ECB Bancorp Inc
ECBKFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 3:59 PM ET
20.94+0.52 (2.55%)
2026-11-12 04:28 CET
Market cap
182.69 USD m
Revenue, TTM
- USD m
Net income, TTM
12.37 USD m
Free cash flow, TTM
22.19 USD m
EPS diluted, TTM
1.49
P/E
14.09
Price
ECBK against its 20, 50 and 200-day averages2050200
9.5% under the 52-week high of 23.14 on 4 Nov 2026. 52-week low 15.88 on 25 Mar 2026. Last 15 sessions, 13.4% high to low
Volume 0.26× normal · the line is the 50-bar volume average
Profile
ECBK52-week range, 70% of the way up
15.8823.14
ECB Bancorp, Inc. is a bank holding company. It intends to pursue other business activities permitted by applicable laws and regulations, which may include the acquisition of other banking and financial services companies. The company was founded in March 2022 and is headquartered in Everett, MA.
| Index | RUT |
|---|---|
| Employees | 64 |
| IPO | Jul 28, 2022 |
| Beta | 0.45 |
| ATR, 14d | 0.72 |
| Rel volume | 0.26 |
| Short float | 1.32% |
| Insider own | 18.40% |
| Inst own | 30.47% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 182.70M |
| Enterprise Value | - |
| Income | 12.37M |
| Sales | 89.20M |
| Book/sh | 21.16 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 64 |
| IPO | Jul 28, 2022 |
Ratios
| P/E | 14.09 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 2.05 |
| P/B | 0.99 |
| P/C | - |
| P/FCF | 8.23 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 1.11 |
| Debt/Eq | 1.53 |
| LT Debt/Eq | 1.53 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 1.49 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | 42.71% 15.40% |
| Sales past 3/5Y | 37.54% 28.41% |
| EPS Y/Y TTM | 89.71% |
| Sales Y/Y TTM | 16.99% |
| EPS Q/Q | 37.04% |
| Sales Q/Q | 12.81% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 18.40% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 30.47% |
| Inst Trans | 0.58% |
| ROA | 0.76% |
| ROE | 6.99% |
| ROIC | 2.65% |
| Gross Margin | - |
| Oper. Margin | 18.87% |
| Profit Margin | 13.87% |
| SMA20 | -0.21% |
| SMA50 | 0.40% |
| SMA200 | 8.82% |
| Trades | - |
Technical
| Shs Outstand | 8.74M |
|---|---|
| Shs Float | 7.12M |
| Short Float | 1.32% |
| Short Ratio | 9.84 |
| Short Interest | 0.09M |
| 52W High | 23.14 -9.51% |
| 52W Low | 15.88 31.86% |
| Volatility | 4.30% 3.28% |
| ATR (14) | 0.72 |
| RSI (14) | 49.17 |
| Beta | 0.45 |
| Rel Volume | 0.26 |
| Avg Volume | 9.57K |
| Volume | 2,505 |
Performance
| Perf Week | -8.84% |
|---|---|
| Perf Month | 2.25% |
| Perf Quarter | 0.43% |
| Perf Half Y | 14.87% |
| Perf YTD | 20.41% |
| Perf Year | 20.14% |
| Perf 3Y | 94.79% |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | - |
| Target Price | - |
| Prev Close | 20.42 |
| Price | 20.94 |
| Change % | 2.55% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| WSBK | Winchester Bancorp Inc | 124.01M |
| AVBC | Avidia Bancorp Inc | 452.53M |
| NBBK | NB Bancorp Inc | 903.53M |
| WNEB | Western New England Bancorp Inc | 270.89M |
| HIFS | Hingham Institution For Savings | 667.59M |
| SRBK | SR Bancorp Inc | 135.33M |
