OTC · Banks - Regional

ES Bancshares, Inc. (ESBS) Stock

$7.30 -1.88% OTC: ESBS Financial Services

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 accounts, money market accounts, savings accounts for both individuals and businesses, individual retirement accounts (IRAs), and certificates of deposit (CDs).

Valuation

MetricValue
Price$7.30
Market Cap$50.57M
P/E Ratio15.18
P/B Ratio0.95
P/S Ratio1.51
EPS (TTM)$0.48
52-Week High$7.56
52-Week Low$5.73
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.40%
ROA0.53%
ROCE0.65%
Gross Margin57.88%
Operating Margin11.92%
Net Margin9.82%
Debt/Equity0.99
Current Ratio2.79

Annual Financials (USD)

Metric20212022202320242025
Revenue$22.0M$23.0M$29.0M$15.0M$34.0M
Operating Profit$6.0M$7.0M$2.0M$1.0M$4.0M
Net Profit$5.0M$5.0M$1.0M$1.0M$3.0M
EPS$0.69$0.78$0.22$0.16$0.42
Op Margin27.1%30.1%6.5%9.1%11.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$515.0M$588.0M$639.0M$641.0M$616.0M
Total Liabilities$476.0M$544.0M$593.0M$593.0M$569.0M
Cash$59.0M$38.0M$33.0M$27.0M$37.0M
Borrowings$35.0M$86.0M$91.0M$68.0M$56.0M

Latest News

ES Bancshares, Inc. Announces Second Quarter 2026 Results; Ninth Consecutive Quarter of Growth in Our Book Value Per Share GlobeNewswire · Jul 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$3.0M$2.0M$-2.0M$7.0M
Investing Cash Flow$-11.0M$-160.0M$-56.0M$-2.0M$25.0M
Financing Cash Flow$59.0M$85.0M$44.0M$19.0M$-11.0M
Net Cash Flow$-3.0M$-21.0M$-5.0M$-6.0M$10.0M
Free Cash Flow$5.0M$2.0M$1.0M$-2.0M$6.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.58
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y1.25%
Return 3Y33.46%
Return 5Y43.14%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBYCommunity Capital Bancshares, Inc. $32.33 +1.06% 8.40 $41.14M 6.34%
BHDBBank of Labor Bancshares, Inc. $129.50 +0.00% 0.00 $44.35M 4.19%
EBSHEmpire Bancshares, Inc. $44.00 +0.00% 20.09 $29.10M 1.15%
FCPBFirst Capital Bancshares, Inc. $13.10 +0.00% 14.60 $7.39M 0.00%
FIBHFirst Bancshares, Inc. $40.35 +0.00% -3.64 $22.01M 3.47%

About ES Bancshares, Inc.

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 accounts, money market accounts, savings accounts for both individuals and businesses, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bank also extends various lending products, including Small Business Administration (SBA) loans and credit lines, term loans for businesses, commercial letters of credit, commercial real estate financing, and home mortgages for properties with one to four units. Furthermore, clients can access a variety of supplementary services such as debit cards, direct deposit, automated loan payments and transfers, consolidated statements, remote check deposit, cash and escrow management, wire transfers, night depository facilities, and both online and phone banking functionalities. Established in 2004, ES Bancshares, Inc. maintains its corporate headquarters in Newburgh, New York.

ES Bancshares, Inc. is headquartered in US.

ES Bancshares, Inc. (ESBS) stock trades at $7.30 with a market capitalization of $50.57M. The stock is valued at a price-to-earnings (P/E) ratio of 15.18, price-to-book of 0.95, price-to-sales of 1.51. Over the past 52 weeks the stock has ranged between $5.73 and $7.56, and currently trades 3.4% below its 52-week high.

On profitability, ES Bancshares, Inc. generates a return on equity (ROE) of 6.40%, return on capital employed of 0.65%, an operating margin of 11.92%, a net profit margin of 9.82%.

Official website: www.esbna.com

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