ECB Bancorp (ECBK)
Runs a Greater Boston thrift converted from mutual to stock form in 2022.
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Provides deposit and lending services through Everett Co-operative Bank across a handful of branches north of Boston. Converted from a depositor-owned mutual to a public company in 2022, and has used the proceeds to shift lending away from residential mortgages toward commercial real estate and multifamily loans.
Operates Everett Co-operative Bank, a Massachusetts-chartered co-operative bank organized in 1890 to provide home financing in its namesake city. For most of its history the bank operated as a mutual institution owned by depositors, with lending concentrated in residential mortgages.
Converted to full stock form in 2022, raising capital that funds a shift toward commercial real estate and multifamily lending, alongside new commercial-credit staff and expanded business deposit and cash-management products aimed at attracting business customers.
Runs three full-service branches concentrated in Everett, Lynnfield, and Woburn north of Boston, competing on personal service against larger money-center and regional banks. The bank is regulated by the FDIC and the Massachusetts Division of Banks, with the holding company supervised by the Federal Reserve as a savings-and-loan holding company.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $124.0M · Total debt $285.0M · Total assets $1.67B · Shareholders' equity $179.9M
- Revenue
- $22.4M
- Operating income
- $4.5M
- Net income
- $3.3M
No dividends on record.
| Institutions59 holders · as of Mar 31, 2026 | 30.34% | 2.66M shares | |
| Insiders5 holders · as of May 1, 2026 | 2.39% | 209.0K shares | |
| Otherremainder | 67.27% | 5.89M shares |
8.75M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
AllianceBernstein L.P.Institution | 8.99% | 787,279 | 13Fas of Mar 31, 2026 |
Employee Stock Ownership Plan TrustInstitution | 8.38% | 734,020 | 13Gfiled Jan 30, 2023 ↗ |
BlackRock, Inc.Institution | 4.51% | 394,646 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.39% | 383,922 | 13Fas of Mar 31, 2026 |
Geode Capital Management, LLCInstitution | 1.76% | 154,247 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 30, 2026 | Brandon Lavertu | officer: CFO | +40 | $17.89 |
| Feb 9, 2026 | Maura Ellen Sullivan | director | +2,200 | $18.50 |
| Dec 8, 2025 | Maura Ellen Sullivan | director | +2,937 | $16.83 |
| Dec 9, 2025 | Maura Ellen Sullivan | director | +563 | $16.98 |
| Sep 16, 2025 | Richard J. Jr O'Neil | director, officer: President and CEO | +1,250 | $15.85 |
- Eastern Bankshares
Greater Boston's largest local bank, overlapping the same Middlesex/Essex market
- Independent Bank
Rockland Trust's Enterprise Bancorp deal reached the same north-Boston counties
- NB Bancorp
MA co-operative-bank peer already operating in the same Medford market
- Beacon Financial
Merged super-regional whose Middlesex County branches overlap the same market
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ECB Bancorp | $21.17 | +0.43% | $184.4M | 15.4 | — | 2.1 | +15.4% |
| Eastern Bankshares | $22.21 | +0.89% | $5.09B | 12.5 | 10.9 | 3.6 | +29.6% |
| Independent Bank | $81.60 | +2.08% | $3.94B | 14.7 | 10.6 | 3.1 | +1.1% |
| NB Bancorp | $22.60 | 0.00% | $938.0M | 15.2 | 9.2 | 2.5 | −10.0% |
| Beacon Financial | $31.54 | +0.90% | $2.63B | 23.7 | 9.8 | 2.3 | +92.8% |
| Median | 15.0 | 10.2 | 2.8 | +15.4% |