ECBK (ECB Bancorp) Change In Receivables: $-0.99 Mil (TTM As of Mar. 2026)

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ECBK ECB Bancorp Inc ECBK
71 GF Score
Price $20.39
GF Value $20.61
Valuation Fairly Valued
! 5 Warning Signs
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What is ECB Bancorp Change In Receivables?

ECB Bancorp ECBK +1.28% 71 Change In Receivables is $-0.99 Mil as of Mar. 2026. GuruFocus rates ECBK with a GF Score™ of 71/100 and a GF Value™ of $20.61 (Fairly Valued). The stock has 5 warning signs investors should review.

ECB Bancorp's change in receivables for the quarter that ended in Mar. 2026 was $-0.12 Mil. It means ECB Bancorp's Accounts Receivable increased by $0.12 Mil from Dec. 2025 to Mar. 2026 .

ECB Bancorp's change in receivables for the fiscal year that ended in Dec. 2025 was $-1.20 Mil. It means ECB Bancorp's Accounts Receivable increased by $1.20 Mil from Dec. 2024 to Dec. 2025 .

ECB Bancorp's Accounts Receivable for the quarter that ended in Mar. 2026 was $5.33 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. ECB Bancorp's Days Sales Outstanding for the three months ended in Mar. 2026 was 47.86.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. ECB Bancorp's liquidation value for the three months ended in Mar. 2026 was $-1,310.52 Mil.

ECB Bancorp  (NAS:ECBK) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

ECB Bancorp's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=5.329/10.161*91
=47.86

2. In Ben Graham's calculation of liquidation value, ECB Bancorp's accounts receivable are only considered to be worth 75% of book value:

ECB Bancorp's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=159.854-1474.368+0.75 * 5.329+0.5 * 0
=-1,310.52

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ECB Bancorp Change In Receivables Related Terms

ECB Bancorp Change In Receivables Historical Data

* Premium members only.

The historical data trend for ECB Bancorp's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ECB Bancorp Change In Receivables Chart

ECB Bancorp Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial 0.34 -1.15 -1.13 -0.25 -1.20

ECB Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.43 -0.48 0.04 -0.12 0.00
ECBK
71GF Score
ECB Bancorp Inc ECBK
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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ECB Bancorp Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.99 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-0.99 Mil mean?
ECB Bancorp (ECBK) has a Change In Receivables of $-0.99 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for ECB Bancorp and its competitors.
Is ECB Bancorp's Change In Receivables too high?
ECB Bancorp's current Change In Receivables is $-0.99 Mil. Overall, ECB Bancorp has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ECB Bancorp's Change In Receivables compare to BCBP and BVFL?
ECB Bancorp's Change In Receivables of $-0.99 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for ECB Bancorp and its competitors. ECB Bancorp's current Change In Receivables is $-0.99 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, ECB Bancorp (ECBK) is currently considered Fairly Valued. The stock's GF Value™ is $20.61, compared to a current price of $20.39 — trading 1.1% below its estimated fair value. The current Change In Receivables is $-0.99 Mil. ECB Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current Change In Receivables is $-0.99 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ECB Bancorp (ECBK) Overvalued in 2026?

Based on GuruFocus' analysis, ECB Bancorp stock appears to be undervalued. The current stock price of $20.39 is trading 1.1% below its estimated GF Value™ of $20.61. GuruFocus considers ECB Bancorp to be Fairly Valued.

Key valuation signals for ECBK:

  • Change In Receivables: $-0.99 Mil
  • GF Value™: $20.61 vs. price of $20.39 (1.1% below fair value)
  • GF Score™: 71/100 with 5 warning signs

No single metric tells the full story. See the ECBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ECB Bancorp Business Description

Address 419 Broadway, Everett, MA, USA, 02149
ECB Bancorp Inc operates as a bank holding company. The firm, through its subsidiary, engages in business consisting of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate, multifamily real estate loans, construction and land loans, and home equity lines of credit.
71GF Score

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Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.39
Price
$20.61
GF Value