$21.34

+0.17 (+0.80%)

Weekly Expected Move ±4.6%

$20 $21 $22 $23 $24

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 64 · $186.5M mcap · 8M float · 0.145% daily turnover · Short 52% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$80M +16.5% ▲

5Y CAGR: +28.4%

Gross Profit

$32M +21.8% ▲

5Y CAGR: +13.5%

Operating Income

$10M +93.2% ▲

5Y CAGR: +9.7%

Net Income

$8M +94.7% ▲

5Y CAGR: +9.8%

EPS (Diluted)

$0.94 +95.8% ▲

5Y CAGR: +18.6%

EBITDA

$10M +83.0% ▲

5Y CAGR: +8.6%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$24M	$31M	$56M	$68M	$80M
YoY Growth	+3.6%	+29.5%	+82.7%	+22.3%	+16.5%
Cost of Revenue	$4M	$8M	$31M	$42M	$48M
Gross Profit	$20M	$22M	$25M	$26M	$32M
Gross Margin	82.9%	72.3%	44.9%	38.1%	39.9%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$11M	$11M	$14M	$15M	$2M
Operating Expenses	$14M	$19M	$19M	$21M	$21M
Operating Income	$5M	$3M	$6M	$5M	$10M
Operating Margin	23.2%	11.4%	10.7%	7.9%	13.1%
Interest Expense	$4M	$6M	$30M	$42M	$46M
Income Before Tax	$5M	$3M	$6M	$5M	$10M
Tax Expense	$1M	$776K	$2M	$1M	$3M
Net Income	$4M	$3M	$4M	$4M	$8M
Net Margin	17.1%	8.9%	8.0%	5.8%	9.8%
EPS (Diluted)	$0.33	$0.32	$0.52	$0.48	$0.94
EBITDA	$6M	$4M	$6M	$6M	$10M
Shares Outstanding	12M	8M	9M	8M	8M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$18M	$18M	$19M	$21M	$21M	$22M	$22M	$23M
Cost of Revenue	$11M	$11M	$13M	$12M	$12M	$12M	$12M	$13M
Gross Profit	$7M	$7M	$7M	$9M	$9M	$10M	$10M	$11M
Gross Margin	40.9%	38.7%	35.4%	41.5%	43.3%	45.6%	45.8%	46.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$4M	$4M	$453K	$4M	$642K	$645K	$5M	$5M
Operating Expenses	$5M	$5M	$5M	$5M	$6M	$6M	$6M	$6M
Operating Income	$2M	$2M	$2M	$3M	$3M	$4M	$4M	$5M
Operating Margin	10.7%	9.6%	9.8%	15.7%	16.3%	19.4%	19.9%	19.7%
Interest Expense	$11M	$11M	$11M	$12M	$12M	$12M	$12M	$12M
Income Before Tax	$2M	$2M	$2M	$3M	$3M	$4M	$4M	$5M
Tax Expense	$493K	$424K	$475K	$817K	$891K	$1M	$1M	$1M
Net Income	$1M	$1M	$1M	$2M	$3M	$3M	$3M	$3M
Net Margin	8.0%	7.2%	7.4%	11.7%	12.1%	14.2%	14.5%	14.5%
EPS (Diluted)	$0.17	$0.16	$0.17	$0.29	$0.31	$0.38	$0.39	$0.40
EBITDA	$2M	$2M	$2M	$3M	$4M	$4M	$5M	$17M
Shares Outstanding	8M	8M	8M	8M	8M	8M	8M	8M

ECBK NASDAQ

Income Trends

Profit Margins

Year-over-Year Growth

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