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ES Bancshares, Inc. (ESBS)

USD6.15 +0.01 (+0.16%)
US OTC Financial Services Banks - Regional
Address 68 North Plank Road 12550
Staten Island, NY, US
CEO Philip A. Guarnieri
Website esbna.com
IPO 2007-09-04
CIK 1358254 ISIN US2960491098

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Description

ES Bancshares, Inc., through its subsidiary Empire State Bank, delivers a comprehensive suite of commercial banking solutions and offerings across New York. Its deposit portfolio encompasses a range of options such as personal and business checking accounts, money market accounts, savings accounts for both individuals and businesses, individual retirement accounts (IRAs), and certificates of deposit (CDs). The bank also extends various lending products, including Small Business Administration (SBA) loans and credit lines, term loans for businesses, commercial letters of credit, commercial real estate financing, and home mortgages for properties with one to four units. Furthermore, clients can access a variety of supplementary services such as debit cards, direct deposit, automated loan payments and transfers, consolidated statements, remote check deposit, cash and escrow management, wire transfers, night depository facilities, and both online and phone banking functionalities. Established in 2004, ES Bancshares, Inc. maintains its corporate headquarters in Newburgh, New York.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD6.15 +0.01 (+0.16%)
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Volume Profile
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Liquidity & share structure
Average Volume
4.8K
Beta
0.05
Float Shares
6.64M
Free Float %
95.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.17% +3.17% -4.48% -9.90% -16.80% -14.62% -4.33% +72.91% +28.96% +109.83% -42.42%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
6.15
DCF (Unlevered) 7.11 +15.7%
DCF (Levered) 5.13 -16.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.23
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +120.5% Q1'26: +2.9% (vs Q1'25)
  • EPS growth
    +162.5% Q1'26: +102.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +12.2% (vs Q1'25)
  • ROIC
    Q1'26: +8.2% (vs Q1'25)
  • Share dilution
    +0.5% Q1'26: +0.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 13.33× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.07) × ERP
WACC = 43% × Ke + 57% × Kd (26.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7.11 Current price: 6.15
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-22 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-19 B 3/5 4/5 3/5 3/5 2/5 2/5 3/5
2026-05-14 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-12 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-04 B- 3/5 3/5 2/5 3/5 2/5 2/5 3/5
2026-05-01 B- 2/5 3/5 2/5 3/5 1/5 2/5 3/5
2026-04-23 B 3/5 4/5 3/5 4/5 1/5 2/5 3/5
2026-04-17 B 3/5 4/5 3/5 4/5 1/5 2/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
864.3K
OE per share TTM
0.13
Owner's Yield
2.02%
Maintenance CapEx ratio
26.49%
Maint CapEx / Avg PPE
46.4%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
93.0K
Insider transactions (90d)
0
Beneficial owners (>5%)
3
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Banc Fund IX L.P.371755531 180.7K 2.70% 180.7K 180.7K PN USA 2022-02-08
2 Banc Fund X L.P.201818049 2.70% 180.7K 180.7K PN USA 2022-02-08
3 Banc Fund VIII L.P.262334080 0.00% PN USA 2022-02-08

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
1
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 FNY INVESTMENT ADVISERS, LLC 14.0K +11.5K (+460.0%) 93.0K +75.0K (+416.7%) 0.20% +0.166 pp 0.04% +0.036 pp USD6.61 +1.4% 11 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
