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ECB Bancorp vs PFS Bancorp: ECBK and PFSB compared
ECB Bancorp is the larger company: $11.1M of revenue in its latest quarter (Q3 2026) against $1.8M for PFS Bancorp (Q3 2026). ECB Bancorp is growing faster (+26% against +7% a year earlier). ECB Bancorp is more profitable, with an operating margin of 41.6% against 31.7%.
Where the money goes: ECBK and PFSB
ECB Bancorp (ECBK) · Q3 2026
ECB Bancorp, Q3 2026: revenue $11.1M (+26% year over year), operating margin 41.6%, net earnings $3.4M, operating cash flow $4.6M. The chart follows the revenue to costs, profit and cash.
PFS Bancorp (PFSB) · Q3 2026
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart follows the revenue to costs, profit and cash.
| ECB Bancorp (ECBK) | PFS Bancorp (PFSB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $11.1M | $1.8M |
| Revenue growth, Y/Y | +26% | +7% |
| Operating margin | 41.6% | 31.7% |
| Net earnings | $3.4M | $402K |
| Net margin | 30.6% | 22.3% |
| Operating cash flow | $4.6M | $756K |
| Free cash flow | $3.4M | $691K |
Where the revenue comes from
ECB Bancorp
- Net interest income: $10.8M (97%)
- Noninterest income: $304K (3%)
PFS Bancorp
- Net interest income: $1.6M (90%)
- Noninterest income: $174K (10%)
Questions
Which is bigger, ECB Bancorp or PFS Bancorp?
ECB Bancorp is the larger company: $11.1M of revenue in its latest quarter (Q3 2026) against $1.8M for PFS Bancorp (Q3 2026).
Is ECB Bancorp or PFS Bancorp growing faster?
ECB Bancorp is growing faster (+26% against +7% a year earlier).
Which is more profitable, ECB Bancorp or PFS Bancorp?
ECB Bancorp is more profitable, with an operating margin of 41.6% against 31.7%.
More: ECB Bancorp earnings · how ECB Bancorp makes money · PFS Bancorp earnings · how PFS Bancorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.