ECBK (ECB Bancorp) GF Value Rank: 9 (As of Jul. 16, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ECBK ECB Bancorp Inc ECBK
71 GF Score
Price $20.27
GF Value $20.52
Valuation Fairly Valued
! 5 Warning Signs
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What is ECB Bancorp GF Value Rank?

ECB Bancorp ECBK +0.80% 71 GF Value Rank is 9 as of Jul. 16, 2026, which is at its 10-year median of 9.00. GuruFocus rates ECBK with a GF Score™ of 71/100 and a GF Value™ of $20.52 (Fairly Valued). The stock has 5 warning signs investors should review.

ECB Bancorp has the GF Value Rank of 9.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

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

ECB Bancorp GF Value Rank Related Terms

ECBK vs SBKO, CPKF, FGFH: GF Value Rank Comparison

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

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

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


ECBK
71GF Score
ECB Bancorp Inc ECBK
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 9 mean?
ECB Bancorp (ECBK) has a GF Value Rank of 9 as of Jul. 16, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on ECB Bancorp and its competitors. This is near median its historical median of 9.00. Over the past decade, ECB Bancorp's GF Value Rank has ranged from 6.00 to 10.00.
Is ECB Bancorp's GF Value Rank too high?
ECB Bancorp's current GF Value Rank of 9 is near median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 10.00. 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 Value Rank compare to SBKO and CPKF?
ECB Bancorp's GF Value Rank of 9 can be compared against companies in the Banks industry. Historically, ECB Bancorp's own GF Value Rank has ranged from 6.00 to 10.00 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 Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on ECB Bancorp and its competitors. ECB Bancorp's current GF Value Rank is 9, which is near median its own 10-year median of 9.00. 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 $20.52, compared to a current price of $20.27 — trading 1.2% below its estimated fair value. The current GF Value Rank is 9, which is near median its 10-year median of 9.00. 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 Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For ECB Bancorp (ECBK), the current GF Value Rank is 9 as of Jul. 16, 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 $20.27 is trading 1.2% below its estimated GF Value™ of $20.52. GuruFocus considers ECB Bancorp to be Fairly Valued.

Key valuation signals for ECBK:

  • GF Value Rank: 9 (near median its 10-year median of 9.00)
  • GF Value™: $20.52 vs. price of $20.27 (1.2% 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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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$20.52
GF Value