10
Sells
0
Shares acquired
23.7K
Shares disposed
Cash buys
1.00
Cash sales
Net activity
+23,664
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2012-09-11 Weddell Thomas D Director L-Small A Common Stock 1,518 2.00 3.0K 6,518
2012-09-11 Sperzel Thomas Officer L-Small A Common Stock 1,519 2.00 3.0K 16,519
2012-09-11 Pagano Albert J Director L-Small A Common Stock 1,518 2.00 3.0K 78,349
2012-09-11 Ostrow Michael P Director L-Small A Common Stock 1,518 2.00 3.0K 16,551
2012-09-11 Mesches David N Director L-Small A Common Stock 1,518 2.00 3.0K 27,418
2012-09-11 Guarnieri Philip Director / Officer L-Small A Common Stock 1,518 2.00 3.0K 35,518
2012-09-11 Freer David Jr Director L-Small A Common Stock 1,518 2.00 3.0K 24,016
2012-09-11 Finklestein Andrew G Director L-Small A Common Stock 1,518 2.00 3.0K 60,518
2012-09-11 Costa Anthony P Director / Officer L-Small A Common Stock 1,519 2.00 3.0K 50,727
2012-08-31 Finklestein Andrew G Director P-Purchase A Common Stock 10,000 1.85 18.5K 59,000
2012-05-30 Weddell Thomas D Director L-Small A Common Stock 500 2.50 1.3K 7,666
2012-05-16 Weddell Thomas D Director L-Small A Common Stock 500 2.60 1.3K 7,166
2012-02-09 Weddell Thomas D Director P-Purchase A Common Stock 6,666 3.00 20.0K 6,666
2012-02-09 Sperzel Thomas Officer L-Small A Common Stock 3,333 3.00 10.0K 3,333
2012-02-09 Ostrow Michael P Director L-Small A Common Stock 3,333 3.00 10.0K 15,033
2012-02-09 Guarnieri Philip Director / Officer L-Small A Common Stock 3,333 3.00 10.0K 48,012
2012-02-09 Daszkowski Walter Director P-Purchase A Common Stock 15,000 3.00 45.0K 56,750
2012-02-09 Costa Anthony P Director / Officer L-Small A Common Stock 466 3.00 1.4K 49,208
2011-12-12 Daszkowski Walter Director P-Purchase A Common Stock 500 2.69 1.3K 41,750
2011-12-08 Daszkowski Walter Director L-Small A Common Stock 550 2.50 1.4K 41,250
2011-12-06 Daszkowski Walter Director L-Small A Common Stock 402 2.85 1.1K 40,700
2011-12-01 Daszkowski Walter Director L-Small A Common Stock 200 2.75 550.00 40,298
2011-11-28 Daszkowski Walter Director P-Purchase A Common Stock 850 2.75 2.3K 34,400
2011-11-23 Daszkowski Walter Director P-Purchase A Common Stock 250 2.75 687.50 33,050
2011-11-22 Guarnieri Philip Director / Officer P-Purchase A Common Stock 831 2.85 2.4K 44,679
2011-11-21 Daszkowski Walter Director P-Purchase A Common Stock 1,000 2.75 2.8K 32,800
2011-09-14 Daszkowski Walter Director P-Purchase A Common Stock 500 3.25 1.6K 40,098
2011-09-07 Daszkowski Walter Director P-Purchase A Common Stock 300 3.00 900.00 36,848
2011-07-19 Sperzel Thomas Officer A-Award A Stock Options 3,000 5.00 15.0K 3,000
2011-04-19 Daszkowski Walter Director A-Award A Stock Options 5,000 5.00 25.0K 5,000
2010-12-17 Weddell Thomas D Director P-Purchase A Common Stock 5,000 4.00 20.0K 14,181
2010-12-17 Pagano Albert J Director P-Purchase A Common Stock 12,000 4.00 48.0K 73,498
2010-12-17 Ostrow Michael P Director P-Purchase A Common Stock 6,250 4.00 25.0K 6,250
2010-12-17 Guarnieri Philip Director / Officer P-Purchase A Common Stock 6,250 4.00 25.0K 40,548
2010-12-17 Daszkowski Walter Director P-Purchase A Common Stock 2,000 4.00 8.0K 2,000
2010-12-17 Costa Anthony P Director / Officer P-Purchase A Common Stock 1,250 4.00 5.0K 1,250
2010-10-21 Daszkowski Walter Director D Common Stock 0 0.00 22,048
2010-08-20 Weddell Thomas D Director L-Small A Common Stock 1,000 3.25 3.3K 9,181
2009-12-31 Weddell Thomas D Director A-Award A Common Stock 5,000 5.00 25.0K 5,000
2009-12-31 Pagano Albert J Director A-Award A Common Stock 20,000 5.00 100.0K 61,498
2009-12-31 Finklestein Andrew G Director A-Award A Common Stock 5,000 5.00 25.0K 42,750
