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Stock Ratings / Financials / ECBK / options
RBKB (64) HYNE (56) SRBK (55) FBLA (42) ⌘ Pro Terminal β†’

ECB Bancorp Inc. (ECBK) Options Positioning, Max Pain & Unusual Sweeps

$21.38 +0.09% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.34

ECB Bancorp Inc. (ECBK) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $186.6M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ECBK Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ECBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, ECB Bancorp Inc. (NASDAQ: ECBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $21.38 (+0.09% 1D, market cap $186.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, ECBK ranks #180 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ECBK compare to RBKB and HYNE in the Financials sector?
β–Ό

Within the Financials sector (Banks), ECBK carries a Roarable C+ (67/100 RQD), trailing P/E of 24.0x, gross margin of β€”, and ROIC of 4.5%. By comparison, RBKB (Rhinebeck Bancorp Inc.) holds a C grade (64/100 RQD, P/E 20.0x, ROIC 7.3%, cap $202.2M) and HYNE (Hoyne Bancorp Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $152.2M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ECBK?
β–Ό

Per ECBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001914605), ECB Bancorp Inc. generated $598.0K in revenue (+3.6% YoY), $7.8M in net income, and $9.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.34 (-0.17%)🧬 Cannibal Buyback (-1.80% YoY Shares)βš™οΈ Cash Engine: 13/20 (C) β€’ 900.6% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY β€’ 56.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ Β· Rk C+
Cash (13)Whales (13)SEC (13)Macro (14)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$26 Bull$22 Base$17 Bear
πŸ“¬ FREE ECBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ECBK)Realized 20D OHLCV Swing Band: Β±5.5%
Deterministic 5-Pillar Attribution (67/100 Composite)
πŸ” WHY ECBK SCORES 67/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Macro Regime Fit+14/20 pts (21% of score)

FRED Regime Γ— Technicals: 93% of 52W Range β€’ RSI-14 at 57.2 (BULLISH MOMENTUM)

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy β€’ Cannibal Buyback (-1.80% YoY Shares)

β–Ό #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$20.48-3.7% Next Q
Q2 (-2Q)
62
Grade C+$19.73+8.2% Next Q
Q3 (-1Q)
64
Grade C+$21.34+0.2% Next Q
Current
67
Grade C+$21.38+1.6% Hist 90D Ξ±
Trajectory: C (59) β†’ C+ (67)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the ECBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 67/100 (C+) score, ECBK faces multiple-compression risk if 24.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($20.77) or 200D SMA ($19.12) invalidates the momentum regime and cuts Target Base ($22.25) toward Bear Floor ($17.36).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ECBKβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œECBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±5.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ECBK)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ECBK.

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Whale Flow & Momentum Playbook: Evaluating ECBK & AI Leaders Without Chasing Tops

  • βœ“Institutional whale strikes & implied earnings move audit on ECBK
  • βœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ECBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.32%πŸ“ HORIZONTAL RANGE
2026-11-03O $21.33H $21.38L $21.33C $21.38VOL 7.3K
RES: $21.75SUP: $19.27SMA50: $20.77SMA200: $19.12
$22.12$20.71$19.29$17.88$16.46RES $21.75SUP $19.27$21.382026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ECBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ ECBK Butterfly Map β†’ + Track ECBK β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
17.8%/yr Implied 5Y Growth

vs. +3.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ECBK today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for ECBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ECBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ECBK)

Financials Rank #180 of 1097 βš”οΈ RBKB vs ECBK Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (ECBK vs. RBKB, HYNE, SRBK, FBLA)

Industry: Banks (24 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, ECB Bancorp Inc. (ECBK) ranks #180 by composite RQD confidence (67/100, grade C+) and #893 by equity capitalization ($186.6M). Within this direct 5-issuer industry benchmark cohort, RBKB leads on earnings valuation at 20.0x trailing P/E, while RBKB leads on capital efficiency and profitability with 7.3% ROIC and β€” gross margin. ECBK currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ECBK ACTIVE
ECB Bancorp Inc.
C+ 67/100 24.0x β€” 4.5% +0.09% $186.6M Benchmark Subject
RBKB
Rhinebeck Bancorp Inc.
C 64/100 20.0x β€” 7.3% +0.08% $202.2M /rbkb-vs-ecbk β†’
HYNE
Hoyne Bancorp Inc.
D+ 56/100 β€” β€” 0.1% +0.69% $152.2M /hyne-vs-ecbk β†’
SRBK
SR Bancorp Inc.
D+ 55/100 29.3x β€” 2.7% +2.40% $149.0M /srbk-vs-ecbk β†’
FBLA
FB Bancorp Inc.
D- 42/100 β€” β€” 0.4% +0.36% $266.3M /fbla-vs-ecbk β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001914605 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ECB Bancorp Inc. (ECBK) reported GAAP revenue of $598.0K (+3.6% vs. FY2024 revenue of $577.0K , and -98.2% cumulative change since FY2023) , GAAP net income of $7.8M, operating cash flow of $9.2M, and free cash flow of $9.0M (+46.0% YoY). On the balance sheet, ECBK closed FY2025 with $1.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $598.0K $7.8M $9.2M $9.0M $1.61B β€”
FY2024 (FY) 2024-12-31 $577.0K $4.0M $6.2M $6.2M $1.42B β€”
FY2023 (FY) 2023-12-31 $33.6M $4.5M $6.4M $6.4M β€” β€”

3. ECBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ECBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, ECB Bancorp Inc. (NASDAQ: ECBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $21.38 (+0.09% 1D, market cap $186.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, ECBK ranks #180 in composite RQD confidence.