| BSBK | Bogota Financial Corp | 118.58M |
| MGYR | Magyar Bancorp Inc | 140.60M |
| NECB | NorthEast Community Bancorp Inc | 400.59M |
| BWFG | Bankwell Financial Group Inc | 564.18M |
Insider trading
4 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Lavertu Brandon | CFO | Apr 30 '26 | Buy | 17.89 | 40 | 716 | 32,423 | May 01 04:06 PM |
| Sullivan Maura Ellen | Director | Feb 09 '26 | Buy | 18.50 | 2,200 | 40,700 | 5,700 | Feb 09 04:30 PM |
| Sullivan Maura Ellen | Director | Dec 08 '25 | Buy | 16.83 | 2,937 | 49,418 | 2,937 | Dec 09 04:58 PM |
| Sullivan Maura Ellen | Director | Dec 09 '25 | Buy | 16.98 | 563 | 9,558 | 3,500 | Dec 09 04:58 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.10B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| GSSC | Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF | AUM: 1.06B |
| VTWV | Vanguard Russell 2000 Value Index ETF | AUM: 1.29B |
| RSSL | Global X Russell 2000 ETF | AUM: 1.43B |
| DXUV | US Vector Equity Portfolio ETF Class Shares | AUM: 665.71M |
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-23 | - | - | 0.376 | 10.16 | - | - |
| 2025Q4 | 2026-02-05 | - | - | 0.315 | 9.56 | - | - |
| 2025Q3 | 2025-10-22 | - | - | 0.295 | 8.84 | - | - |
| 2025Q2 | 2025-07-24 | - | - | 0.172 | 8.02 | - | - |
| 2025Q1 | 2025-04-24 | - | - | 0.155 | 6.87 | - | - |
| 2024Q4 | 2025-02-05 | - | - | 0.173 | 7.13 | - | - |
| 2024Q3 | 2024-10-24 | - | - | 0.136 | 6.60 | - | - |
| 2024Q2 | 2024-07-25 | - | - | 0.095 | 6.30 | - | - |
| 2024Q1 | 2024-04-25 | - | - | 0.074 | 6.21 | - | - |
| 2023Q4 | 2024-02-15 | - | - | 0.094 | 6.20 | - | - |
| 2023Q3 | 2023-10-26 | - | - | 0.158 | 6.41 | - | - |
| 2023Q2 | 2023-07-27 | - | - | 0.168 | 6.64 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 0.457 | 0.38 | 0.322 | 0.523 | 0.478 | 0.935 | 1.4858 | ||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
| EPS, quarterly | 0.136 | 0.173 | 0.155 | 0.172 | 0.295 | 0.315 | 0.376 | 0.391 | 0.404 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 22.769 | 23.597 | 30.558 | 55.828 | 68.271 | 79.506 | 89.2 | ||
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
| Sales, quarterly | 17.459 | 18.138 | 17.892 | 19.456 | 20.758 | 21.4 | 21.941 | 22.442 | 23.418 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 10.638 | 10.638 | 9.175 | 9.292 | 9.096 | 8.793 | 8.738 | ||
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | ||
| Shares, quarterly | 8.519 | 9.096 | 9.05 | 8.947 | 8.826 | 8.793 | 8.773 | 8.747 | 8.738 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|---|
| Interest Income | 87.91 | 78.18 | 67.05 | 54.78 | 29.16 | 22.38 | 21.49 |
| Total Interest Expense | 48.09 | 46.26 | 42.06 | 29.99 | 5.51 | 3.68 | 5.64 |
| Net Interest Income | 39.81 | 31.92 | 24.99 | 24.79 | 23.64 | 18.69 | 15.85 |
| Loan Loss Provision | 0.66 | 1.53 | 0.17 | 0.80 | 2.94 | 0.36 | 0.29 |
| Net Interest Income After Loan Loss Provision | 39.15 | 30.38 | 24.81 | 23.99 | 20.70 | 18.33 | 15.56 |
| Non-Interest Income | 1.29 | 1.33 | 1.23 | 1.05 | 1.40 | 1.22 | 1.28 |
