ECB BancorpECBK +1.56%71 FCF Margin % is 27.62% as of Mar. 2026, which is 1% below its 10-year median of 28.04. 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 1,509 Banks companies, ECB Bancorp ranks better than 62.89% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. ECB Bancorp's Free Cash Flow for the
three
months ended in Mar. 2026 was $2.81 Mil. ECB Bancorp's Revenue for the
three
months ended in Mar. 2026 was $10.16 Mil. Therefore, ECB Bancorp's FCF Margin % for the quarter that ended in Mar. 2026 was 27.62%.
The historical rank and industry rank for ECB Bancorp's FCF Margin % or its related term are showing as below:
ECBK'
s FCF Margin % Range Over the Past 10 Years
Min: 23.53 Med: 28.04 Max: 34.15
Current: 34.15
During the past 6 years, the highest FCF Margin % of ECB Bancorp was 34.15%. The lowest was 23.53%. And the median was 28.04%.
ECBK's FCF Margin % is ranked better than 62.89% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs ECBK: 34.15
ECB Bancorp FCF Margin % Related Terms
ECB Bancorp FCF Margin % Historical Data
* Premium members only.
The historical data trend for ECB Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ECB Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where ECB Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 27.62% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ECB Bancorp and its competitors. This is near median its historical median of 28.04. Over the past decade, ECB Bancorp's FCF Margin % has ranged from 23.53 to 34.15. According to the industry distribution chart, ECB Bancorp ranks #560 out of 1509 companies in the Banks industry, placing it in the top 37.1%.
Is ECB Bancorp's FCF Margin % too high?
ECB Bancorp's current FCF Margin % of 27.62% is near median its 10-year median of 28.04. Over the past 10 years, this metric has ranged from a low of 23.53 to a high of 34.15. The Banks industry median FCF Margin % is 26.55. ECB Bancorp's value of 27.62% is 4% above this industry median. Based on the distribution chart, ECB Bancorp ranks #560 out of 1509 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to SBKO and CPKF?
According to the Banks industry distribution chart, ECB Bancorp ranks #560 out of 1509 companies for FCF Margin %. This puts ECB Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. ECB Bancorp's value of 27.62% is 4% above this benchmark. Historically, ECB Bancorp's own FCF Margin % has ranged from 23.53 to 34.15 over the past decade. While the company's 10-year median is 28.04 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ECB Bancorp's current FCF Margin % of 27.62% is 4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ECB Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECB Bancorp's current FCF Margin % is 27.62%, which is near median its own 10-year median of 28.04. 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 FCF Margin % is 27.62%, which is near median its 10-year median of 28.04 and 4% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current FCF Margin % is 27.62% 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 $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:
FCF Margin %: 27.62% (near median its 10-year median of 28.04)
GF Value™: $20.41 vs. price of $19.57 (4.1% below fair value)
Industry Position: 4% above the Banks median (#560 of 1509)
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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