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Empire Bancshares, Inc (EBSH) Fair Value & Analysis

Financial Services · US · Market cap $27.2M

Price$41.10
Fair Value$28.43
Upside-30.8%
Quality95/100
Evidence: High Range $21.32 – $35.53

Fair value as of: Jun 26, 2026

Analysis

Empire Bancshares, Inc (EBSH) currently trades at $41.10, while our model-based Fair Value estimate is $28.43 — implying the stock looks roughly 30.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Empire Bancshares, Inc. operates as the bank holding company for The Hicksville Bank that provides various banking products and services. It offers checking and savings, money market, NOW, and Christmas club accounts; certificates of deposit; and individual retirement accounts. The company also provides auto loans, personal consumer loans, home equity lines of credit, mortgage loans, residential construction loans, mortgages, commercial real estate lending, lines of credit, term loans, small business administration loans, and agriculture loans. In addition, it offers ATM and debit cards, online and mobile banking, bill payment, overdraft protection, wire transfer, safe deposit box rental, account research and balancing assistance, cashier checks, check cashing, money orders, night depository, and notary services. Empire Bancshares, Inc. was founded in 1901 and is based in Hicksville, Ohio.

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Frequently asked questions

Is Empire Bancshares, Inc (EBSH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $28.43 versus a price of $41.10 — about −31% (overvalued). Model-based estimate, not financial advice.
What is the fair value of EBSH?
Our 21-model fair value for Empire Bancshares, Inc is $28.43 (as of Jun 26, 2026), built from audited fundamentals. The current price is $41.10.
What is the quality score of EBSH?
Empire Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.