<span item_type="fundamental" item_id="07807d59fa2ae3d7fc1dbc1bddf15302" counter_id="ST/US/ECBK" env="prod"></span><span item_type="announcement" item_id="574450438692803585" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 20.76 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.29.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -5.2 M.</p><p></p><h3>Net Income</h3><p>ECB Bancorp, Inc. reported a net income of $2.4 million, or $0.29 per diluted share for the quarter ended September 30, 2025, compared to $1.1 million, or $0.14 per diluted share for the same period in 2024, marking an increase of $1.3 million, or 115.3%. For the nine months ended September 30, 2025, net income was $5.2 million, or $0.62 per diluted share, compared to $2.5 million, or $0.30 per diluted share for the same period in 2024, an increase of $2.6 million, or 103.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Net Interest and Dividend Income</h3><p>Net interest and dividend income before provision for credit losses was $8.5 million for the quarter ended September 30, 2025, compared to $6.3 million for the same period in 2024, an increase of $2.2 million, or 34.4%. For the nine months ended September 30, 2025, this income was $22.8 million, compared to $18.2 million for the same period in 2024, an increase of $4.6 million, or 25.0%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Noninterest Income</h3><p>Noninterest income was $341,000 for the quarter ended September 30, 2025, compared to $304,000 for the same period in 2024, an increase of $37,000, or 12.2%. For the nine months ended September 30, 2025, noninterest income was $966,000, compared to $898,000 for the same period in 2024, an increase of $68,000, or 7.6%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Noninterest Expense</h3><p>Noninterest expense was $5.4 million for the quarter ended September 30, 2025, compared to $5.0 million for the same period in 2024, an increase of $347,000, or 6.9%. For the nine months ended September 30, 2025, noninterest expense was $15.5 million, compared to $15.2 million for the same period in 2024, an increase of $360,000, or 2.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Cash Flow</h3><p>Cash and cash equivalents decreased by $55.0 million, or 34.9%, to $102.6 million at September 30, 2025, from $157.6 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Unique Metrics</h3><p>Total assets were $1.55 billion at September 30, 2025, compared to $1.42 billion at December 31, 2024, an increase of $134.5 million, or 9.5%. Total gross loans were $1.32 billion at September 30, 2025, compared to $1.15 billion at December 31, 2024, an increase of $170.5 million, or 14.9%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p><h3>Outlook / Guidance</h3><p>The company continues to focus on disciplined balance sheet growth, emphasizing high-quality loans and expense management, which has strengthened earnings and profitability metrics. Credit quality remains strong, and ongoing stock repurchases are expected to increase shareholder value.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1914605/000143774925031528/ex_855877.htm"></span></p>

ECB Bancorp/MD | 8-K: FY2025 Q3 Revenue: USD 20.76 M