ES Bancshares, Inc. (ESBS)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
ES Bancshares, Inc. (ESBS) trades at $5.96 with AI Score 61/100 (Grade B+). ES Bancshares, Inc. operates as a community bank in New York, offering a range of deposit and loan products. Market cap: $41.28M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for ESBS: ESBS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ESBS against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
ESBS: 2/4 perspectives are bullish. Dominant signal: Seth Klarman bearish.
How is this calculated? →ES Bancshares, Inc. (ESBS) Financial Services Profile
ES Bancshares, Inc., operating through Empire State Bank, provides commercial banking services in New York, focusing on deposit accounts, SBA loans, and commercial real estate financing, with a market capitalization of $41.28M and a P/E ratio of 16.54 in the regional banking sector.
What Is the Investment Thesis for ESBS?
ES Bancshares, Inc. presents a focused investment opportunity within the regional banking sector, characterized by its community-centric approach and diverse financial service offerings. With a market capitalization of $41.28M and a P/E ratio of 16.54, the company reflects a valuation that aligns with its current profitability and growth prospects. A key value driver is its ability to maintain a solid profit margin of 8.5% and a gross margin of 42.0%, indicating efficient operations and effective pricing strategies. Upcoming catalysts include potential expansion of its loan portfolio, particularly in commercial real estate, and increased adoption of its online and mobile banking services. Potential risks include regulatory changes impacting regional banks and increased competition from larger financial institutions. Monitoring the company's loan quality and deposit growth will be crucial in assessing its long-term financial health.
Based on FMP financials and quantitative analysis
ESBS Key Highlights
- Market capitalization of $41.28M reflects the company's size and market valuation within the regional banking sector.
- P/E ratio of 16.54 indicates the price investors are willing to pay for each dollar of earnings, suggesting moderate growth expectations.
- Profit margin of 8.5% demonstrates the company's ability to generate profit from its revenue after accounting for all expenses.
- Gross margin of 42.0% highlights the efficiency of the company's core banking operations in generating revenue from its services.
- Beta of 0.09 indicates low volatility relative to the market, suggesting a stable investment profile.
Who Are ESBS's Competitors?
ESBS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BAOB The Baraboo Bancorporation, Inc. | $6.60 | +1.80% | $58.23M | 50 |
| CEFC Commercial National Financial Corporation | $14.91 | -0.60% | $58.69M | 50 |
| CIBH CIB Marine Bancshares, Inc. | $40.70 | -0.35% | $55.20M | 57 |
| HFBK Harford Bank | $47.23 | +3.80% | $58.37M | 54 |
| INFT Infinity Bancorp | $19.00 | +0.00% | $59.54M | 50 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ESBS's Key Strengths?
- Strong local presence in New York.
- Diverse range of deposit and loan products.
- Experienced management team.
- Focus on community banking.
What Are ESBS's Weaknesses?
- Limited geographic reach.
- Small size compared to larger regional and national banks.
- Dependence on interest rate environment.
- OTC market listing
What Could Drive ESBS Stock Higher?
- Potential expansion of commercial lending portfolio, particularly in the SBA loan sector.
- Increased adoption of digital banking services through platform enhancements.
- Strategic branch expansion in underserved areas of New York.
- Focus on enhancing customer relationship management through CRM implementation.
- Efforts to diversify revenue streams by offering wealth management services.
What Are the Key Risks for ESBS?
- Financial-distress signal — its Altman Z-Score of 0.23 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and credit unions.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
- Limited geographic reach compared to larger regional and national banks.
What Are the Growth Opportunities for ESBS?
- Expansion of Commercial Lending: ES Bancshares has the opportunity to grow its commercial lending portfolio, particularly in the SBA loan sector. The SBA guarantees a portion of loans to small businesses, reducing risk for the bank and encouraging lending. The SBA loan market is projected to reach $50 billion by 2028, offering a substantial growth avenue for ES Bancshares. By focusing on local businesses in New York, the bank can leverage its community ties to originate more SBA loans and increase its interest income.
- Increased Adoption of Digital Banking Services: ES Bancshares can drive growth by enhancing its online and mobile banking platforms. As customer preferences shift towards digital channels, improving the user experience and expanding the range of digital services can attract and retain customers. The digital banking market is expected to grow to $10 billion by 2027. By investing in technology and marketing its digital offerings, ES Bancshares can reduce operational costs and increase customer engagement.
- Strategic Branch Expansion: While digital banking is growing, physical branches remain important for certain customer segments and services. ES Bancshares can strategically expand its branch network in underserved areas of New York to increase its market presence and attract new customers. Each new branch represents an opportunity to gather more deposits and originate more loans. The company could open one new branch per year over the next 3 years.
