All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2022; the latest 2024-03-12.
From the record
ECB Bancorp, Inc.'s filings since 2022 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2024-03-12) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+36.7% a year over 5 filed years; profitable in 5 of 5.
From the record
ECB Bancorp, Inc.'s 5 filed years say what it did: revenue went from $22 million in fiscal 2021 to $78 million in fiscal 2025, up 36.7% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 5 of 5 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.6% a year. 44% of cash flow returned. Insiders: 0 sales, 18 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, ECB Bancorp, Inc.'s diluted share count shrank about 0.6% a year, and dividends and buybacks returned about 44% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 18 purchases of their own stock on the open market in the year to 2026-09-30, buying about $100 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 5%: 5¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, ECB Bancorp, Inc. earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 43% of 22 in its family; net margin 9.9%.
From the record
ECB Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $78 million in fiscal 2025 ranks in the bottom 39% by size; a net margin of 9.9% ranks in the bottom 39%; revenue growth of 38.9% a year over the last 3 filed years ranks in the top 7% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 1.8/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: ECB Bancorp, Inc.'s leadership is put at 1.8 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 18% of 22 in its family; the record of its people begins on 2022-07-27 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.3 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
SI estimate 3.9/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: ECB Bancorp, Inc.'s room to expand is put at 3.9 of 10 with a confidence of 35 of 100, because read from one part only, cash from operations less capital spending against revenue, which ranks in the bottom 39% of 23 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.
What could actually drive growth from here?
top 33% of 19 in its family for growth drivers.
From the record
ECB Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 38.9% a year over the last three filed years against 36.7% over all 5, speeding up (top 45% of its family); the newest year grew 16.6% (top 13%); capital spending grew -0.3% a year (top 42%) (its annual reports). ECB Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 38% of 17 in its family for expectations against reality.
From the record
ECB Bancorp, Inc.'s newest year against its own record: revenue of $78 million in fiscal 2025 came in 23.1% below the $102 million its prior three years' pace pointed to (bottom 26% of its family); net income of $8 million against a prior three-year average of $4 million (top 15%); a net margin of 9.9% against 7.8% before (top 26%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made