| Non-Interest Expense | 23.61 | 21.33 | 20.67 | 19.05 | 18.61 | 14.09 | 10.31 |
| Operating Income | 16.83 | 10.38 | 5.37 | 5.99 | 3.50 | 5.47 | 6.53 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 16.83 | 10.38 | 5.37 | 5.99 | 3.50 | 5.47 | 6.53 |
| Income Taxes | 4.46 | 2.61 | 1.38 | 1.53 | 0.78 | 1.43 | 1.67 |
| Consolidated Net Income | 12.37 | 7.77 | 3.99 | 4.46 | 2.72 | 4.04 | 4.86 |
| Net Income From Continuing Operations | 12.37 | 7.77 | 3.99 | 4.46 | 2.72 | 4.04 | 4.86 |
| Net Income | 12.37 | 7.77 | 3.99 | 4.46 | 2.72 | 4.04 | 4.86 |
| EPS (Recurring) | 1.47 | 0.94 | 0.48 | 0.52 | 0.32 | 0.38 | 0.46 |
| EPS (Basic, Before Extraordinaries) | 1.54 | 0.96 | 0.48 | 0.53 | 0.32 | 0.38 | 0.46 |
| EPS (Diluted) | 1.49 | 0.94 | 0.48 | 0.52 | 0.32 | 0.38 | 0.46 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.02 | 0.97 | 1.03 | 0.21 | 0.00 | - | - |
| Price To Earnings Ratio | 14.09 | 14.09 | 37.26 | 23.32 | - | - | - |
| Price To Sales Ratio | 1.91 | 1.82 | 1.81 | 1.92 | 4.44 | - | - |
| Operating Margin | 18.87 | 13.05 | 7.87 | 10.72 | 11.44 | 23.19 | 28.69 |
| Net Margin | 13.87 | 9.78 | 5.85 | 7.98 | 8.90 | 17.13 | 21.34 |
| Shares Outstanding | 8.74 | 8.79 | 9.10 | 9.29 | 9.18 | 10.64 | 10.64 |
| Market Capitalization | 182.69 | 182.69 | 125.91 | 115.50 | 135.48 | 135.48 | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 23.11 | 22.14 | 21.61 | 21.04 | 20.42 | 19.10 | 17.62 | 17.81 |
| Total Interest Expense | 12.32 | 12.10 | 11.78 | 11.89 | 11.96 | 11.44 | 10.97 | 11.03 |
| Net Interest Income | 10.79 | 10.04 | 9.83 | 9.15 | 8.46 | 7.66 | 6.65 | 6.78 |
| Loan Loss Provision | 0.20 | 0.06 | 0.15 | 0.24 | 0.18 | 1.12 | -0.01 | -0.31 |
| Net Interest Income After Loan Loss Provision | 10.59 | 9.97 | 9.68 | 8.91 | 8.27 | 6.54 | 6.66 | 7.09 |
| Non-Interest Income | 0.30 | 0.30 | 0.33 | 0.36 | 0.34 | 0.35 | 0.27 | 0.33 |
| Non-Interest Expense | 6.28 | 5.81 | 5.75 | 5.78 | 5.36 | 4.98 | 5.21 | 5.48 |
| Operating Income | 4.61 | 4.47 | 4.26 | 3.49 | 3.26 | 1.92 | 1.72 | 1.94 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 4.61 | 4.47 | 4.26 | 3.49 | 3.26 | 1.92 | 1.72 | 1.94 |
| Income Taxes | 1.22 | 1.21 | 1.14 | 0.89 | 0.82 | 0.47 | 0.42 | 0.49 |
| Consolidated Net Income | 3.39 | 3.26 | 3.12 | 2.60 | 2.44 | 1.44 | 1.30 | 1.45 |
| Net Income From Continuing Operations | 3.39 | 3.26 | 3.12 | 2.60 | 2.44 | 1.44 | 1.30 | 1.45 |
| Net Income | 3.39 | 3.26 | 3.12 | 2.60 | 2.44 | 1.44 | 1.30 | 1.45 |
| EPS (Recurring) | 0.40 | 0.39 | 0.38 | 0.31 | 0.29 | 0.17 | 0.16 | 0.17 |
| EPS (Basic, Before Extraordinaries) | 0.42 | 0.41 | 0.39 | 0.32 | 0.30 | 0.18 | 0.16 | 0.18 |
| EPS (Diluted) | 0.40 | 0.39 | 0.38 | 0.31 | 0.29 | 0.17 | 0.16 | 0.17 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.28 | 0.26 | 0.25 | 0.22 | 0.25 | 0.26 | 0.25 | - |
| Price To Earnings Ratio | 14.09 | 17.35 | 17.86 | 21.87 | 24.95 | 27.63 | 31.73 | 37.26 |
| Price To Sales Ratio | 1.91 | 1.93 | 1.66 | 1.81 | 1.72 | 1.77 | 1.80 | 1.82 |
| Operating Margin | 19.70 | 19.90 | 19.43 | 16.30 | 15.69 | 9.84 | 9.62 | 10.70 |
