ES Bancshares
Market Cap
US$16.5m
Last Updated
2019/08/20 00:00 UTC
Data Sources
Company Financials
Executive Summary
ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various commercial banking products and services in New York.
Snowflake
Fundamentals
Flawless balance sheet and fair value.
Risks
- ES Bancshares is not covered by any analysts.
Similar Companies
Share Price & News
How has ES Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-3.8%
OTCPK:ESBS
0.3%
US Banks
0.9%
US Market
1 Year Return
-16.7%
OTCPK:ESBS
-13.6%
US Banks
0.3%
US Market
ESBS underperformed the Banks industry which returned -14.2% over the past year.
ESBS underperformed the Market in United States of America which returned -0.5% over the past year.
Share holder returns
| ESBS | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.8% | 0.3% | 0.9% |
| 30 Day | -4.5% | -5.1% | -1.9% |
| 90 Day | 11.1% | -3.5% | 1.6% |
| 1 Year | -16.7%-16.7% | -11.2%-13.6% | 2.6%0.3% |
| 3 Year | 37.9%37.9% | 43.6%33.7% | 41.0%31.8% |
| 5 Year | 95.1%95.1% | 53.7%37.0% | 55.2%38.0% |
Price Volatility Vs. Market
How volatile is ES Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is ES Bancshares undervalued based on future cash flows and its price relative to the stock market?
12.08x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
ES Bancshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
ES Bancshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
ES Bancshares is good value based on earnings compared to the US Banks industry average.
ES Bancshares is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for ES Bancshares, we can't assess if its growth is good value.
Price Based on Value of Assets
ES Bancshares is good value based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is ES Bancshares expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
16.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if ES Bancshares is high growth as no revenue estimate data is available.
ES Bancshares's earnings are expected to grow by 16.6% yearly, however this is not considered high growth (20% yearly).
Unable to compare ES Bancshares's revenue growth to the United States of America market average as no estimate data is available.
ES Bancshares's earnings growth is expected to exceed the United States of America market average.
ES Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if ES Bancshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has ES Bancshares performed over the past 5 years?
-15.1%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
ES Bancshares's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
ES Bancshares's 1-year earnings growth exceeds its 5-year average (192.7% vs -15.1%)
ES Bancshares's earnings growth has exceeded the US Banks industry average in the past year (192.7% vs 33.2%).
Return on Equity
ES Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
ES Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if ES Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is ES Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
ES Bancshares has an acceptable proportion of non-loan assets held.
ES Bancshares has a sufficient allowance for bad loans.
ES Bancshares's liabilities are made up of primarily low risk sources of funding.
ES Bancshares's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
Loans at ES Bancshares are broadly funded by customer deposits.
ES Bancshares has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is ES Bancshares's current dividend yield, its reliability and sustainability?
Dividend Yield and Payments Analysis
Unable to evaluate ES Bancshares's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
Unable to evaluate ES Bancshares's dividend against the top 25% market benchmark as the company has not reported any payouts.
Unable to perform a dividend volatility check as ES Bancshares has not reported any payouts.
Unable to verify if ES Bancshares's dividend has been increasing as the company has not reported any payouts.
Current Payout to Shareholders
Unable to calculate sustainability of dividends as ES Bancshares has not reported any payouts.
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of ES Bancshares's salary, the management and board of directors tenure and is there insider trading?
10.6yrs
Average management tenure
CEO
Phil Guarnieri (61yo)
10.6yrs
Tenure
US$182,354
Compensation
Mr. Philip A. Guarnieri serves Chief Executive Officer of ES Bancshares Inc. Mr. Guarnieri served as President and Co-CEO from 2009 to 2015 and from 2004 to 2008, he served as President and Chief Operating ...
Management Age and Tenure
10.6yrs
Average Tenure
61yo
Average Age
The average tenure for the ES Bancshares management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
13.6yrs
Average Tenure
63.5yo
Average Age
The average tenure for the ES Bancshares board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Insider Trading
No 3 month open market individual insider trading information.
Management Team
Joe MacChia (67yo)
Senior Vice President of Retail Banking & Operations
- Tenure: 12.6yrs
- Compensation: US$118.31k
Phil Guarnieri (61yo)
CEO & Director
- Tenure: 10.6yrs
- Compensation: US$182.35k
Tom Sperzel (47yo)
President
- Tenure: 3.6yrs
- Compensation: US$138.96k
Bryan Lahey (61yo)
Assistant Vice President of Empire State Bank and Comptroller of Empire State Bank
- Tenure: 15.6yrs
Peggy Edwards
Corporate Secretary
- Tenure: 0.0yrs
Frank Gleeson (63yo)
Senior VP & CFO
- Tenure: 2.6yrs
Steve Drobysh
Senior Vice President of Empire State Bank
- Tenure: 0.0yrs
Board Members
Phil Guarnieri (61yo)
CEO & Director
- Tenure: 10.6yrs
- Compensation: US$182.35k
Michael Ostrow (68yo)
Director
- Tenure: 13.6yrs
Andrew Finkelstein (53yo)
Director
- Tenure: 13.6yrs
David Mesches (84yo)
Director
- Tenure: 13.6yrs
Gale Foster (65yo)
Director
- Tenure: 13.6yrs
Dave Freer (79yo)
Chairman of the Board
- Tenure: 3.6yrs
Thomas Weddell (62yo)
Director
- Tenure: 12.8yrs
Albert Pagano (82yo)
Director
- Tenure: 13.6yrs
Tom Sperzel (47yo)
President
- Tenure: 3.6yrs
- Compensation: US$138.96k
Walter Daszkowski (46yo)
Vice Chairman of the Board
- Tenure: 3.6yrs
Company Information
ES Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: ES Bancshares, Inc.
- Ticker: ESBS
- Exchange: OTCPK
- Founded: 2004
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$16.482m
- Shares outstanding: 4.12m
- Website: https://www.esbna.com
Location
- ES Bancshares, Inc.
- 68 North Plank Road
- Newburgh
- New York
- 12550
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| ESBS | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Jul 2004 |
Biography
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 bu ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/20 00:00 |
| End of Day Share Price | 2019/08/19 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.