What is the fair value of Es Bancshares Md (OTC-ESBS) stock?

The current fair value estimate for Es Bancshares Md (OTC-ESBS) is $6.62. This implies an estimated downside of 8.1% versus the current market price.

Is Es Bancshares Md (OTC-ESBS) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 8.1% versus the current market price.

How is the financial health of Es Bancshares Md?

The current financial health read for Es Bancshares Md (OTC-ESBS) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Es Bancshares Md's next earnings date?

The next earnings date currently listed for Es Bancshares Md (OTC-ESBS) is October 23, 2026.

Does Es Bancshares Md (OTC-ESBS) pay dividends?

The latest available data indicates no current dividend yield for Es Bancshares Md (OTC-ESBS).

What is the P/E ratio for Es Bancshares Md (OTC-ESBS)?

The current P/E ratio listed for Es Bancshares Md (OTC-ESBS) is 14.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Es Bancshares Md?

The current market capitalization listed for Es Bancshares Md is 49.586 M.

What is the ticker symbol for Es Bancshares Md?

The ticker symbol for Es Bancshares Md is OTC-ESBS, and the stock is listed on OTC Markets.

Where is Es Bancshares Md (OTC-ESBS) listed?

Es Bancshares Md (OTC-ESBS) is listed on OTC Markets.

What is the debt-to-total-capital ratio for Es Bancshares Md?

The current debt-to-total-capital ratio listed for Es Bancshares Md is 52.0%, which helps investors evaluate the company’s financing structure and leverage profile.

Es Bancshares Md (ESBS) Fair Value & Stock Analysis

Es Bancshares Md (ESBS)

ES Bancshares, Inc. is a common stock listing on OTC Markets and the parent of Empire State Bank, a New York-based banking company. Through its subsidiary, the company provides a range of financial services focused on personal and business banking, including checking, savings, money market, and certificate of deposit accounts, as well as individual retirement accounts. Its lending activities include SBA loans, commercial term loans, commercial real estate loans, secured lines of credit, commercial letters of credit, residential mortgages, and financing for 2-3-4 family investment property. The company also provides cash and escrow management, night depository, remote deposit, debit card services, accounting software integration, wire services, insurance programs, and digital wallet, online, and mobile banking capabilities. Founded in 2004, ES Bancshares is headquartered in Staten Island, New York.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Altman Z-Score
OTC-ESBS	$6.62	-8.1% Downside	Fair	Not available	Not available	Good	0.0%	October 23, 2026	14.7x	0.9x	2.5x	49.586 M	52.0%	-1.3