What is the 13F Pro Quality Score for ECBK?

13F Pro ranks ECB Bancorp, Inc. /MD/ (ECBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ECBK's current score at https://13fpro.ai/research/ECBK (free sign-up required for the full ranking).

Which hedge funds own the most ECBK stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ECBK include ALLIANCEBERNSTEIN L.P., BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/ECBK as soon as new 13F filings post.

Where does 13F Pro source ECBK data?

All ECB Bancorp, Inc. /MD/ fundamentals and ownership data come directly from SEC EDGAR. ECB Bancorp, Inc. /MD/ files with the SEC under CIK 1914605. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ECBK in?

ECB Bancorp, Inc. /MD/ (ECBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ECBK research updated on 13F Pro?

ECBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ECB Bancorp, Inc. /MD/(ECBK)Stock Analysis

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SEC EDGAR: CIK 1914605 ECBK stock profile & AI dashboard →

13F Pro Quality Score

33.0/100

Rank #2,245 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

30.0/100

Profitability

30.0/100

Balance Sheet

39.3/100

Earnings Quality

80.7/100

Free Cash Flow

30.0/100

Institutional Flow

40.2/100

Revenue Scale

30.0/100

Dilution Risk

1.8/100

ECBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for ECB Bancorp, Inc. /MD/ (ECBK), a Financials sector company. 13F Pro's AI-powered ranking engine scores ECBK at 33.0/100 on a 32-signal composite quality model, placing it at rank #2,245 of 2,879 stocks — the bottom half of the AI-ranked universe. ECBK scores in the top quartile across earnings quality (80.7). Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 1.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), ECB Bancorp, Inc. /MD/ reports quarterly revenue of $10.2M, net income of $3.1M, an operating margin of 41.9%. Top institutional holders of ECBK by reported 13-F value include ALLIANCEBERNSTEIN L.P., BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. ECBK trades on the Nasdaq exchange and files with the SEC under CIK 1914605. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ECBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ECB Bancorp, Inc. /MD/ directly from SEC EDGAR. ECB Bancorp, Inc. /MD/'s 13F Pro composite quality score has ranged between 31 and 33 since 2026, currently 33.0 — a stable long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about ECB Bancorp, Inc. /MD/

Quirks, history, and lore behind ECBK — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in Maryland.
2
The Numbers
Total assets in the range of roughly $2 billion, with a focus on commercial real estate and business lending — the bread and butter of regional banking.
3
The History
Founded in the 2000s, it grew steadily through the Baltimore–Washington corridor, one of the more competitive community banking markets on the East Coast.
4
The Secret
Its business model leans heavily on relationship banking — courting small and mid-sized businesses that bigger banks routinely ignore in favor of the next megadeal.
5
The Lore
The bank operates primarily across Howard County and surrounding Maryland suburbs, a quietly affluent stretch sitting between two of the busiest cities on the Eastern Seaboard.
6
The Giveaway
Its ticker is basically its own initials — ECBK on Nasdaq — because when you're ECB Bancorp out of Maryland, subtlety was never really the plan.

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Revenue

Q1 2026

$10.2M

Net Income

Q1 2026

$3.1M

Free Cash Flow

Q1 2026

$2.8M

Operating Margin

Q1 2026

41.9%

ROIC

Q1 2026

2.4%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+3.6% YoY

$598.0KFY 2025

FY22 —FY23 —FY24 $577.0KFY25 $598.0K

Net Income

+94.7% YoY

$7.8MFY 2025

FY22 $2.7MFY23 $4.5MFY24 $4.0MFY25 $7.8M

EPS (Diluted)

