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	Jun '26 Jun 30, 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	37.48	31.92	24.99	24.79	23.64	18.69
Net Interest Income Growth	36.87%	27.73%	0.80%	4.86%	26.47%	17.94%
Non-Interest Income	1.33	1.33	1.23	1.05	1.4	1.22
Non-Interest Income Growth	5.88%	8.16%	16.54%	-24.91%	14.65%	-4.68%
Revenues Before Loan Losses	38.81	33.24	26.21	25.84	25.04	19.92
Provision for Credit Losses	0.64	1.53	0.17	0.8	2.94	0.36
Revenue	38.17	31.71	26.04	25.04	22.1	19.56
Revenue Growth	37.33%	21.77%	4.00%	13.28%	13.02%	16.13%
Compensation Expenses	14.79	13.99	13.9	12.26	10.36	10.03
Selling, General & Admin	5.29	4.85	4.48	4.56	3.46	2.79
Other Non-Interest Expenses	2.62	2.5	2.29	2.24	4.79	1.27
Total Non-Interest Expense	22.7	21.33	20.67	19.05	18.61	14.09
Pretax Income	15.47	10.38	5.37	5.99	3.5	5.47
Provision for Income Taxes	4.05	2.61	1.38	1.53	0.78	1.43
Net Income	11.42	7.77	3.99	4.46	2.72	4.04
Net Income to Common	11.42	7.77	3.99	4.46	2.72	4.04
Net Income Growth	114.79%	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	-0.79%	-0.40%	-2.09%	0.80%	12.67%	-
EPS (Basic)	1.42	0.96	0.48	0.53	0.32	0.45
EPS (Diluted)	1.37	0.94	0.48	0.52	0.32	0.45
EPS Growth	114.06%	95.83%	-7.69%	62.50%	-28.89%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Free Cash Flow	-	9.01	6.17	6.1	7.55	6.35
Free Cash Flow Growth	-	46.01%	1.13%	-19.26%	19.05%	27.74%
Free Cash Flow Per Share	-	1.08	0.74	0.72	0.89	0.85
Profit Margin	29.91%	24.51%	15.33%	17.80%	12.31%	20.67%
FCF Margin	-	28.40%	23.69%	24.36%	34.18%	32.45%
Effective Tax Rate	26.20%	25.12%	25.69%	25.55%	22.20%	26.12%

SEC Filings: 10-K · 10-Q