| Net Margin | 14.48 | 14.53 | 14.23 | 12.14 | 11.75 | 7.40 | 7.25 | 7.98 |
| Shares Outstanding | 8.74 | 8.75 | 8.77 | 8.79 | 8.83 | 8.95 | 9.05 | 9.10 |
| Market Capitalization | 182.69 | 175.78 | 146.87 | 152.98 | 140.47 | 139.39 | 137.21 | 125.91 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 4.12 | 5.83 | 3.79 | 3.12 | 7.33 | 5.56 |
| Investments | 193.09 | 242.22 | 207.12 | 149.11 | 118.62 | 97.71 |
| Net Loans | 1,371.82 | 1,136.45 | 1,039.79 | 885.67 | 517.13 | 467.16 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 5.06 | 4.66 | 5.05 | 3.98 | 3.78 | 3.98 |
| Interest Receivables | 5.21 | 4.01 | 3.77 | 2.63 | 1.48 | 1.82 |
| Deferred Tax Assets | 6.28 | 5.60 | 5.34 | 4.81 | 3.27 | 2.26 |
| Other Intangible Assets | 20.68 | 20.06 | 16.05 | 15.60 | 15.18 | 9.46 |
| Total Assets | 1,606.27 | 1,418.84 | 1,280.91 | 1,064.93 | 666.79 | 587.95 |
| Total Deposits | 1,132.34 | 998.53 | 868.21 | 718.15 | 571.73 | 491.40 |
| Total Debt | 286.51 | 235.20 | 235.34 | 174.28 | 9.00 | 18.00 |
| Long Term Debt | 206.46 | 210.20 | 205.15 | 119.28 | 9.00 | 5.00 |
| Provision for Risks Charges | 2.63 | 2.50 | 2.63 | 2.25 | 1.67 | 1.73 |
| Deferred Tax Liabilities | 0.61 | 0.69 | 0.57 | 0.47 | 0.30 | 0.33 |
| Other Liabilities | 12.23 | 13.65 | 9.25 | 7.05 | 6.81 | 3.47 |
| Total Liabilities | 1,434.33 | 1,250.58 | 1,116.01 | 902.20 | 589.52 | 514.92 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 171.93 | 168.27 | 164.90 | 162.73 | 77.27 | 73.03 |
| Total Shareholders Equity | 171.93 | 168.27 | 164.90 | 162.73 | 77.27 | 73.03 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 171.93 | 168.27 | 164.90 | 162.73 | 77.27 | 73.03 |
| Total Liabilities & Stockholders Equity | 1,606.27 | 1,418.84 | 1,280.91 | 1,064.93 | 666.79 | 587.95 |
| Book Value Per Share | 19.55 | 18.50 | 17.75 | 17.74 | 7.26 | 6.87 |
| Tangible Book Value Per Share | 19.55 | 18.50 | 17.75 | 17.74 | 7.26 | 6.87 |
| Tier 1 Capital | 154.65 | 145.24 | 139.67 | 130.42 | 77.36 | - |
| Tier 2 Capital | - | 9.52 | 9.35 | 7.60 | 4.47 | - |
| Full-Time Employees | 64 | 64 | 68 | 66 | 54 | 49 |
| Price to Book Ratio | 0.99 | 0.76 | 0.70 | 0.84 | 0.84 | - |
| Return on Assets | 0.51 | 0.30 | 0.38 | 0.31 | 0.64 | - |
| Return on Equity | 4.57 | 2.40 | 2.72 | 2.27 | 5.38 | - |
| Return on Invested Capital | 2.05 | 1.05 | 1.20 | 0.96 | 4.69 | 6.23 |
| Current Ratio | 0.11 | 0.51 | 0.25 | 0.21 | 0.20 | 0.20 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|---|
| Funds from Operations | 23.03 | 10.67 | 5.64 | 5.67 | 6.71 | 3.30 | 4.66 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.62 | -1.22 | 0.47 | 0.75 | -0.33 | 3.57 | 0.44 |
| Cash from Operating Activities | 23.65 | 9.45 | 6.11 | 6.41 | 6.38 | 6.86 | 5.11 |
| Capital Expenditures | -1.46 | -3.21 | -0.06 | -0.34 | -0.22 | -5.10 | -0.11 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -3.36 | -9.86 | 2.19 | 0.57 | -12.20 | -12.94 | -16.14 |
| Purchase of Investments | -45.46 | -59.80 | -15.53 | -8.29 | -22.63 | -26.90 | -39.48 |
