ECB Bancorp, Inc. /MD/ (ECBK)
Savings Institutions, Not Federally Chartered · Financial Services · $168M
Intrinsic Value (Consensus)
$24.11
Current Price
$19.18
Margin of Safety
+25.7%
25.7% Below Intrinsic Value
Value: $24
Price: $19
Valuation Model Estimates
Current Price: $19.18
DCF (Discounted Cash Flow)
$48.14
Graham Number
$20.36
Earnings Power Value
$9.13
Relative Value (P/E)
$18.80
Dividend Discount Model
Not applicable
—
Consensus Value
$24.11
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
12/25
Strength
17/25
Valuation
19/25
Growth
13/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $0.94
- EPS (Forward)
- $1.13
- Book Value
- $19.60
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 4.5%
- Debt/Equity
- —
- Revenue Growth
- 3.6%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance