ES Bancshares Inc
ES Bancshares Inc operates as a bank, providing financial services to customers and generating revenue primarily through interest income from loans and fees from banking services.
Business. ES Bancshares Inc (ESBS.PK) is a bank operating within the Banking & Investment Services industry. The company is headquartered in the United States and trades on the OTC market. Specific details regarding its operating segments and geographic mix are not available.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Synthesis
ES Bancshares Inc (ESBS.PK) is a bank operating within the Banking & Investment Services industry. The company is headquartered in the United States and trades on the OTC market. Specific details regarding its operating segments and geographic mix are not available.
The company's capital structure is characterized by a debt-to-equity ratio of 1.5, indicating a moderate reliance on debt financing. Total liabilities amount to $582.48 million, with long-term debt at $69.35 million, while total equity stands at $46.15 million. The liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints.
Profitability metrics show a return on equity of -0.0022 and a return on assets of -0.0002, both of which are negative, indicating a loss-making position. These figures are below the typical performance metrics for the banking industry, suggesting underperformance relative to industry standards.
The company's revenue is concentrated in a single business segment, as disclosed in the financial snapshot, with no specific geographic breakdown provided. This lack of diversification may expose the company to higher operational and market risks.
The growth trajectory is currently negative, with a net income of -$103,000 for the period. There is no indication of a positive outlook for the next fiscal year, and the company's revenue history does not suggest a strong growth pattern.
Risk factors include a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag, indicating potential liquidity constraints. No dilution sources are identified, and there is no indication of near-term dilution pressure.
Recent events and filings do not provide specific details on the company's operations or strategic initiatives. The absence of detailed information may limit the ability to assess the company's future performance and strategic direction.
- The company is currently operating at a loss, with a negative return on equity and return on assets.
- The debt-to-equity ratio is 1.5, indicating a moderate reliance on debt financing.
- The liquidity position is assessed as medium, with a negative net cash position after subtracting total debt.
- The company's revenue is concentrated in a single business segment, with no geographic diversification disclosed.
- There is no indication of a positive growth trajectory, with a net income of -$103,000 for the period.
- The risk assessment indicates a medium liquidity risk and a low dilution risk.
Bull / Bear case
Generated · model-assistedNet income surged 160.5% year-over-year to $2.9 million, demonstrating significant recent profitability improvement.
Total revenue grew 17.8% year-over-year to $16.6 million, indicating strong top-line expansion momentum.
Equity increased 6.9% year-over-year to $50.8 million, reflecting a strengthening capital base.
Long-term debt decreased significantly from $78.6 million in FY-3 to $28.8 million in FY-4.
Dilution risk is assessed as low, suggesting limited threat to existing shareholder value from share issuance.
Debt-to-equity ratio of 1.5 is in the bottom quartile, exceeding the 0.28 median for peers.
Total assets declined 3.2% year-over-year to $616.3 million, signaling a contracting balance sheet.
Liquidity risk is rated as medium, indicating potential challenges in meeting short-term obligations.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Return On Assetsnet_income / total_assets
- ES Bancshares Inc Market data — financials · 2026-05-27