| Sale Or Maturity of Investments | 42.09 | 49.94 | 17.71 | 8.86 | 10.43 | 13.96 | 23.34 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.25 | 0.90 | 0.00 | 0.60 |
| Cash from Investing Activities | -153.52 | -260.16 | -95.19 | -157.27 | -387.95 | -68.63 | -55.70 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -1.72 | -4.61 | -2.65 | -2.23 | 79.25 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -1.73 | -4.61 | -2.72 | -2.23 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.01 | 0.00 | 0.07 | 0.00 | 79.25 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 79.25 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 22.68 | 50.81 | 0.00 | 60.00 | 165.00 | -9.00 | -4.00 |
| Change in Long Term Debt | -52.31 | 5.82 | -15.00 | 115.00 | 90.00 | -9.00 | -4.00 |
| Issuance of Long Term Debt | 75.00 | 30.82 | 55.00 | 195.00 | 110.00 | 4.00 | 10.00 |
| Reduction of Long Term Debt | -127.31 | -25.00 | -70.00 | -80.00 | -20.00 | -13.00 | -14.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 123.33 | 180.02 | 127.67 | 207.84 | 390.64 | 71.33 | 63.59 |
| Net Change in Cash | -6.54 | -70.69 | 38.58 | 56.99 | 9.07 | 9.56 | 12.99 |
| Free Cash Flow | 22.19 | 9.23 | 6.05 | 6.08 | 6.17 | 6.76 | 5.00 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 7.67 | 15.66 | 20.47 | 17.61 | 22.00 | - | - |
| Federal Home Loan Advances Increase (Decrease) | - | -1.85 | -0.11 | -2.60 | -6.21 | 0.33 | 0.94 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 2.71 | 2.94 | 3.04 | 4.12 | 3.35 | 6.33 |
| Investments | 204.49 | 238.99 | 219.84 | 193.09 | 207.87 | 192.03 |
| Net Loans | 1,448.55 | 1,393.19 | 1,391.49 | 1,371.82 | 1,305.55 | 1,281.74 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 4.59 | 3.50 | 3.36 | 5.06 | 3.43 | 3.43 |
| Interest Receivables | 5.58 | 5.27 | 5.33 | 5.21 | 5.25 | 4.78 |
| Deferred Tax Assets | 4.85 | 4.98 | 5.05 | 6.28 | 5.61 | 5.51 |
| Other Intangible Assets | 22.32 | 22.64 | 22.18 | 20.68 | 21.59 | 21.20 |
| Total Assets | 1,693.08 | 1,671.52 | 1,650.30 | 1,606.27 | 1,552.65 | 1,515.01 |
| Total Deposits | 1,210.97 | 1,192.70 | 1,199.39 | 1,132.34 | 1,108.61 | 1,067.44 |
| Total Debt | 282.50 | 285.00 | 260.81 | 286.51 | 259.81 | 264.81 |
| Long Term Debt | 282.50 | 285.00 | 260.81 | 206.46 | 259.81 | 264.81 |
| Provision for Risks Charges | 1.10 | 0.94 | 0.71 | 2.63 | 0.71 | 0.66 |
| Deferred Tax Liabilities | - | - | - | 0.61 | - | - |
| Other Liabilities | 13.64 | 12.99 | 13.45 | 12.23 | 14.21 | 13.82 |
| Total Liabilities | 1,508.21 | 1,491.64 | 1,474.37 | 1,434.33 | 1,383.34 | 1,346.74 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 184.87 | 179.88 | 175.93 | 171.93 | 169.31 | 168.28 |
| Total Shareholders Equity | 184.87 | 179.88 | 175.93 | 171.93 | 169.31 | 168.28 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 184.87 | 179.88 | 175.93 | 171.93 | 169.31 | 168.28 |
| Total Liabilities & Stockholders Equity | 1,693.08 | 1,671.52 | 1,650.30 | 1,606.27 | 1,552.65 | 1,515.01 |
| Book Value Per Share | 21.16 | 20.56 | 20.05 | 19.55 | 19.18 | 18.81 |
| Tangible Book Value Per Share | 21.16 | 20.56 | 20.05 | 19.55 | 19.18 | 18.81 |
