COMP <GO>

SRBK vs ECBK // EV/EBITDA & P/E VALUATION

SR Bancorp Inc. (NASDAQ) VS. ECB Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: SRBK 1 — ECBK 6

■ METRIC PARITY

LAST: $19.24 (+2.40%) • MKT CAP: $149.0M

valuation

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LAST: $21.38 (+0.09%) • MKT CAP: $186.6M

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SRBK VS. ECBK) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	SRBK	ECBK	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	2.70%	4.50%	-1.80	ECBK	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	2.81%	4.83%	-2.02	ECBK	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	3.60%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.30%	0.00%	+0.30	SRBK	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	5/9	-1.00	ECBK	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	48.2	57.2	-9.00	ECBK	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	27.2x	22.3x	+4.90	ECBK	/forward-pe <GO>
Enterprise Scale & Market Cap	$149.0M	$186.6M	-$37.6M	ECBK	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	SRBK REV	ECBK REV	SRBK GROSS %	ECBK GROSS %	SRBK FCF	ECBK FCF
FY 2025	$480.0M	$598.0K	—	—	$4.2M	$9.0M
FY 2024	$447.1M	$577.0K	—	—	-$2.8M	$6.2M
FY 2023	$26.8M	$33.6M	—	—	$2.3M	$6.4M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

SRBK // BETA —

ECBK // BETA —