+95.8% YoY

$0.94FY 2025

FY22 $0.32FY23 $0.52FY24 $0.48FY25 $0.94

Total Assets

+13.2% YoY

$1.61BFY 2025

FY22 $1.06BFY23 $1.28BFY24 $1.42BFY25 $1.61B

Op. Cash Flow

+48.0% YoY

$9.2MFY 2025

FY22 $7.8MFY23 $6.4MFY24 $6.2MFY25 $9.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$598.0K +3.6%	$577.0K	—	—	—	—
Net Income	$7.8M +94.7%	$4.0M -10.4%	$4.5M +63.8%	$2.7M -32.7%	$4.0M	—
EPS (Diluted)	$0.94 +95.8%	$0.48 -7.7%	$0.52 +62.5%	$0.32	—	—
Total Assets	$1.61B +13.2%	$1.42B +10.8%	$1.28B +20.3%	$1.06B +59.7%	$666.5M	—
Operating Cash Flow	$9.2M +48.0%	$6.2M -3.2%	$6.4M -17.2%	$7.8M +20.5%	$6.4M	—

AI Insight: ECBK Financial Trends

ECB Bancorp shows accelerating profitability with net income tripling from $1M to $3M over the past year.

• Net income accelerated from $1M in Q2 2024 to $3M in Q1 2026, with growth picking up in Q3 2025.

• Equity grew steadily from $166M in Q2 2024 to $176M in Q1 2026.

• Operating cash flow turned negative to -$1M in Q1 2025 but recovered to $3M by Q1 2026.

⚠ Revenue data missing for most periods, limiting visibility into top-line performance drivers.

⚠ Operating cash flow volatility with negative $1M in Q1 2025 warrants monitoring for consistency.

AI Insight: ECBK Ratio Trends

ECB Bancorp's profitability metrics surged dramatically, with ROE climbing from 1.9% in Q2 2024 to 7.1% in Q1 2026.

• ROE expanded from 1.9% in Q2 2024 to 7.1% in Q1 2026, nearly quadrupling over eight quarters.

• ROIC jumped from 2.5% in Q2 2024 to 9.7% in Q1 2026, showing strong capital efficiency gains.

• ROA improved from 0.2% in Q2 2024 to 0.8% in Q1 2026, indicating better asset utilization.

⚠ TTM ROE of 5.5% lags the Q1 2026 quarterly figure of 7.1%, suggesting recent acceleration.

⚠ All profitability metrics declined from Q4 2024 to Q1 2025 before resuming upward trajectory.

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Available Research

13F Pro tracks comprehensive data for ECB Bancorp, Inc. /MD/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ECBK

ALLIANCEBERNSTEIN L.P.
$13.7M787,279 sh
BlackRock, Inc.
$6.6M394,646 sh
VANGUARD CAPITAL MANAGEMENT LLC
$6.4M383,922 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.6M154,247 sh
Sachetta, LLC
$2.0M118,853 sh
RENAISSANCE TECHNOLOGIES LLC
$1.5M87,866 sh
STATE STREET CORP
$1.3M79,592 sh
NORTHERN TRUST CORP
$1.1M63,403 sh
Oppenheimer & Close, LLC
$1.0M61,007 sh
MALTESE CAPITAL MANAGEMENT LLC
$923.5K55,198 sh

Fund	Value	Shares
ALLIANCEBERNSTEIN L.P.	$13.7M	787,279
BlackRock, Inc.	$6.6M	394,646
VANGUARD CAPITAL MANAGEMENT LLC	$6.4M	383,922
GEODE CAPITAL MANAGEMENT, LLC	$2.6M	154,247
Sachetta, LLC	$2.0M	118,853
RENAISSANCE TECHNOLOGIES LLC	$1.5M	87,866
STATE STREET CORP	$1.3M	79,592
NORTHERN TRUST CORP	$1.1M	63,403
Oppenheimer & Close, LLC	$1.0M	61,007
MALTESE CAPITAL MANAGEMENT LLC	$923.5K	55,198

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Is ECBK a good stock to buy?

13F Pro's AI-powered analysis of ECB Bancorp, Inc. /MD/ (ECBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ECBK are available on the ECBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ECBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ECBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ECB Bancorp, Inc. /MD/'s investment landscape.