ECB Bancorp vs Provident Financial Holdings
Provident Financial Holdings is the larger business, with $40.1m of revenue in fiscal 2026 against $33.2m for ECB Bancorp (1.2 times as much). ECB Bancorp grew faster (26.8% against 2.7%). ECB Bancorp kept more of each dollar of sales as profit: a net margin of 23.4% against 16.6%.
| Latest fiscal year | ECB BancorpECBK, 2025 | Provident Financial HoldingsPROV, 2026 |
|---|---|---|
| Revenue | $33.2m | $40.1m |
| Revenue growth | 26.8% | 2.7% |
| Net income | $7.8m | $6.7m |
| Operating margin | — | — |
| Net margin | 23.4% | 16.6% |
| Return on equity | 4.6% | 5.2% |
| Free cash flow | $9.0m | $8.5m |
| Cash | — | $49.2m |
| Total debt | $0 | $157m |
| Debt to equity | — | — |
| Dividend per share | — | $0.56 |
| Dividend yield | — | 3.2% |
| Share buybacks | $4.6m | $6.0m |
| Employees | 64 | 158 |
| Market value | $187m | $114m |
| Price vs our value range | — | — |
| Moat score | — | 49 (Moderate) |
| Insider trades, 12 months | 18 buys, 0 sales | 0 buys, 5 sales |