How does ECBK compare to RBKB and HYNE in the Financials sector?

Within the Financials sector (Banks), ECBK carries a Roarable C+ (67/100 RQD), trailing P/E of 24.0x, gross margin of β€”, and ROIC of 4.5%. By comparison, RBKB (Rhinebeck Bancorp Inc.) holds a C grade (64/100 RQD, P/E 20.0x, ROIC 7.3%, cap $202.2M) and HYNE (Hoyne Bancorp Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC 0.1%, cap $152.2M). Among the 5-stock peer group, RBKB leads on earnings multiple (20.0x) while RBKB leads on capital efficiency (7.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ECBK?

Per ECBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001914605), ECB Bancorp Inc. generated $598.0K in revenue (+3.6% YoY), $7.8M in net income, and $9.0M in free cash flow against $1.61B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ECBK trading relative to its 50-day, 200-day, and 52-week technical levels?

ECBK last traded at $21.38 (+0.09% on volume of 6,143 shares), positioning the stock +2.94% above its 50-day simple moving average ($20.77) and +11.82% above its 200-day simple moving average ($19.12). Across its 52-week range of $15.88 to $21.78, ECBK sits at the 93.2% percentile with a 14-day RSI of 57.2 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.5% ($20.20 to $22.56).

Direct Sub-Reports: ECBK RQD Cockpit ECBK 12M Forecast ECBK Earnings & Move ECBK Dividends & DRIP ECBK Insiders & 13F ECBK Whale Options ECBK Profit Sankey ECBK News & Why
ROARABLE RATING BRIEF β€’ RQD 67/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

ECBK β€” ECB Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

ECB Bancorp Inc. (ECBK) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $21.38 (+0.09% 1D, market capitalization $186.6M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 4.5%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 4.83%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

ECB Bancorp Inc. Is a NASDAQ-listed issuer in the Financials sector and Banks industry. Recent headlines reference loan growth, with one stating that loans grew $55.5M alongside higher Q3 earnings, which indicates lending activity is a relevant part of the business.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), ECB Bancorp Inc. (ECBK) reported $598.0K in annual revenue (up from $577.0K in FY2024, +3.6% YoY) and $7.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($33.6M revenue, $4.5M net income) through FY2025, ECBK scaled operating cash flow to $9.2M and free cash flow to $9.0M, backed by $1.61B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.83% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $15.88 – $21.78 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 24.0x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

β€” The Butterfly Supply-Chain Graph lists no upstream or downstream dependencies, no sector correlations, and no proprietary signals for ECBK. Investors should note that the only sector context provided is the Financials / Banks classification itself; any second-order sensitivity to interest rates, credit conditions, or regional economics is not quantified in the source data.

  • Key Question #1: Can ECBK sustain or expand its β€” operating margin and 4.5% ROIC against Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $598.0K and free cash flow of $9.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ECBK's 22.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ECBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for ECB Bancorp Inc. (ECBK) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ECBK Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ECBK Bull vs. Bear Conversation Board β€” What's Your Call at $21.38?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ECBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ECBK:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $27.77 (+30.0%)
πŸ“Œ Pinned Debate

Net income rose to $7.8M in FY 2025 from $4.0M in FY 2024 while FCF reached $9.0M, and the RQD rating scores insider conviction at 14/2

Here is why I am bullish on ECBK here at $21.36: Net income rose to $7.8M in FY 2025 from $4.0M in FY 2024 while FCF reached $9.0M, and the RQD rating scores insider conviction at 14/20.. Compare ECBK's 0.0% operating margin and 4.5% ROIC against the rest of Banks. As long as cash conversion holds up, dips toward $20.29 are getting bought.

CapAlloc_Nerd πŸ‚ BULL

@RedlineAuditor Fair point on 24.0x trailing P/E, but you're ignoring the forward operating leverage in Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER β€’ Accounting Quality Watch 🐻 BEARISH 🎯 Target: $16.45 (-23.0%)
Spot @ $21.36

ROIC of 4.5% and a 24x trailing P/E leave limited return on capital to justify the current valuation, and no analyst coverage or holder

Careful chasing ECBK at $21.36. ROIC of 4.5% and a 24x trailing P/E leave limited return on capital to justify the current valuation, and no analyst coverage or holder data is available to corroborate the thesis.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $16.45 on multiple compression.

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