ECBK (ECB Bancorp) GF Score: 71/100 (As of Jun. 30, 2026) — 255% Above Median


ECBK ECB Bancorp Inc ECBK
71 GF Score
Price $20.02
GF Value $20.41
Valuation Fairly Valued
! 5 Warning Signs
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What is ECB Bancorp GF Score?

ECB Bancorp ECBK +0.50% 71 GF Score is 71 as of Jun. 30, 2026, which is 255% above its 10-year median of 20.00. GuruFocus rates ECBK with a GF Score™ of 71/100 and a GF Value™ of $20.41 (Fairly Valued). The stock has 5 warning signs investors should review.

ECB Bancorp has the GF Score of 71, which implies that the company is Likely to have average performance.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 3/10
2. Profitability Rank : 5/10
3. Growth Rank : 5/10
4. GF Value Rank : 9/10
5. Momentum Rank : 10/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes ECB Bancorp is Likely to have average performance.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

ECB Bancorp  (NAS:ECBK) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

ECB Bancorp GF Score Related Terms

ECBK vs SBKO, CPKF, FGFH: GF Score Comparison

For the Banks - Regional subindustry, ECB Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry

For the Banks industry and Financial Services sector, ECB Bancorp's GF Score distribution charts can be found below:

* The bar in red indicates where ECB Bancorp's GF Score falls into.


ECBK
71GF Score
ECB Bancorp Inc ECBK
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 71 mean?
ECB Bancorp (ECBK) has a GF Score of 71 as of Jun. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on ECB Bancorp and its competitors. This is 255% above median its historical median of 20.00. Over the past decade, ECB Bancorp's GF Score has ranged from 12.00 to 74.00.
Is ECB Bancorp's GF Score too high?
ECB Bancorp's current GF Score of 71 is 255% above median its 10-year median of 20.00. Over the past 10 years, this metric has ranged from a low of 12.00 to a high of 74.00. 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 GF Score compare to SBKO and CPKF?
ECB Bancorp's GF Score of 71 can be compared against companies in the Banks industry. Historically, ECB Bancorp's own GF Score has ranged from 12.00 to 74.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on ECB Bancorp and its competitors. ECB Bancorp's current GF Score is 71, which is 255% above median its own 10-year median of 20.00. 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 $20.02 — trading 1.9% below its estimated fair value. The current GF Score is 71, which is 255% above median its 10-year median of 20.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current GF Score is 71 as of Jun. 30, 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 $20.02 is trading 1.9% below its estimated GF Value™ of $20.41. GuruFocus considers ECB Bancorp to be Fairly Valued.

Key valuation signals for ECBK:

  • GF Score: 71 (255% above median its 10-year median of 20.00)
  • GF Value™: $20.41 vs. price of $20.02 (1.9% 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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$20.02
Price
$20.41
GF Value