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ES Bancshares
(OTC:ESBS)
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Rating:58Neutral
Price Target:
$7.00
▲(10.24% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by mixed financial performance—improving leverage and a 2025 cash flow rebound are offset by materially weaker profitability and volatile cash generation. Technicals add moderate support with positive trend/momentum, while valuation appears fair based on the P/E but lacks dividend yield support.
Positive Factors
Improving Leverage
Lower leverage through 2025 reduces solvency and funding stress for a regional bank, increasing resilience to credit losses and rate shocks. A more moderate debt-to-equity profile enhances capacity to extend loans or absorb shocks without needing immediate capital raises, a durable balance-sheet improvement.
Negative Factors
Weak Profitability
Sustained mid-single-digit ROE and compressed margins indicate the bank is not generating robust returns on equity. Persistent weak profitability limits capital accumulation, constrains strategic investments, and increases the need for either higher net interest margins or noninterest income to achieve durable shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Leverage
Lower leverage through 2025 reduces solvency and funding stress for a regional bank, increasing resilience to credit losses and rate shocks. A more moderate debt-to-equity profile enhances capacity to extend loans or absorb shocks without needing immediate capital raises, a durable balance-sheet improvement.
Read all positive factors
ES Bancshares (ESBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$47.00M
Dividend YieldN/A
Average Volume (3M)537.00
Price to Earnings (P/E)14.2
Beta (1Y)0.09
Revenue Growth-1.32%
EPS Growth23.97%
CountryUS
Employees37
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.50
Shares Outstanding6,886,917
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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, delivers a comprehensive suite of commercial banking solutions and offerings across New York. Its deposit portfolio encompasses a range of options such as personal and business checkin...
How the Company Makes Money
ES Bancshares makes money primarily through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—mainly loans to c...
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 | 34.11M | 33.88M | 15.36M | 29.29M | 22.60M | 21.82M |
| Gross Profit | 19.44M | 18.84M | 15.36M | 16.95M | 18.84M | 18.48M |
| EBITDA | 4.15M | 5.55M | 1.40M | 3.86M | 8.50M | 6.67M |
| Net Income | 3.44M | 2.88M | 1.10M | 1.47M | 5.25M | 4.63M |
Balance Sheet | ||||||
| Total Assets | 643.71M | 616.28M | 640.50M | 638.75M | 587.86M | 515.32M |
| Cash, Cash Equivalents and Short-Term Investments | 56.50M | 36.65M | 41.99M | 40.90M | 46.90M | 63.01M |
| Total Debt | 55.56M | 56.46M | 68.04M | 91.19M | 85.66M | 34.55M |
| Total Liabilities | 591.75M | 568.72M | 592.95M | 592.89M | 543.85M | 476.07M |
| Stockholders Equity | 51.97M | 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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $113.10M | 5.34 | 16.39% | ― | 24.01% | 20.16% | |
76 Outperform | $78.85M | 12.70 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $84.05M | 10.01 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $50.75M | 14.43 | 5.66% | 1.30% | 5.94% | 51.02% | |
58 Neutral | $47.00M | 14.24 | 6.40% | ― | -1.32% | 23.97% |
* Financial Sector Average
ESBS
ES Bancshares
6.85
-0.44
-6.04%
ASRV
Ameriserv Financial
5.08
2.12
71.62%
HFBL
Home Federal Bancorp Of Louisiana
25.92
12.92
99.45%
OPHC
Optimumbank Holdings
9.24
4.94
114.88%
TCBS
Texas Community
17.31
1.24
7.70%
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.