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ECB Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$3.4M in Q3 2026 · $21.9M over twelve months

Operating cash flow$4.6M
Capital spending−$1.2M
Free cash flow+$3.4M
Cash / net income1.4×

Analysis

In Q3 2026, ECB Bancorp generated $4.6M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $3.4M. That is $526K less than in Q3 2025 ($4.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $23.3M; the largest uses were other investing ($152M), buybacks ($1.7M), capital spending ($1.5M); besides operations, cash came from net borrowing (+) / repaid (−) ($75.0M), other financing ($50.0M); the cash balance fell by $6.5M.

Operating cash flow was $4.6M against net income of $3.4M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$1.3M, prepaid and other assets +$448K, deferred taxes −$400K.

Free cash flow

ECB Bancorp: free cash flow by quarterECB Bancorp: free cash flow by quarter$4.4MQ4 2024−$649KQ1 2025$1.8MQ2 2025$4.0MQ3 2025$3.9MQ4 2025$2.8MQ1 2026$11.8MQ2 2026$3.4MQ3 2026
Operating cash flow less capital spending.
ECB Bancorp: operating cash flow against capital spendingECB Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$4.4M$0Q4 2024−$631K$18KQ1 2025$1.9M$50KQ2 2025$4.0M$71KQ3 2025$3.9M$75KQ4 2025$2.8M$4KQ1 2026$12.0M$213KQ2 2026$4.6M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $4.6M, Capital spending $1.2M.

Capital allocation, year by year

ECB Bancorp: where the cash came from (up) and went (down), by fiscal yearECB Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksFY2021: Operating cash flow $6.4MFY2021: Capital spending −$104K$6.4MFY2021FY2022: Operating cash flow $7.8MFY2022: Shares issued $79.2MFY2022: Capital spending −$216K$87.0MFY2022FY2023: Operating cash flow $6.4MFY2023: Capital spending −$335KFY2023: Buybacks −$2.2M$6.4MFY2023FY2024: Operating cash flow $6.2MFY2024: Net borrowing $15.0MFY2024: Shares issued $69KFY2024: Capital spending −$60KFY2024: Buybacks −$2.7M$21.3MFY2024FY2025: Operating cash flow $9.2MFY2025: Net borrowing $45.0MFY2025: Capital spending −$214KFY2025: Buybacks −$4.6M$54.2MFY2025
Over these 5 years operating cash flow totalled $36.1M; the largest uses were buybacks ($9.6M) and capital spending ($929K). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$93.4M
Debtnone
Net cash$93.4M

ECB Bancorp funds itself: free cash flow was $21.9M over the last twelve months, with $93.4M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

ECB Bancorp: sources (+) and uses (−) of cash, Q3 2026ECB Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$46.9MNet borrowing (+) / repaid (−)$45.0MOther financing−$29.2MCash drawn (+) / kept (−)$27.9MOperating cash flow$4.6MCapital spending−$1.2MBuybacks−$188K
ECB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026ECB Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$152MNet borrowing (+) / repaid (−)$75.0MOther financing$50.0MOperating cash flow$23.3MCash drawn (+) / kept (−)$6.5MBuybacks−$1.7MCapital spending−$1.5MShares issued$5K

From profit to cash

ECB Bancorp: net income to operating cash flow, Q3 2026ECB Bancorp: net income to operating cash flow, Q3 2026Net income$3.4MDepreciation & amortization$72KStock-based pay$358KDeferred taxes−$400KPrepaid and other assets$448KOther liabilities$1.3MOperating cash flow$4.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$4.6M−$1.2M−$188K$45.0M$27.9M$3.4M
Q2 2026$12.0M−$213K−$675K$25.0M−$12.7M$11.8M
Q1 2026$2.8M−$4K−$350K−$20.0M−$24.4M$2.8M
Q4 2025$3.9M−$75K−$513K$25.0M$15.7M$3.9M
Q3 2025$4.0M−$71K−$2.0M−$10.0M−$4.0M$4.0M
Q2 2025$1.9M−$50K−$1.5M$30.0M$49.4M$1.8M
Q1 2025−$631K−$18K−$673K—$9.5M−$649K
Q4 2024$4.4M—−$902K−$10.0M−$38.0M$4.4M

ECB Bancorp: income statement and cash flow

ECB Bancorp, Q3 2026: revenue $11.1M (+26% year over year), operating margin 41.6%. The chart follows the revenue to costs, profit and cash.

ECB Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.