Filing Flows › ECB Bancorp (ECBK) › Q2 2025
ECB Bancorp (ECBK) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
ECB Bancorp (ECBK) reported revenue of $8.0M for the second quarter 2025 (Q2 2025), +27% from a year earlier and +16% from the quarter before. Operating margin was 23.9%, net earnings $1.4M (18.0% of revenue).
ECB Bancorp, Q2 2025: revenue $8.0M (+27% year over year), operating margin 23.9%, net earnings $1.4M, operating cash flow $1.9M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $8.0M | +16% | +27% |
| Operating profit | $1.9M | +11% | +80% |
| Net earnings | $1.4M | +11% | +82% |
| Operating cash flow | $1.9M | — | +37% |
| Free cash flow | $1.8M | — | +37% |
What changed
Revenue was $8.0M in Q2 2025, up 27% year over year and up 16% from the previous quarter.
Operating profit was $1.9M, a 23.9% margin (up 7.0 points year over year). Of the extra revenue versus a year earlier, 50% reached operating profit, above the 17% margin then. Total costs grew 16% against revenue growth of 27%. The fastest-growing cost line was Credit loss provision (+284%). Net earnings were $1.4M, up 82% year over year. The effective tax rate was 24.8%.
Operating cash flow was $1.9M (up 37% year over year), 132% of net earnings. Non-cash charges added back $75K of depreciation and amortization and $506K of share-based compensation. Working capital and other items used $126K. Capital expenditures of $50K left free cash flow of $1.8M.
Questions
What was ECB Bancorp's revenue in the second quarter 2025?
ECB Bancorp (ECBK) reported revenue of $8.0M for the second quarter 2025 (Q2 2025), +27% from a year earlier and +16% from the quarter before.
Was ECB Bancorp profitable in the second quarter 2025?
Operating profit was $1.9M (23.9% of revenue) and net earnings $1.4M.
Source: ECB Bancorp 10-Q on SEC EDGAR.