| Tier 1 Capital | - | 161.94 | - | - | 151.63 | 148.76 |
| Tier 2 Capital | - | 11.18 | - | - | 10.73 | 10.54 |
| Full-Time Employees | - | - | - | 64 | - | - |
| Price to Book Ratio | 0.99 | 1.00 | 0.86 | 0.91 | 0.84 | 0.83 |
| Return on Assets | 0.76 | 0.72 | 0.62 | 0.51 | 0.46 | 0.37 |
| Return on Equity | 6.99 | 6.56 | 5.57 | 4.57 | 3.95 | 3.18 |
| Return on Invested Capital | 0.73 | 0.70 | 0.71 | 0.69 | 0.57 | 0.33 |
| Current Ratio | 1.11 | 1.37 | 1.60 | 0.11 | 1.34 | 1.18 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 12.64 | 3.02 | 4.31 | 3.07 | 2.93 | 2.67 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 1.04 | -0.11 | -1.50 | 1.19 | -0.47 | 0.60 |
| Cash from Operating Activities | 13.68 | 2.91 | 2.81 | 4.25 | 2.47 | 3.27 |
| Capital Expenditures | -1.17 | -0.21 | -0.00 | -0.07 | -0.07 | -3.04 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -2.34 | -1.93 | 1.44 | -0.53 | -2.35 | -4.87 |
| Purchase of Investments | -23.10 | -4.38 | -3.38 | -14.60 | -10.89 | -26.22 |
| Sale Or Maturity of Investments | 20.76 | 2.45 | 4.82 | 14.07 | 8.54 | 21.36 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -57.15 | -7.05 | -21.14 | -68.18 | -32.71 | -112.89 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -0.19 | -0.67 | -0.35 | -0.51 | -1.97 | -1.46 |
| Repurchase of Common Pref Stock | -0.19 | -0.68 | -0.35 | -0.51 | -1.97 | -1.46 |
| Sale of Common Pref Stock | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | -2.50 | 24.18 | -24.00 | 25.00 | -5.00 | 30.82 |
| Change in Long Term Debt | -47.50 | -0.81 | -4.00 | 0.00 | 5.00 | 0.81 |
| Issuance of Long Term Debt | 20.00 | 35.00 | 20.00 | 0.00 | 5.00 | 0.81 |
| Reduction of Long Term Debt | -67.50 | -35.81 | -24.00 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | 15.58 | 16.82 | 42.70 | 48.23 | 34.20 | 60.17 |
| Net Change in Cash | -27.89 | 12.68 | 24.37 | -15.70 | 3.96 | -49.45 |
| Free Cash Flow | 12.51 | 2.69 | 2.81 | 4.18 | 2.40 | 3.22 |
| Price to Free Cash Flow | 7.67 | 13.86 | 11.02 | 15.56 | 14.94 | 17.68 |
Revenue breakdown
| Savings Institutions, Not Federally Chartered | 2024: 577.00K 2025: 598.00K |
|---|---|
| United States | 2024: 577.00K 2025: 598.00K |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 1.32% | 0.1M | 7.1M | 9.84K |
| 2026-10-15 | 1.54% | 0.1M | 7.1M | 9.66K |
| 2026-09-30 | 1.61% | 0.1M | 7.1M | 9.12K |
| 2026-09-15 | 1.78% | 0.1M | 7.1M | 12.00K |
| 2026-08-31 | 2.27% | 0.2M | 7.1M | 11.80K |
| 2026-08-14 | 1.78% | 0.1M | 7.1M | 11.94K |
| 2026-07-31 | 1.88% | 0.1M | 7.2M | 11.94K |
| 2026-07-15 | 1.82% | 0.1M | 7.2M | 11.94K |
| 2026-06-30 | 1.87% | 0.1M | 7.2M | 13.36K |
| 2026-06-15 | 1.96% | 0.1M | 7.2M | 11.84K |
| 2026-05-29 | 2.13% | 0.2M | 7.2M | 11.54K |
| 2026-05-15 | 2.22% | 0.2M | 7.2M | 11.40K |
| 2026-04-30 | 2.53% | 0.2M | 7.2M | 11.45K |
| 2026-04-15 | 2.53% | 0.2M | 7.3M | 11.61K |
| 2026-03-31 | 2.65% | 0.2M | 7.3M | 10.29K |
| 2026-03-13 | 2.47% | 0.2M | 7.3M | 9.53K |
| 2026-02-27 | 2.58% | 0.2M | 7.3M | 10.66K |
| 2026-02-13 | 2.66% | 0.2M | 7.3M | 11.41K |
