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ES Bancshares, Inc (ESBS) Fair Value & Analysis

Financial Services · US · Market cap $40.5M

Price$5.91
Fair Value$5.40
Upside-8.6%
Quality95/100
Evidence: High Range $4.05 – $6.75

Fair value as of: Jun 26, 2026

Analysis

ES Bancshares, Inc (ESBS) currently trades at $5.91, while our model-based Fair Value estimate is $5.40 — implying the stock looks roughly 8.6% 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

ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various financial services in New York. The company provides personal and business checking, money market, and savings accounts; certificate of deposit accounts; and individual retirement accounts. It offers SBA loans, commercial term and commercial real estate loans, and secured lines and commercial letters of credit; SBA and commercial real estate financing, as well as 2-3-4 family investment property; and residential mortgages. In addition, the company provides various services, including cash and escrow management, night depository, remote deposit, debit card, QuickBooks/Quicken, and wire services; remote deposit; insurance programs; and checks, direct deposits, automatic loan payments, automatic transfer, and combined statements services. Further, it provides digital wallet, and online and mobile banking services. The company was founded in 2004 and is headquartered in Staten Island, New York.

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Frequently asked questions

Is ES Bancshares, Inc (ESBS) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $5.40 versus a price of $5.91 — about −9% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ESBS?
Our 21-model fair value for ES Bancshares, Inc is $5.40 (as of Jun 26, 2026), built from audited fundamentals. The current price is $5.91.
What is the quality score of ESBS?
ES 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.