ECB Bancorp

ECB Bancorp Gross Margin

The Gross Margin of ECB Bancorp (ECBK) as of Oct 31, 2026 is 39.88 %. In the previous year, Gross Margin was 38.14 % — a change of 4.56% (higher).

Gross Margin

39.88 %

YoY

4.56%

Last updated:

Gross Margin of ECB Bancorp is 2025 39.88 % . Gross Margin of ECB Bancorp was 2024 38.14 % . It decreases by 4.56% higher compared to the previous year.

ECB Bancorp's gross margin stands at 95.4%, down from 98.2% several years earlier.

The ECB Bancorp Gross Margin history

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Gross Margin
Date
Gross Margin
Jan 1, 2020
73.96 USD
Jan 1, 2021
82.87 USD
Jan 1, 2022
72.33 USD
Jan 1, 2023
44.85 USD
Jan 1, 2024
38.14 USD
Jan 1, 2025
39.88 USD
The ECB Bancorp Gross Margin history
YEARGross MarginYoY
39.88 %+4.56%
38.14 %-14.96%
44.85 %-37.99%
72.33 %-12.72%
82.87 %+12.06%
73.96 %—

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ECB Bancorp Stock analysis

What does ECB Bancorp do? ECB Bancorp, Inc. generates revenue primarily through its banking operations, offering residential real estate loans, commercial real estate loans, multifamily loans, construction and land loans, and home equity lines of credit. The company invests deposits and operational funds into these loan categories alongside securities like U.S. government obligations, mortgage-backed securities, and corporate bonds. It serves customers in Middlesex, Essex, and Suffolk Counties, Massachusetts, providing deposit accounts such as certificates of deposit, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. The Bank's primary market focus is Middlesex, Essex, and Suffolk Counties, Massachusetts, where it targets individual and business clients seeking residential and commercial lending solutions. Customers include homeowners, property developers, and local businesses that require financing for one-to-four-family homes, commercial properties, and construction projects. The company's deposit products attract retail customers looking for savings and checking solutions with competitive interest rates. ECB Bancorp, Inc. earns income from interest on loans and securities, as well as fees from deposit account services. The company's loan portfolio includes residential, commercial, and construction lending, while its securities investments focus on U.S. government and federal agency obligations. The Bank's operations are centered in Massachusetts, serving a defined geographic segment with tailored financial products for local needs. ECB Bancorp is one of the most popular companies on Eulerpool.

Frequently Asked Questions about ECB Bancorp stock

Gross Margin of ECB Bancorp is 39.88 % in 2025.

Gross Margin of ECB Bancorp changed from 38.14 % to 39.88 %, representing a 4.56% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Gross Margin ECB Bancorp since 2006 – with annual values, charts, and detailed analysis.

Gross Margin measures the percentage of revenue remaining after COGS. Higher gross margins indicate more efficient production and stronger pricing power.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Gross Margin's ECB Bancorp with sector peers and the industry average to assess whether it is attractive.

To evaluate Gross Margin's, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Gross Margin.

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Margins — ECB Bancorp

Gross MarginEBIT MarginEBITDA MarginNet MarginFCF MarginR&D / RevenueTax RatePayout RatioPre-Tax MarginOCF MarginSGA/RevenueOpEx/RevenueReinvestment Rate

All Key Metrics — ECB Bancorp