ES Bancshares (ESBS)
OTHER OTC:ESBS
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ES Bancshares
(OTC:ESBS)
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Rating:51Neutral
Price Target:
$6.50
▼(-5.25% Downside)
Action:ReiteratedDate:04/07/26
The score is driven primarily by mixed financial performance (weaker profitability and volatile cash flows despite improved leverage and a 2025 revenue/cash flow rebound) and bearish technicals (price below key moving averages with negative MACD). Valuation is moderate and provides limited support given the lack of dividend yield data.
Positive Factors
Deposit-funded lending model
A traditional deposit-funded commercial banking model provides a durable source of relatively low-cost funding for lending and securities investing. Over the medium term this supports NII stability versus wholesale-funded peers and underpins core profitability if credit and funding spreads remain reasonable.
Negative Factors
Compressed margins and weaker profitability
Sustained margin compression and mid-single-digit ROE indicate diminished earnings power and less efficient use of capital. Over the medium term, weaker profitability limits retained earnings, slows balance-sheet growth, and constrains the bank's ability to invest in technology or expand competitively.
Read all positive and negative factors
Positive Factors
Negative Factors
Deposit-funded lending model
A traditional deposit-funded commercial banking model provides a durable source of relatively low-cost funding for lending and securities investing. Over the medium term this supports NII stability versus wholesale-funded peers and underpins core profitability if credit and funding spreads remain reasonable.
Read all positive factors
ES Bancshares (ESBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$43.98M
Dividend YieldN/A
Average Volume (3M)537.00
Price to Earnings (P/E)17.5
Beta (1Y)0.09
Revenue Growth5.07%
EPS Growth272.10%
CountryUS
Employees37
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.10
Shares Outstanding6,663,320
10 Day Avg. Volume1,030
30 Day Avg. Volume537
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.99
Price to Sales (P/S)1.48
P/FCF Ratio7.76
Enterprise Value/Market Cap1.49
Enterprise Value/Revenue2.20
Enterprise Value/Gross Profit3.68
Enterprise Value/Ebitda18.50
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
ES Bancshares Business Overview & Revenue Model
Company Description
ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various commercial banking products and services in New York. The company offers various deposit products, including personal and business checking and money market accounts,...
How the Company Makes Money
ES Bancshares primarily makes money through its banking subsidiary by (1) earning net interest income—the spread between interest earned on interest-earning assets (such as loans and securities) and interest paid on interest-bearing liabilities (s...
ES Bancshares Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
49
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.80M | 33.88M | 15.36M | 29.29M | 22.60M | 21.82M |
| Gross Profit | 17.80M | 18.84M | 15.36M | 16.95M | 18.84M | 18.48M |
| EBITDA | 3.54M | 3.86M | 1.40M | 3.86M | 8.50M | 6.67M |
| Net Income | 2.63M | 2.88M | 1.10M | 1.47M | 5.25M | 4.63M |
Balance Sheet | ||||||
| Total Assets | 644.98M | 616.28M | 640.50M | 638.75M | 587.86M | 515.32M |
| Cash, Cash Equivalents and Short-Term Investments | 46.76M | 36.65M | 0.00 | 40.90M | 46.90M | 63.01M |
| Total Debt | 57.26M | 56.46M | 68.04M | 91.19M | 85.66M | 34.55M |
| Total Liabilities | 595.57M | 565.45M | 592.95M | 592.89M | 543.85M | 476.07M |
| Stockholders Equity | 49.41M | 50.83M | 47.55M | 45.86M | 44.00M | 39.25M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 6.47M | -1.77M | 1.50M | 2.11M | 4.85M |
| Operating Cash Flow | 0.00 | 6.57M | -1.71M | 1.91M | 3.29M | 7.60M |
| Investing Cash Flow | 0.00 | 25.06M | -1.92M | -55.99M | -158.76M | -8.23M |
| Financing Cash Flow | 0.00 | -21.70M | -2.39M | 48.69M | 134.51M | -2.82M |
ES Bancshares Technical Analysis
Neutral
6.86
Price Trends
6.67
Negative
6.92
Negative
6.96
Negative
Market Momentum
-0.05
Positive
49.17
Neutral
33.83
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ESBS, the sentiment is Neutral. The current price of 6.86 is above the 20-day moving average (MA) of 6.61, above the 50-day MA of 6.67, and below the 200-day MA of 6.96, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 49.17 is Neutral, neither overbought nor oversold. The STOCH value of 33.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ESBS.
ES Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $54.41M | 8.12 | 9.28% | 3.21% | 0.32% | 37.93% | |
78 Outperform | $64.24M | 3.00 | 14.54% | ― | 14.91% | 0.81% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $62.77M | 9.14 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $51.22M | 17.24 | 4.77% | 1.10% | 12.12% | ― | |
51 Neutral | $43.98M | 17.46 | 5.79% | ― | 5.07% | 272.10% |
* Financial Sector Average
ESBS
ES Bancshares
6.60
0.26
4.10%
ASRV
Ameriserv Financial
3.70
1.65
80.31%
HFBL
Home Federal Bancorp Of Louisiana
17.70
4.94
38.74%
OPHC
Optimumbank Holdings
5.28
1.51
40.05%
TCBS
Texas Community
17.75
1.86
11.73%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.