ECBK
ECB Bancorp, Inc.
ECBK has the edge over GS overall, supported by stronger valuation and stronger fundamentals.
GS
The Goldman Sachs Group, Inc.
GS's outlook is improving, though it still trails on the overall score.
ECBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ECBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ECBK.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
ECBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 14x | $20.45 | — |
| Cheap | 18x | $26.66 | +30% |
| Fair | 25x | $37.12 | +82% |
| Expensive | 39x | $58.32 | +185% |
Historical ranges are pointers, not guarantees.
ECBK has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
ECBK Forward outlook
There aren't enough analyst estimates for ECBK to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
ECBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.49 | +86% |
| Q2 2026 | $1.38 | +112% |
| Q1 2026 | $1.16 | +104% |
| Q4 2025 | $0.94 | +96% |
| Q3 2025 | $0.80 | +111% |
| Q2 2025 | $0.65 | +63% |
| Q1 2025 | $0.57 | +19% |
| Q4 2024 | $0.48 | -7.7% |
ECBK earned $1.49 per share over the past year, up 86% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
ECBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $11.1M | +26% |
| Q2 2026 | $10.3M | +29% |
| Q1 2026 | $10.2M | +47% |
| Q4 2025 | $9.5M | +34% |
| Q3 2025 | $8.8M | +33% |
| Q2 2025 | $8M | +27% |
| Q1 2025 | $6.9M | +11% |
| Q4 2024 | $7.1M | +15% |
ECBK has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +4.6 points |
| Q2 2026 | 43% | +19 points |
| Q1 2026 | 42% | +17 points |
| Q4 2025 | 37% | +9.4 points |
| Q3 2025 | 37% | +14 points |
| Q2 2025 | 24% | +7 points |
| Q1 2025 | 25% | +12 points |
| Q4 2024 | 27% | +10 points |
ECBK has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
ECBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.4M | -13% |
| Q2 2026 | $11.8M | +538% |
| Q1 2026 | $2.8M | +$3.5M |
| Q4 2025 | $3.9M | -14% |
| Q3 2025 | $4M | +359% |
| Q2 2025 | $1.8M | +37% |
| Q1 2025 | -$649K | -$200K |
| Q4 2024 | $4.5M | +77% |
ECBK has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
ECBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +56.5K shares |
| 1 year | +1.4% | +119K shares |
| 3 years | -1.1% | -93.4K shares |
ECBK has 8M diluted shares, up 1.4% from a year ago, despite $2M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $188,000 |
| Q2 2026 | $675,000 |
| Q1 2026 | $350,000 |
| Q4 2025 | $513,000 |
| Q3 2025 | $2M |
| Q2 2025 | $1.5M |
| Q1 2025 | $673,000 |
| Q4 2024 | $902,000 |
ECBK spent $2M buying back its own shares over the past year, down 65% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over ECBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
ECBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 16.3x | High |
| Q2 2026 | 17.9x | High |
| Q1 2026 | 19.5x | High |
| Q4 2025 | 26.3x | High |
| Q3 2025 | 28.1x | High |
| Q2 2025 | 34.9x | High |
| Q1 2025 | 35.0x | High |
| Q4 2024 | 40.2x | High |
ECBK's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ECBK.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over ECBK on leverage, with a lower net debt burden relative to earnings.
ECBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 56.6 | Neutral |
ECBK's weekly RSI is 52 (neutral) and its Stochastic is 57 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
ECBK PE vs Financial Services Sector
| Metric | ECBK | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 5.4% above |
| PE % | 0 | 58 | 58 pts below |
ECBK is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over ECBK on valuation relative to its sector.
ECBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.9 | 1.9% below |
| 20 week MA | $20.7 | 1.1% below |
| 50 week MA | $18.9 | 8% above |
| 100 week MA | $17.3 | 18% above |
| 200 week MA | $15.2 | 35% above |
ECBK has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 35% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
ECBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $14.0 | $16.1 | +15% |
| 2023 | $16.1 | $12.6 | -22% |
| 2024 | $12.6 | $14.9 | +19% |
| 2025 | $14.9 | $17.3 | +16% |
| 2026 YTD | $17.3 | $20.5 | +18% |
ECBK has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.