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ECB BancorpECBK +3.02%76 OCF Yield % is 12.51 as of Aug. 13, 2026, which is 121% above its 10-year median of 5.67. GuruFocus rates ECBK with a GF Score™ of 76/100 and a GF Value™ of $21.71 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,496 Banks companies, ECB Bancorp ranks better than 65.04% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
ECB Bancorp OCF Yield % Related Terms
ECB Bancorp OCF Yield % Historical Data
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The historical data trend for ECB Bancorp's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, ECB Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where ECB Bancorp's OCF Yield % 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 OCF Yield % of 12.51 as of Aug. 13, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on ECB Bancorp and its competitors. This is 121% above median its historical median of 5.67. Over the past decade, ECB Bancorp's OCF Yield % has ranged from 1.22 to 13.71. According to the industry distribution chart, ECB Bancorp ranks #523 out of 1496 companies in the Banks industry, placing it in the top 35%.
Is ECB Bancorp's OCF Yield % too high?
ECB Bancorp's current OCF Yield % of 12.51 is 121% above median its 10-year median of 5.67. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 13.71. The Banks industry median OCF Yield % is 9.17. ECB Bancorp's value of 12.51 is 36.4% above this industry median. Based on the distribution chart, ECB Bancorp ranks #523 out of 1496 companies in the Banks industry, which is above the industry midpoint. Overall, ECB Bancorp has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ECB Bancorp's OCF Yield % compare to BCBP and BVFL?
According to the Banks industry distribution chart, ECB Bancorp ranks #523 out of 1496 companies for OCF Yield %. This puts ECB Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.17. ECB Bancorp's value of 12.51 is 36.4% above this benchmark. Historically, ECB Bancorp's own OCF Yield % has ranged from 1.22 to 13.71 over the past decade. While the company's 10-year median is 5.67 vs. the industry median of 9.17, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.17, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ECB Bancorp's current OCF Yield % of 12.51 is 36.4% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on ECB Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECB Bancorp's current OCF Yield % is 12.51, which is 121% above median its own 10-year median of 5.67. 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 OCF Yield % is 12.51, which is 121% above median its 10-year median of 5.67 and 36.4% above the Banks industry median of 9.17. ECB Bancorp's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current OCF Yield % is 12.51 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:
OCF Yield %: 12.51 (121% above median its 10-year median of 5.67)
GF Value™: $21.71 vs. price of $20.82 (4.1% below fair value)
Industry Position: 36.4% above the Banks median (#523 of 1496)
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.
76GF Score
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