.01	-	0.07	-	79.25	-
Repurchase of Common Stock	-3.5	-4.61	-2.72	-2.23	-	-
Net Increase (Decrease) in Deposit Accounts	125.26	133.81	130.32	150.07	146.4	80.33
Other Financing Activities	-0.03	-0.03	-0.02	-	-	-
Financing Cash Flow	141.92	179.99	127.64	207.84	390.64	71.33

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	25.31	-70.7	38.58	56.99	9.08	9.56

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	22.4	9.01	6.17	6.1	7.55	6.35
Free Cash Flow Growth	246.30%	46.01%	1.13%	-19.26%	19.05%	27.74%
Free Cash Flow Margin	58.67%	28.40%	23.69%	24.36%	34.18%	32.45%
Free Cash Flow Per Share	2.70	1.08	0.74	0.72	0.89	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	47.8	46.57	42.04	28.53	4.83	3.66
Cash Income Tax Paid	4.08	2.76	1.57	2.26	1.98	2.41

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 24, 2026

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