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ECB BancorpECBK 71 EV-to-OCF is 14.44 as of Aug. 13, 2026, which is 57% below its 10-year median of 33.21. GuruFocus rates ECBK with a GF Score™ of 71/100 and a GF Value™ of $21.71 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,497 Banks companies, ECB Bancorp ranks worse than 81.7% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, ECB Bancorp's Enterprise Value is $328.71 Mil.
ECB Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $22.76 Mil. Therefore, ECB Bancorp's EV-to-OCF for today is 14.44.
The historical rank and industry rank for ECB Bancorp's EV-to-OCF or its related term are showing as below:
ECBK'
s EV-to-OCF Range Over the Past 10 Years
Min: 13.74 Med: 33.21 Max: 76.21
Current: 14.44
During the past 6 years, the highest EV-to-OCF of ECB Bancorp was 76.21. The lowest was 13.74. And the median was 33.21.
ECBK's EV-to-OCF is ranked worse than 81.7% of 1497
companies
in the Banks industry
Industry Median: 3.98
vs ECBK: 14.44
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ECB Bancorp's PE Ratio (TTM) for today is calculated as:
ECB Bancorp's share price for today is $20.82.
ECB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.370.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ECB Bancorp EV-to-OCF Related Terms
ECB Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for ECB Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, ECB Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ECB Bancorp EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, ECB Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where ECB Bancorp's EV-to-OCF falls into.
ECB Bancorp's current Enterprise Value is $328.71 Mil.
ECB Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.76 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.
ECB Bancorp (ECBK) has a EV-to-OCF of 14.44 as of Aug. 13, 2026. This is 57% below median its historical median of 33.21. Over the past decade, ECB Bancorp's EV-to-OCF has ranged from 13.74 to 76.21. According to the industry distribution chart, ECB Bancorp ranks #1223 out of 1497 companies in the Banks industry, placing it in the top 81.7%.
Is ECB Bancorp's EV-to-OCF too high?
ECB Bancorp's current EV-to-OCF of 14.44 is 57% below median its 10-year median of 33.21. Over the past 10 years, this metric has ranged from a low of 13.74 to a high of 76.21. The Banks industry median EV-to-OCF is 3.98. ECB Bancorp's value of 14.44 is 262.8% above this industry median. Based on the distribution chart, ECB Bancorp ranks #1223 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-OCF compare to BCBP and BVFL?
According to the Banks industry distribution chart, ECB Bancorp ranks #1223 out of 1497 companies for EV-to-OCF. This places ECB Bancorp in the lower half of its industry. The industry median EV-to-OCF is 3.98. ECB Bancorp's value of 14.44 is 262.8% above this benchmark. Historically, ECB Bancorp's own EV-to-OCF has ranged from 13.74 to 76.21 over the past decade. While the company's 10-year median is 33.21 vs. the industry median of 3.98, ECB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ECB Bancorp's current EV-to-OCF of 14.44 is 262.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECB Bancorp's current EV-to-OCF is 14.44, which is 57% below median its own 10-year median of 33.21. 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 $21.71, compared to a current price of $20.82 — trading 4.1% below its estimated fair value. The current EV-to-OCF is 14.44, which is 57% below median its 10-year median of 33.21 and 262.8% above the Banks industry median of 3.98. ECB Bancorp's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current EV-to-OCF is 14.44 as of Aug. 13, 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 $20.82 is trading 4.1% below its estimated GF Value™ of $21.71.
GuruFocus considers ECB Bancorp to be Fairly Valued.
Key valuation signals for ECBK:
EV-to-OCF: 14.44 (57% below median its 10-year median of 33.21)
GF Value™: $21.71 vs. price of $20.82 (4.1% below fair value)
Industry Position: 262.8% above the Banks median (#1223 of 1497)
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 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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