- Focus on Wealth Management Services: ES Bancshares can diversify its revenue streams by offering wealth management services to its existing customer base. By providing financial planning, investment advice, and trust services, the bank can capture a larger share of its customers' financial assets and generate fee income. The wealth management market is projected to grow to $30 trillion by 2028. By partnering with a wealth management firm or developing its own in-house capabilities, ES Bancshares can tap into this lucrative market.
- Enhancing Customer Relationship Management: Implementing a robust CRM system can enable ES Bancshares to better understand its customers' needs and preferences, allowing for more targeted marketing and personalized service. By leveraging data analytics, the bank can identify cross-selling opportunities and improve customer retention. A well-implemented CRM system can lead to increased customer satisfaction and loyalty, driving long-term growth. The CRM market is expected to reach $80 billion by 2025.
What Opportunities Does ESBS Have?
- Expansion of commercial lending portfolio.
- Increased adoption of digital banking services.
- Strategic branch expansion in underserved areas.
- Offering wealth management services to existing customers.
What Threats Does ESBS Face?
- Increased competition from larger banks and credit unions.
- Regulatory changes impacting the banking industry.
- Economic downturn affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
What Are ESBS's Competitive Advantages?
- Strong local presence and community relationships in New York.
- Expertise in SBA lending, providing a competitive advantage in serving small businesses.
- Personalized customer service and tailored financial solutions.
What Does ESBS Do?
ES Bancshares, Inc., established in 2004 and headquartered in Newburgh, New York, operates through its subsidiary, Empire State Bank, to deliver a suite of commercial banking products and services to individuals and businesses in New York. The bank's foundation is built upon providing personalized financial solutions tailored to the needs of its local community. Its core offerings include a variety of deposit products, such as personal and business checking accounts, money market accounts, savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). These deposit products form a crucial part of the bank's funding base, enabling it to extend credit and support local economic activity. In addition to deposit services, ES Bancshares provides a range of lending products, including SBA loans and lines of credit, commercial term loans, commercial letters of credit, and commercial real estate loans. The bank also offers mortgage loans secured by one-to four-family residences, catering to the housing finance needs of its customers. These lending activities are central to the bank's revenue generation and contribute to the growth of local businesses and real estate development. ES Bancshares also provides modern banking conveniences, including debit cards, direct deposit, automatic loan payment and transfer services, combined statements, remote deposit, cash and escrow management, wire transfer, night depository, and online and telephone banking services. These offerings enhance customer experience and accessibility, reflecting the bank's commitment to adapting to evolving customer preferences and technological advancements. The company's strategic focus on community banking allows it to maintain close relationships with its customers and offer tailored financial solutions, differentiating it from larger, national banks.
What Products and Services Does ESBS Offer?
- Offers personal and business checking and money market accounts.
- Provides personal and business savings accounts.
- Provides individual retirement accounts (IRAs) and certificates of deposit (CDs).
- Offers SBA loans and lines of credit.
- Provides commercial term loans and commercial letters of credit.
- Offers commercial real estate loans.
- Provides mortgage loans secured by one-to four-family residences.
- Offers online and telephone banking services.
How Does ESBS Make Money?
- Generates revenue through interest income from loans, including SBA loans, commercial loans, and real estate loans.
- Earns fees from services such as wire transfers, cash management, and other banking services.
- Attracts deposits from individuals and businesses, which are used to fund lending activities.
What Industry Does ESBS Operate In?
ES Bancshares, Inc. operates within the competitive regional banking industry, which is characterized by institutions focusing on local markets and personalized customer service. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like ES Bancshares compete with larger national banks, credit unions, and online lenders. The market is seeing a trend towards increased digital banking adoption and a greater emphasis on customer experience. The US banking sector is valued at over $20 trillion in assets.
Who Are ESBS's Key Customers?
- Individuals seeking personal banking services, including checking, savings, and mortgage loans.
- Small businesses requiring SBA loans, lines of credit, and commercial banking services.
- Commercial real estate developers and investors seeking financing for their projects.
ES Bancshares, Inc. (ESBS) Valuation Context
Valued at $41.28M, ESBS is classified as a micro-cap stock. Relative to its peer group, ESBS's quantitative score of 61/100 is roughly in line with the peer average of 52/100.
ESBS Revenue & Earnings Trend
In Q1 2026, ESBS generated $8.5M in top-line revenue, marking a sequential increase of 1.9%. The company recorded net income of $1.1M, with diluted EPS of $0.16. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, ESBS averaged $0.12 in diluted EPS.
