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Eureka Homestead Bancorp, Inc. ERKH

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Price alert · ERKH

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12.79 USD -0.11 (-0.85%)

At closeNov 6, 2026, 4:00 PM EST

12.79 Day range 12.80
12.79 52-week range 16.49
YTD
-7.32%
1 year
-3.11%

Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 1
  • P/B 4

Valuation

P/E -27.1×
FY 2017: -1025×FY 2018: 57.6×FY 2019: -262×FY 2020: -159×FY 2021: 107×FY 2022: 161×FY 2023: -77.0×FY 2024: -81.1×FY 2025: -27.1×
FY 2017 5y median -27.1× FY 2025
P/S 3.1×
FY 2017: 4.5×FY 2018: 4.1×FY 2019: 3.5×FY 2020: 4.1×FY 2021: 3.9×FY 2022: 3.7×FY 2023: 6.0×FY 2024: 3.8×FY 2025: 3.1×
FY 2017 5y median 3.8× FY 2025
P/B 0.7×
FY 2017: 1.4×FY 2018: 1.4×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.7×
FY 2017 5y median 0.7× FY 2025
P/FCF -27.4×
FY 2017: 44.4×FY 2018: 72.1×FY 2019: -6.8×FY 2020: -7.6×FY 2021: 4.5×FY 2022: -102×FY 2023: -161×FY 2024: -57.2×FY 2025: -27.4×
FY 2017 5y median -57.2× FY 2025
EV/EBITDA -34.4×
FY 2017: -520×FY 2018: 101×FY 2019: 86.6×FY 2020: -209×FY 2021: 98.0×FY 2022: 226×FY 2023: -143×FY 2024: -122×FY 2025: -34.4×
FY 2017 5y median -34.4× FY 2025
EV/Sales 4.0×
FY 2017: 11.2×FY 2018: 9.3×FY 2019: 5.3×FY 2020: 5.6×FY 2021: 4.8×FY 2022: 7.9×FY 2023: 8.0×FY 2024: 4.7×FY 2025: 4.0×
FY 2017 5y median 4.8× FY 2025
FCF Yield -3.7%
FY 2017: 2.3%FY 2018: 1.4%FY 2019: -14.7%FY 2020: -13.2%FY 2021: 22.3%FY 2022: -1.0%FY 2023: -0.6%FY 2024: -1.7%FY 2025: -3.7%
FY 2017 5y median -1.0% FY 2025

Profitability

Gross Margin 48.8%
FY 2017: 100.0%FY 2018: 61.3%FY 2019: 57.4%FY 2020: 59.7%FY 2021: 69.4%FY 2022: 100.0%FY 2023: 162.7%FY 2024: 51.4%FY 2025: 48.8%
FY 2017 5y median 69.4% FY 2025
Operating Margin -11.5%
FY 2017: 8.4%FY 2018: 8.2%FY 2019: 4.3%FY 2020: -4.2%FY 2021: 3.8%FY 2022: 12.7%FY 2023: 7.6%FY 2024: 5.5%FY 2025: -11.5%
FY 2017 5y median 5.5% FY 2025
Net Margin -11.5%
FY 2017: -0.7%FY 2018: 6.9%FY 2019: -1.3%FY 2020: -2.6%FY 2021: 3.8%FY 2022: 2.3%FY 2023: -7.8%FY 2024: -3.8%FY 2025: -11.5%
FY 2017 5y median -3.8% FY 2025
ROE -2.5%
FY 2017: -0.2%FY 2018: 2.4%FY 2019: -0.3%FY 2020: -0.5%FY 2021: 0.7%FY 2022: 0.5%FY 2023: -1.1%FY 2024: -0.9%FY 2025: -2.5%
FY 2017 5y median -0.9% FY 2025
ROIC -0.5%
FY 2017: -0.0%FY 2018: 0.7%FY 2019: -0.1%FY 2020: -0.2%FY 2021: 0.3%FY 2022: 0.5%FY 2023: 0.2%FY 2024: 0.5%FY 2025: -0.5%
FY 2017 5y median 0.3% FY 2025
ROA -0.5%
FY 2017: -0.0%FY 2018: 0.3%FY 2019: -0.1%FY 2020: -0.1%FY 2021: 0.1%FY 2022: 0.1%FY 2023: -0.2%FY 2024: -0.2%FY 2025: -0.5%
FY 2017 5y median -0.2% FY 2025

Growth (YoY)

Revenue -5.1%
FY 2017: 0.0%FY 2018: 11.5%FY 2019: 6.9%FY 2020: -12.8%FY 2021: -2.7%FY 2022: -1.0%FY 2023: -31.1%FY 2024: 65.3%FY 2025: -5.1%
FY 2017 FY 2025
Operating Income -300.8%
FY 2017: 0.0%FY 2018: 8.7%FY 2019: -44.7%FY 2020: -185.5%FY 2021: 188.5%FY 2022: 232.2%FY 2023: -58.6%FY 2024: 17.9%FY 2025: -300.8%
FY 2017 FY 2025
EPS (diluted) -131.8%
FY 2017: 0.0%FY 2018: 1300.0%FY 2019: -122.0%FY 2020: -74.1%FY 2021: 261.3%FY 2022: -30.6%FY 2023: -343.9%FY 2024: 0.0%FY 2025: -131.8%
FY 2017 FY 2025
Free Cash Flow -61.5%
FY 2017: 0.0%FY 2018: -38.5%FY 2019: -1080.8%FY 2020: 8.2%FY 2021: 256.7%FY 2022: -104.1%FY 2023: 29.5%FY 2024: -196.9%FY 2025: -61.5%
FY 2017 FY 2025

Financial Health

Current Ratio 71.3×
FY 2017: 6.0×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 71.3×
FY 2017 5y median 0.3× FY 2025
Quick Ratio 71.3×
FY 2017: 6.0×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 71.3×
FY 2017 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2017: 2.2×FY 2018: 2.1×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.4×
FY 2017 5y median 0.4× FY 2025
Net Debt / EBITDA -7.3×
FY 2017: -309×FY 2018: 56.9×FY 2019: 28.8×FY 2020: -56.1×FY 2021: 16.9×FY 2022: 120×FY 2023: -35.7×FY 2024: -22.3×FY 2025: -7.3×
FY 2017 5y median -7.3× FY 2025
Interest Coverage -0.2×
FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.1×FY 2020: -0.1×FY 2021: 0.1×FY 2022: 1.1×FY 2023: 0.4×FY 2024: 0.1×FY 2025: -0.2×
FY 2017 5y median 0.1× FY 2025

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.1%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 5.5%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2017 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31