| 2026-01-30 | 2.61% | 0.2M | 7.3M | 10.97K |
| 2026-01-15 | 2.58% | 0.2M | 7.3M | 10.46K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-22 | 8-K | Current report | 2026-10-22 | SEC |
| 2026-09-23 | 3 | Initial statement of beneficial ownership of securities | 2026-09-16 | SEC |
| 2026-09-22 | 8-K | Current report | 2026-09-16 | SEC |
| 2026-08-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-05-21 | 8-K | Current report | 2026-05-20 | SEC |
| 2026-05-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-05-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-04-30 | SEC |
| 2026-04-23 | 8-K | Current report | 2026-04-23 | SEC |
| 2026-04-10 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-10 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-10 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2026-05-20 | SEC |
| 2026-03-26 | SCHEDULE 13G/A | SEC | ||
| 2026-03-25 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-03-20 | 4/A | 2024-12-18 | SEC | |
| 2026-02-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-02-09 | SEC |
| 2026-02-05 | 8-K | Current report | 2026-02-05 | SEC |
| 2026-01-09 | 8-K | Current report | 2026-01-09 | SEC |
| 2025-12-22 | 8-K | Current report | 2025-12-17 | SEC |
| 2025-12-19 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-17 | SEC |
| 2025-12-09 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-08 | SEC |
| 2025-11-07 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-10-22 | 8-K | Current report | 2025-10-22 | SEC |
| 2025-09-18 | 4 | Statement of changes in beneficial ownership of securities | 2025-09-16 | SEC |
| 2025-08-08 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
| 2025-07-24 | 8-K | Current report | 2025-07-24 | SEC |
| 2025-05-27 | 3 | Initial statement of beneficial ownership of securities | 2025-05-21 | SEC |
| 2025-05-22 | 8-K | Current report | 2025-05-21 | SEC |
| 2025-05-09 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-03-31 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 716 | 1 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 40.70K | 1 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 58.98K | 2 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| ALLIANCEBERNSTEIN L.P. | 8.62% |
| BlackRock, Inc. | 4.78% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.86% |
| GEODE CAPITAL MANAGEMENT, LLC | 1.96% |
| Sachetta, LLC | 1.36% |
| RENAISSANCE TECHNOLOGIES LLC | 0.96% |
| STATE STREET CORP | 0.89% |
| Oppenheimer & Close, LLC | 0.70% |
| NORTHERN TRUST CORP | 0.65% |
| MALTESE CAPITAL MANAGEMENT LLC | 0.63% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.86% |
| iShares Russell 2000 ETF | 1.30% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.92% |
| Fidelity Small Cap Index Fund | 0.86% |
| iShares Russell 2000 Value ETF | 0.81% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.48% |
| Fidelity Extended Market Index Fund | 0.39% |
| iShares Micro-Cap ETF | 0.29% |
| Schwab Small-Cap Index Fund | 0.20% |
| Fidelity Total Market Index Fund | 0.16% |
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