ECB BancorpECBK +1.56%71 EV-to-FCF is 24.82 as of Jun. 28, 2026, which is 30% below its 10-year median of 35.35. GuruFocus rates ECBK with a GF Score™ of 71/100 and a GF Value™ of $20.41 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,196 Banks companies, ECB Bancorp ranks worse than 86.29% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ECB Bancorp's Enterprise Value is $309.30 Mil.
ECB Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $12.46 Mil. Therefore, ECB Bancorp's EV-to-FCF for today is 24.82.
The historical rank and industry rank for ECB Bancorp's EV-to-FCF or its related term are showing as below:
ECBK'
s EV-to-FCF Range Over the Past 10 Years
Min: 22.35 Med: 35.35 Max: 82.22
Current: 24.82
During the past 6 years, the highest EV-to-FCF of ECB Bancorp was 82.22. The lowest was 22.35. And the median was 35.35.
ECBK's EV-to-FCF is ranked worse than 86.29% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs ECBK: 24.82
EV-to-FCF 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-FCF 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 $19.565.
ECB Bancorp's Earnings per Share (Diluted) 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 $1.150.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ECB Bancorp EV-to-FCF Related Terms
ECB Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for ECB Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, ECB Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ECB Bancorp's EV-to-FCF falls into.
ECB Bancorp's current Enterprise Value is $309.30 Mil.
ECB Bancorp's Free Cash Flow 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 $12.46 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-FCF of 24.82 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ECB Bancorp and its competitors. This is 30% below median its historical median of 35.35. Over the past decade, ECB Bancorp's EV-to-FCF has ranged from 22.35 to 82.22. According to the industry distribution chart, ECB Bancorp ranks #1032 out of 1196 companies in the Banks industry, placing it in the top 86.3%.
Is ECB Bancorp's EV-to-FCF too high?
ECB Bancorp's current EV-to-FCF of 24.82 is 30% below median its 10-year median of 35.35. Over the past 10 years, this metric has ranged from a low of 22.35 to a high of 82.22. The Banks industry median EV-to-FCF is 6.56. ECB Bancorp's value of 24.82 is 278.6% above this industry median. Based on the distribution chart, ECB Bancorp ranks #1032 out of 1196 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-FCF compare to MNSB and BKUT?
According to the Banks industry distribution chart, ECB Bancorp ranks #1032 out of 1196 companies for EV-to-FCF. This places ECB Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. ECB Bancorp's value of 24.82 is 278.6% above this benchmark. Historically, ECB Bancorp's own EV-to-FCF has ranged from 22.35 to 82.22 over the past decade. While the company's 10-year median is 35.35 vs. the industry median of 6.56, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ECB Bancorp's current EV-to-FCF of 24.82 is 278.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ECB Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECB Bancorp's current EV-to-FCF is 24.82, which is 30% below median its own 10-year median of 35.35. 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 $20.41, compared to a current price of $19.57 — trading 4.1% below its estimated fair value. The current EV-to-FCF is 24.82, which is 30% below median its 10-year median of 35.35 and 278.6% above the Banks industry median of 6.56. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current EV-to-FCF is 24.82 as of Jun. 28, 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 $19.57 is trading 4.1% below its estimated GF Value™ of $20.41.
GuruFocus considers ECB Bancorp to be Fairly Valued.
Key valuation signals for ECBK:
EV-to-FCF: 24.82 (30% below median its 10-year median of 35.35)
GF Value™: $20.41 vs. price of $19.57 (4.1% below fair value)
Industry Position: 278.6% above the Banks median (#1032 of 1196)
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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