ECB Bancorp, Inc. /MD/ (ECBK) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	89.2M	79.5M	68.3M	55.8M	30.6M
Cost of Revenue	48.8M	47.8M	42.2M	30.8M	8.5M
Gross Profit	40.4M	31.7M	26.0M	25.0M	22.1M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	11.6M	2.0M	15.2M	13.8M	11.3M
General & Admin Expense	10.6M	1.4M	14.6M	13.1M	10.6M
Selling & Marketing Expense	1.1M	639.0K	551.0K	794.0K	752.0K
Other Expenses	12.0M	19.3M	5.5M	5.2M	7.3M
Total Operating Expenses	23.6M	21.3M	20.7M	19.1M	18.6M
Cost and Expenses	72.4M	69.1M	62.9M	49.8M	27.1M
Operating Income (EBIT)	16.8M	10.4M	5.4M	6.0M	3.5M
Non-Operating
Interest Income	87.9M	78.2M	67.0M	54.8M	29.2M
Interest Expense	48.1M	46.3M	42.1M	30.0M	5.5M
Net Interest Income	39.8M	31.9M	25.0M	24.8M	23.6M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	(12.3M)	—	—	—	—
EBT (Pre-Tax Income)	16.8M	10.4M	5.4M	6.0M	3.5M
Income Tax Expense	4.5M	2.6M	1.4M	1.5M	776.0K
Bottom Line
Net Income	12.4M	7.8M	4.0M	4.5M	2.7M
Earnings from Cont. Ops	12.4M	7.8M	4.0M	4.5M	2.7M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	12.4M	7.8M	4.0M	4.5M	2.7M
Per Share
Basic EPS	$1.54	$0.96	$0.48	$0.53	$0.32
Diluted EPS	$1.48	$0.94	$0.48	$0.52	$0.32
Revenue Per Share	$11.16	$9.82	$8.27	$6.59	$3.61
Shares
Basic Shares Outstanding	8.0M	8.1M	8.3M	8.5M	8.5M
Diluted Shares Outstanding	8.4M	8.3M	8.3M	8.5M	8.5M
Profitability Metrics
EBITDA	29.4M	10.7M	5.7M	6.3M	3.8M
D&A	223.0K	297.0K	302.0K	279.0K	302.0K
EBIT	29.2M	10.4M	5.4M	6.0M	3.5M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026