ECB Bancorp, Inc. — Earnings Quality Grade F
ECBK · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 57 days, change +1 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 26.8%, CFFO 48.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 256.7% is >2x revenue growth 26.8%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.19. Profits backed by cash
FCF $0.0B, FCF/NI = 1.16
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers only 33% of debt $0.3B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
ECB Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25