Stock fact sheet · data as of
ECB Bancorp, Inc. (ECBK): fair value, margin of safety and Wheel Score
Ticker symbol ECBK · Financial Services · Banks - Regional · United States · Blend
Is ECBK undervalued?
ECB Bancorp, Inc. (ECBK) closed at 22.97 on 5 Nov 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 57.81, which puts the price 60% below it. 6 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DCF (16.34) and Payback Time (111.00). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for ECBK, so the nightly engine files it under Blend (value score 69, growth score 79, out of 100).
Nine valuation models for ECBK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 16.34 | -29% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 28.39 | +24% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 88.57 | +286% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 38.71 | +69% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 94.80 | +313% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 67.50 | +194% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 111.00 | +383% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 17.20 | -25% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -151.61 | -760% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
ECB Bancorp, Inc. scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 4.5/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 1.7%, ROE 4.5%, ROA 0.5% - with debt at 1.66 times equity and a free-cash-flow yield of 11.2%.
ECB Bancorp, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 4/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 1.7% |
|---|---|---|---|
| GLS Moat | 4.5 / 10 | ROE | 4.5% |
| Debt / equity | 1.66 | ROA | 0.5% |
| Free-cash-flow yield | 11.2% | Payout ratio | 0% |
| Institutions | 4 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 35: No options
No options are listed on ECB Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 35, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 14k shares a day on a market cap of $201M, with a beta of 0.44 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $201M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 60% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.5/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.44, $201M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ECBK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to ECB Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CSBB CSB Bancorp, Inc. | 76.36 | 81.05 | +6% | 25No options | $201M |
| SBKO Summit Bank Group, Inc. | 25.75 | 51.16 | +50% | 34No options | $201M |
| RBKB Rhinebeck Bancorp, Inc. | 13.03 | 12.40 | -5% | 17No options | $204M |
| LARK Landmark Bancorp, Inc. | 32.39 | 46.50 | +30% | 34No options | $198M |
| MRBK Meridian Corporation | 17.12 | 38.18 | +55% | 30No options | $204M |
| TYFG Tri-County Financial Group, Inc. | 84.00 | 91.66 | +8% | 25No options | $205M |
| INBC InBankshares, Corp | 16.30 | 14.08 | -16% | 18No options | $195M |
| FNWD Finward Bancorp | 44.66 | 71.06 | +37% | 34No options | $193M |
| BMBN Benchmark Bankshares, Inc. | 43.40 | 126.07 | +66% | 37No options | $193M |
| PSBQ PSB Holdings, Inc. | 52.00 | 50.10 | -4% | 21No options | $209M |
| CBFV CB Financial Services, Inc. | 41.20 | 40.65 | -1% | 18No options | $209M |
| FINW FinWise Bancorp | 13.67 | 31.25 | +56% | 33No options | $190M |
⚖ Compare ECBK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ECBK
Is ECBK undervalued right now?
By the GLS models, yes: at 22.97 the stock is 60% below the average fair value of 57.81 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ECBK and what does it mean?
ECBK has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for ECBK?
57.81 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does ECB Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for ECBK in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does ECBK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ECBK, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.