ES Bancshares (ESBS) AI Stock Analysis

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ES Bancshares

(Other OTC:ESBS)

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Rating:56Neutral

Price Target:$9.00▲(6.38% Upside)

Action:reiterated

Date:10/27/26

The score is driven primarily by mixed financial performance: improved leverage and a 2025 revenue/cash flow rebound are positives, but materially compressed profitability and volatile cash flow reduce confidence in earnings quality. Technicals are supportive due to a strong uptrend, though extremely overbought momentum signals raise near-term risk. Valuation is roughly neutral at a ~15.9 P/E with no dividend yield data to offset fundamentals.

Positive Factors

2025 Revenue ReboundRevenue stepped up materially in 2025 after a weaker 2024, showing the bank can restore top-line momentum in its local markets. If sustained, this rebound can support operating leverage and provide a stronger base for funding lending growth over the next several quarters.

Negative Factors

Compressed ProfitabilityMaterially lower net and operating margins indicate that higher revenue has not translated into comparable earnings power. Persistent margin pressure can reduce capital accumulation, limit reinvestment capacity, and make future returns more sensitive to funding costs, credit performance, or expenses.

ES Bancshares (ESBS) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $57.84M
Dividend Yield: ―
Average Volume (3M): 31.35K
Price to Earnings (P/E): 15.9
Beta (1Y): 0.07
Revenue Growth: -0.74%
EPS Growth: 35.42%
Country: US
Employees: 37
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 checking a...

ES Bancshares Financial Statement Overview

Summary

Fundamentals are mixed: revenue stepped up in 2025 and leverage has improved versus prior years, but profitability has weakened materially since 2021–2022 with compressed net/EBIT margins and mid-single-digit ROE. Cash flow reliability is also a concern given the negative operating cash flow in 2024 followed by a sharp rebound in 2025.

Income Statement

58Neutral

Balance Sheet

54Neutral

Cash Flow

49Neutral

Financial statement breakdown
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	6.47M	-1.77M	1.50M	2.11M	4.85M
Operating Cash Flow	0	6.57M	-1.71M	1.91M	3.29M	7.60M
Investing Cash Flow	0	25.06M	-1.92M	-55.99M	-158.76M	-8.23M
Financing Cash Flow	0	-21.70M	-2.39M	48.69M	134.51M	-2.82M

ES Bancshares Technical Analysis

Technical Analysis SentimentPositive

Last Price8.46

Price Trends

50DMA7.42Positive

100DMA6.86Positive

200DMA6.66Positive

Market Momentum

MACD0.33Negative

RSI75.36Negative

STOCH73.74Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ESBS, the sentiment is Positive. The current price of 8.46 is above the 20-day moving average (MA) of 7.97, above the 50-day MA of 7.42, and above the 200-day MA of 6.66, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 75.36 is Negative, neither overbought nor oversold. The STOCH value of 73.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ESBS.

ES Bancshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

ESBS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	83Outperform	$117.01M	5.30	16.39%	―	24.01%	20.16%
ASRV	70Outperform	$78.66M	8.45	7.48%	2.64%	2.43%	75.47%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.55M	14.33	6.14%	1.45%	5.94%	51.02%
HFBL	64Neutral	$70.04M	10.56	11.12%	2.52%	7.94%	43.98%
ESBS	56Neutral	$58.12M	15.88	6.99%	―	-0.74%	35.42%

* Financial Sector Average

Performance Comparison

ESBS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
ESBS	ES Bancshares, Inc.	8.46	1.83	27.60%
ASRV	AmeriServ Financial, Inc.	4.54	1.52	50.38%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.61	7.55	50.13%
OPHC	Optimumbank	9.17	5.22	132.15%
TCBS	Texas Community Bancshares, Inc.	17.20	1.42	8.99%

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.

Date of analysis: Oct 27, 2026

ES Bancshares AI Stock Analysis