ECB Bancorp (NASDAQ:ECBK – Get Free Report) and NB Bancorp (NASDAQ:NBBK – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, institutional ownership, analyst recommendations, risk, valuation, dividends and profitability.
Profitability
This table compares ECB Bancorp and NB Bancorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
ECB Bancorp | 7.01% | 2.53% | 0.33% |
NB Bancorp | N/A | N/A | N/A |
Insider & Institutional Ownership
30.3% of ECB Bancorp shares are owned by institutional investors. 6.0% of ECB Bancorp shares are owned by company insiders. Comparatively, 1.7% of NB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
ECB Bancorp | $55.83 million | 2.12 | $4.46 million | $0.49 | 26.18 |
NB Bancorp | $150.68 million | 4.58 | $9.82 million | N/A | N/A |
NB Bancorp has higher revenue and earnings than ECB Bancorp.
Analyst Ratings
This is a breakdown of recent ratings for ECB Bancorp and NB Bancorp, as provided by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
ECB Bancorp | 0 | 0 | 0 | 0 | N/A |
NB Bancorp | 0 | 0 | 1 | 0 | 3.00 |
NB Bancorp has a consensus price target of $17.00, suggesting a potential upside of 5.20%. Given NB Bancorp’s higher possible upside, analysts clearly believe NB Bancorp is more favorable than ECB Bancorp.
About ECB Bancorp
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, IRAs, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It also offers one- to four-family residential real estate, commercial real estate and multifamily real estate, construction and land, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company invests in securities, consisting primarily of U.S. government and federal agency obligations, mortgage-backed securities, and corporate bonds. ECB Bancorp, Inc. was founded in 1890 and is based in Everett, Massachusetts.
About NB Bancorp
NB Bancorp, Inc. focuses on operating as a bank holding company for Needham Bank that provides various banking products and services in Greater Boston metropolitan area and surrounding communities in Massachusetts, eastern Connecticut, southern New Hampshire, and Rhode Island. The company offers various deposits, including certificate of deposit, individual retirement, money market, savings, NOW, demand deposit, and interest-bearing and noninterest-bearing checking accounts; and commercial real estate and multifamily, one- to four-family residential real estate, construction and land development, commercial and industrial, and consumer loans, as well as home equity loans and lines of credit. It also invests in securities consisting of U.S. treasury and federal agency securities, government-sponsored residential mortgage-backed securities, municipal bonds, and corporate bonds. The company was founded in 1892 and is based in Needham, Massachusetts.
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