ECBK (ECB Bancorp) Moat Score: 3/10 (As of Jun. 30, 2026)


ECBK ECB Bancorp Inc ECBK
71 GF Score
Price $19.98
GF Value $20.41
Valuation Fairly Valued
! 5 Warning Signs
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What is ECB Bancorp Moat Score?

ECB Bancorp ECBK +2.53% 71 Moat Score is 3 as of Jun. 30, 2026. 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. Among 1,613 Banks companies, ECB Bancorp ranks better than 74.52% on this metric.

ECB Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

ECB Bancorp has No Moat: ECB Bancorp Inc has a very weak moat. Operating in a competitive banking sector, it lacks significant market share, brand strength, or unique cost advantages, making its competitive position vulnerable to larger banks.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ECB Bancorp might have No Moat - Very weak/transient advantages.

ECB Bancorp  (NAS:ECBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ECB Bancorp Moat Score Related Terms

ECBK vs SBKO, CPKF, FGFH: Moat Score Comparison

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

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

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


ECBK
71GF Score
ECB Bancorp Inc ECBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
ECB Bancorp (ECBK) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, ECB Bancorp ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is ECB Bancorp's Moat Score too high?
ECB Bancorp's current Moat Score is 3. Based on the distribution chart, ECB Bancorp ranks #411 out of 1613 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 Moat Score compare to SBKO and CPKF?
According to the Banks industry distribution chart, ECB Bancorp ranks #411 out of 1613 companies for Moat Score. This puts ECB Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. ECB Bancorp's current Moat Score is 3. 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 $19.98 — trading 2.1% below its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current Moat Score is 3 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 $19.98 is trading 2.1% below its estimated GF Value™ of $20.41. GuruFocus considers ECB Bancorp to be Fairly Valued.

Key valuation signals for ECBK:

  • Moat Score: 3
  • GF Value™: $20.41 vs. price of $19.98 (2.1% 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.98
Price
$20.41
GF Value