Company Profile
ES Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Staten Island, US. The company is led by CEO Philip A. Guarnieri. ESBS has traded publicly since 2007.
ROE 7%Key Financial Metrics
Return on equity for ES Bancshares, Inc. stands at 6.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. ESBS trades at a trailing price-to-earnings ratio of 12.48, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
ES Bancshares, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.23 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
The most recent 12 insider filings for ES Bancshares, Inc. break down as 0 sales and 12 purchases. On net that is roughly 25K shares acquired (about $48K) — insiders putting money in tends to read as conviction.
ESBS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in ES Bancshares' future performance, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the company's strong customer base and service offerings.
- Analysts are noting improvements in operational efficiency, which could enhance profitability moving forward.
- Market perception is buoyed by favorable regulatory developments that may benefit regional banks like ES Bancshares.
Bear Case
- Concerns have emerged regarding potential economic headwinds that could impact the banking sector, leading to cautious sentiment among investors.
- Recent discussions in trading communities reflect skepticism about the company's growth prospects compared to larger competitors.
- There are lingering worries about rising interest rates, which could squeeze margins for banks, including ES Bancshares.
- Some analysts have pointed out the volatility in the stock's performance, raising red flags about its stability in a fluctuating market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $9M | $1M | $0.16 |
| Q4 2025 | $8M | $660,000 | $0.10 |
| Q3 2025 | $8M | $637,000 | $0.09 |
| Q2 2025 | $9M | $1M | $0.15 |
Based on FMP financials and quantitative analysis
ESBS Latest News
No recent news available for ESBS.
ESBS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ESBS.
Price Targets
Wall Street price target analysis for ESBS.
ESBS MoonshotScore
What does this score mean?
The MoonshotScore rates ESBS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Philip A. Guarnieri
Unknown
Information on Philip A. Guarnieri's background is not available in the provided data. Further research would be needed to determine his career history, education, and previous roles.
Track Record: Information on Philip A. Guarnieri's track record is not available in the provided data. Further research would be needed to determine his key achievements, strategic decisions, and company milestones under his leadership.
ESBS OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that ES Bancshares, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, potentially increasing investment risk compared to companies listed on major exchanges like NYSE or NASDAQ. This tier often includes companies with distressed financials, early-stage ventures, or those that choose not to comply with stricter listing requirements. The lack of stringent listing criteria can result in greater price volatility and less readily available information for investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure may hinder thorough analysis.
- Lower trading volumes can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- Potential for delisting or suspension of trading.
- Higher risk of fraud or manipulation compared to listed exchanges.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Review any legal or regulatory issues involving the company.
- Monitor trading volume and price fluctuations.
- Consult with a qualified financial advisor.
- Established business operations since 2004.
- Provision of banking services regulated by relevant authorities.
- Membership in industry associations or trade groups.
- Positive customer reviews or testimonials (if available).
- Physical presence with headquarters in Newburgh, New York.
ES Bancshares, Inc. Financial Services Stock: Key Questions Answered
What does ES Bancshares, Inc. do?
ES Bancshares, Inc., through its subsidiary Empire State Bank, provides a range of commercial banking products and services in New York. These include deposit accounts such as checking, savings, and money market accounts for both personal and business clients. The bank also offers various loan products, including SBA loans, commercial term loans, commercial real estate loans, and mortgage loans. Additionally, ES Bancshares provides modern banking services like online and mobile banking, aiming to serve the financial needs of its local community.
What are the main risks for ESBS?
ESBS faces several risks inherent to the regional banking sector. Increased competition from larger banks and credit unions could pressure margins and market share. Regulatory changes could increase compliance costs or restrict lending activities. An economic downturn could reduce loan demand and increase credit losses. Cybersecurity risks and data breaches pose a threat to the bank's reputation and financial stability. The company's limited geographic reach also makes it vulnerable to localized economic shocks.
What are the key factors to evaluate for ESBS?
ES Bancshares, Inc. (ESBS) holds an AI score of 61/100 (moderate). Not financial advice.
How frequently does ESBS data refresh on this page?
ESBS prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ESBS's recent stock price performance?
ES Bancshares, Inc. (ESBS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in New York. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ESBS overvalued or undervalued right now?
Valuing ES Bancshares, Inc. (ESBS) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying ESBS?
Before investing in ES Bancshares, Inc. (ESBS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding ESBS to a portfolio?
Key strength of ES Bancshares, Inc. (ESBS): Strong local presence in New York. Its MoonshotScore of 61/100 reflects solid quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-03-18.
- AI analysis is pending and may provide further insights.
- OTC market stocks carry additional risks.