ES Bancshares (OTCPK:ESBS) - Stock Price, News & Analysis

ESBS Stock Overview

ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various commercial banking products and services in New York.

ESBS fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (5.3x) is below the US market (15x)

Earnings grew by 59.7% over the past year

Risk Analysis

Does not have a meaningful market cap ($31M)

My Notes

New

Notes are coming soon

ES Bancshares, Inc. Competitors

Savi Financial Corporation

OTCPK:SVVB

US$28.9m

Victory Bancorp

OTCPK:VTYB

US$30.8m

Golden State Bancorp

OTCPK:GSBX

US$37.6m

CBOA Financial

OTCPK:CBOF

US$31.2m

Price History & Performance

Summary of all time highs, changes and price drops for ES Bancshares
Historical stock prices
Current Share Price	US$4.60
52 Week High	US$5.80
52 Week Low	US$4.13
Beta	0.24
1 Month Change	7.65%
3 Month Change	-3.36%
1 Year Change	-12.71%
3 Year Change	-11.54%
5 Year Change	-8.00%
Change since IPO	-57.21%

Recent updates

Shareholder Returns

	ESBS	US Banks	US Market
7D	4.5%	3.3%	2.8%
1Y	-12.7%	-14.7%	-9.2%

Return vs Industry: ESBS exceeded the US Banks industry which returned -15% over the past year.

Return vs Market: ESBS underperformed the US Market which returned -9.7% over the past year.

Price Volatility

Is ESBS's price volatile compared to industry and market?
ESBS volatility
ESBS Average Weekly Movement	5.9%
Banks Industry Average Movement	3.7%
Market Average Movement	6.9%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	2.8%

Stable Share Price: ESBS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: Insufficient data to determine ESBS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2004	n/a	Phil Guarnieri	https://www.esbna.com

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 business checking and money market accounts, personal and business savings accounts, individual retirement accounts, and certificates of deposits. It also provides SBA loans and lines of credit, commercial term loans, commercial letters of credit, and commercial real estate loans, as well as mortgage loans secured by one-to four-family residences.

ES Bancshares, Inc. Fundamentals Summary

How do ES Bancshares's earnings and revenue compare to its market cap?
ESBS fundamental statistics
Market Cap	US$30.67m
Earnings (TTM)	US$5.75m
Revenue (TTM)	US$20.99m

5.3x

P/E Ratio

0.7x

P/B Ratio

Is ESBS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
ESBS income statement (TTM)
Revenue	US$20.99m
Cost of Revenue	US$0
Gross Profit	US$20.99m
Other Expenses	US$15.24m
Earnings	US$5.75m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	0.86
Gross Margin	100.00%
Net Profit Margin	27.38%
Debt/Equity Ratio	113.6%

How did ESBS perform over the long term?

See historical performance and comparison

ES Bancshares OTCPK:ESBS Stock Report