Oversold

ECBK

Valuation83/ 100
Cash flow & growth79/ 100
Upside potential45/ 100
Risk potential25/ 100

ECBK's valuation is historically cheap and fundamentals are above averages.

Score change since last week

The score rose 9 points, mainly due to valuation and price changes. Price rose 0.1%, from $20.74 to $20.76.

Valuation and price changes added 9.7 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Historical cheapness: current PE is 15.2× versus the full-history median of 28.2× shown in the valuation table, producing 83.4/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 83.1/100. The model applies a 8.8% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 24.3× (18-month half-life). The favorable scenario uses 16.9× PE and $1.7 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +18.6%, earnings +114.1%, operating margin +8.1 percentage points. The business score is 79.1/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $1.66 of EPS and a 16.9× PE, suggesting a share price of about $28.00. Valuation history and outlook inform the PE.

The displayed favorable scenario is 34.9% upside, or about $28.01.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $1.07 of EPS and a 14.6× PE, suggesting a share price of about $15.59 — 25% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

ECBK vs Historical averages

MetricCurrentAverageRelative
PE15x38x60% lower
PE percentile2.85094% lower
EPS$1.37$0.50174% higher
FCF$22.4M$6.7M234% higher
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ECBK’s earnings and cash flow are above their historical averages, while its earnings multiple is lower.

ECBK Forward outlook

MetricOutlook
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ECBK PE Valuation

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This table applies ECBK's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

ECBK Earnings Per Share

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This chart tracks ECBK's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

ECBK Quarterly Revenue

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This chart tracks ECBK's quarterly revenue over time and shows how sales are changing from year to year.

ECBK Free Cash Flow

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This chart tracks ECBK's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

ECBK Total Shares

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This chart tracks changes in ECBK's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

ECBK Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

ECBK PE vs Financial Services Sector

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This chart compares ECBK's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

ECBK Weekly Price

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This chart uses ECBK's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

ECBK Weekly Moving Averages

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This chart compares ECBK's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

ECBK Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.