ECB Bancorp, Inc. cash flow to debt ratio of 3.24% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

ECB Bancorp, Inc.'s free cash flow has increased 44.40% from $6.24M last year to $9.01M, signaling increasing performance

ECB Bancorp, Inc.'s debt to equity ratio is 1.58, which means that the company's assets are unhealthy financed, signaling financial risk.

ECB Bancorp, Inc.'s debt has increased relative to shareholder equity from 1.39 last year to 1.58 today, signaling weakened financials

ECB Bancorp, Inc. has a net debt to EBITDA ratio of 16.96x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

ECB Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

ECB Bancorp, Inc.'s profit margin has increased (125.72%) in the last year from 5.85% to 13.19%, signaling increasing performance

ECB Bancorp, Inc.'s short-term liabilities of $1.13B exceed its short-term assets of $109.02M, signaling financial risk

ECB Bancorp, Inc.'s return on assets of 0.68% is lower than the 5.00% threshold, indicating inefficient asset utilization

ECB Bancorp, Inc.'s return on equity of 6.55%, is lower than 15.00%, indicating bad performance

ECB Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

ECB Bancorp, Inc. has insufficient public price history to evaluate earnings stability.

ECB Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

ECB Bancorp, Inc. has a free cash flow yield of 5.13%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

ECB Bancorp, Inc.'s yearly earnings has increased 94.74% since last year from $3.99M to $7.77M, signaling increasing performance

ECB Bancorp, Inc.'s yearly revenue has increased 14.51% since last year from $68.27M to $78.18M, signaling increasing performance

ROIC -1.08% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

ECB Bancorp, Inc.'s 3-year revenue CAGR of 37.54% is positive, indicating growing revenue over the past 3 years

ECB Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

ECB Bancorp, Inc. has insufficient public price history to evaluate ROE consistency.

ECB Bancorp, Inc. has insufficient data to evaluate this check.

ECB Bancorp, Inc. has an earnings yield of 7.12%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

ECB Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

ECB Bancorp, Inc. has an EV/EBITDA ratio of 33.40x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

ECB Bancorp, Inc. has insufficient data to evaluate this check.

ECB Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

ECB Bancorp, Inc. has a price-to-book ratio of 0.89x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

ECB Bancorp, Inc. has a price-to-sales ratio of 1.85x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue