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ECBK (ECB Bancorp) Return-on-Tangible-Equity : 3.08% (As of Mar. 2025)


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What is ECB Bancorp Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. ECB Bancorp's annualized net income for the quarter that ended in Mar. 2025 was $5.19 Mil. ECB Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2025 was $168.42 Mil. Therefore, ECB Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 was 3.08%.

The historical rank and industry rank for ECB Bancorp's Return-on-Tangible-Equity or its related term are showing as below:

ECBK' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.27   Med: 2.72   Max: 6.65
Current: 2.79

During the past 5 years, ECB Bancorp's highest Return-on-Tangible-Equity was 6.65%. The lowest was 2.27%. And the median was 2.72%.

ECBK's Return-on-Tangible-Equity is ranked worse than
87.32% of 1577 companies
in the Banks industry
Industry Median: 10.28 vs ECBK: 2.79

ECB Bancorp Return-on-Tangible-Equity Historical Data

The historical data trend for ECB Bancorp's Return-on-Tangible-Equity 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.

* Premium members only.

ECB Bancorp Return-on-Tangible-Equity Chart

ECB Bancorp Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
6.65 5.38 2.27 2.72 2.40

ECB Bancorp Quarterly Data
Dec20 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Return-on-Tangible-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.50 1.90 2.73 3.46 3.08

Competitive Comparison of ECB Bancorp's Return-on-Tangible-Equity

For the Banks - Regional subindustry, ECB Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, ECB Bancorp's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where ECB Bancorp's Return-on-Tangible-Equity falls into.


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ECB Bancorp Return-on-Tangible-Equity Calculation

ECB Bancorp's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=3.991/( (164.901+168.268 )/ 2 )
=3.991/166.5845
=2.40 %

ECB Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Mar. 2025 )  (Q: Dec. 2024 )(Q: Mar. 2025 )
=5.188/( (168.268+168.578)/ 2 )
=5.188/168.423
=3.08 %

* 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.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Mar. 2025) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


ECB Bancorp  (NAS:ECBK) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


ECB Bancorp Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of ECB Bancorp's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


ECB Bancorp Business Description

Traded in Other Exchanges
N/A
Address
419 Broadway, Everett, MA, USA, 02149
ECB Bancorp Inc operates as a bank holding company of Everett Co-operative Bank. 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, and multifamily real estate loans, construction and land loans and home equity lines of credit.
Executives
Brandon Lavertu officer: CAO 419 BROADWAY, EVERETT MA 01249
John A Citrano officer: EVP, COO and CFO 2 LEONARD STREET, BELMONT MA 02478
Paul A Delroy director 419 BROADWAY, EVERETT MA 01249
O'neil Richard J Jr director, officer: President and CEO 419 BROADWAY, EVERETT MA 01249
John Migliozzi officer: EVP and CLO 67 PROSPECT STREET, PEABODY MA 01960
Marjorie A White director 419 BROADWAY, EVERETT MA 01249
Dennis J Leonard director, other: Chairman of the Board 419 BROADWAY, EVERETT MA 01249
Susan Sgroi director 419 BROADWAY, EVERETT MA 01249
Joseph Sachetta director 419 BROADWAY, EVERETT MA 01249
Elizabeth P Jones director 419 BROADWAY, EVERETT MA 01249

ECB Bancorp Headlines

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