ES Bancshares

ESBS

Banks - Regional · Financial Services

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Exceptional

Valuation

Good

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Winston Score History

The full picture

ES Bancshares, Inc. is a small regional bank holding company based in New York. It operates through its subsidiary, Empire State Bank, which offers basic banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses in the New York metro area.

The company makes money primarily through net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from banking services. ES Bancshares is a very small community bank, with a market cap near zero, meaning it competes in a crowded local market against much larger institutions with greater resources. Its main challenge is growing its loan book and deposit base while managing credit risk and rising funding costs, both of which can pressure profitability at this scale.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-7.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-13.3% YoY

YoY Growth Rate

Earnings declining

Insider Activity

4.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$599M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

ES Bancshares's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+12.3%

Fast-growing sales (+12.3% YoY)

Profit growth

EPS YoY

+26.2%

Earnings growing fast (+26.2% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

14.6x

no trend

Attractive valuation — P/E 14.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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