2009-12-09 Guarnieri Philip Director / Officer P-Purchase A Common Stock 300 3.90 1.2K 34,298
2009-11-25 Davenport William W Director P-Purchase A Common Stock 200 5.95 1.2K 4,900
2009-11-23 Davenport William W Director P-Purchase A Common Stock 200 5.00 1.0K 35,898
2009-09-15 Guarnieri Philip Director / Officer P-Purchase A Common Stock 500 4.80 2.4K 33,998
2009-06-30 Sperzel Thomas Officer D Common Stock 0 0.00 0
2008-12-16 Guarnieri Philip Director / Officer P-Purchase A Common Stock 500 5.25 2.6K 33,498
2008-11-14 Guarnieri Philip Director / Officer P-Purchase A Common Stock 200 6.00 1.2K 32,998
2008-11-04 Davenport William W Director P-Purchase A Common Stock 200 6.00 1.2K 4,700
2008-11-03 Davenport William W Director P-Purchase A Common Stock 200 5.75 1.2K 35,698
2008-10-31 Finklestein Andrew G Director G-Gift D Warrants 5,000 6.75 33.8K 0
2008-10-30 Mesches David N Director M-Exempt A Common Stock 200 6.75 1.4K 25,900
2008-09-29 Weddell Thomas D Director M-Exempt A Common Stock 5,000 6.75 33.8K 8,181
2008-09-29 Pagano Albert J Director M-Exempt A Common Stock 13,000 6.75 87.8K 41,498
2008-09-29 Guarnieri Philip Director / Officer M-Exempt A Common Stock 3,000 6.75 20.3K 32,798
2008-09-29 Costa Anthony P Director / Officer M-Exempt A Common Stock 5,200 6.75 35.1K 48,742
2008-09-26 Pagano Albert J Director 0 0.00 0
2008-09-15 Weddell Thomas D Director G-Gift A Warrants 11,000 6.75 74.3K 11,000
2008-09-15 Savago Peter J Director G-Gift D Warrants 2,000 6.75 13.5K 0
2008-09-15 Mesches David N Director G-Gift D Warrants 5,000 6.75 33.8K 0
2008-09-15 Ferrante Peter B Director G-Gift D Warrants 2,000 6.75 13.5K 0
2008-08-28 Davenport William W Director M-Exempt A Common Stock 1,900 6.75 12.8K 35,498
2008-08-13 Ferrante Peter B Director M-Exempt A Common Stock 4,148 6.75 28.0K 14,948
2008-07-30 Guarnieri Philip Director / Officer M-Exempt D Warrants 10,000 6.75 67.5K 0
2008-07-30 Finklestein Andrew G Director M-Exempt D Warrants 10,000 6.75 67.5K 0
2008-07-30 Davenport William W Director M-Exempt A Common Stock 10,000 6.75 67.5K 33,598
2008-07-30 Costa Anthony P Director / Officer M-Exempt D Warrants 10,000 6.75 67.5K 0
2008-05-23 Davenport William W Director P-Purchase A Common Stock 200 6.75 1.4K 23,598
2008-05-22 Davenport William W Director P-Purchase A Common Stock 200 6.75 1.4K 4,000
2008-05-19 Costa Anthony P Director / Officer P-Purchase A Common Stock 1,000 7.25 7.3K 33,542
2008-04-01 Jones Bradford M Director P-Purchase A Common Stock 750 9.00 6.8K 4,300
2007-12-13 Guarnieri Philip Director / Officer P-Purchase A Common Stock 200 8.00 1.6K 29,798
2007-12-04 Pagano Albert J Director P-Purchase A Common Stock 1,000 8.15 8.2K 28,498
2007-12-04 Guarnieri Philip Director / Officer P-Purchase A Common Stock 300 7.50 2.3K 29,598
2007-11-27 Weddell Thomas D Director L-Small A Common Stock 300 8.15 2.4K 3,181
2007-11-15 Davenport William W Director P-Purchase A Common Stock 200 7.50 1.5K 23,398
2007-09-13 Weddell Thomas D Director P-Purchase A Common Stock 300 8.50 2.6K 2,881
2007-08-27 Ostrow Michael P Director P-Purchase A Common Stock 500 8.95 4.5K 11,700
2007-08-27 Davenport William W Director P-Purchase A Common Stock 200 9.00 1.8K 3,700
2007-08-24 Costa Anthony P Director / Officer P-Purchase A Common Stock 500 8.85 4.4K 32,242
2007-08-23 Davenport William W Director P-Purchase A Common Stock 200 9.00 1.8K 23,198
2007-08-22 Finklestein Andrew G Director P-Purchase A Common Stock 550 9.00 5.0K 27,750
2007-08-21 Macchia Joseph L Officer P-Purchase A Common Stock 500 9.00 4.5K 500
2007-08-20 Weddell Thomas D Director P-Purchase A Common Stock 1,581 8.75 13.8K 2,581
2007-07-09 Apple Leslie M Director L-Small A Common Stock 1,000 8.50 8.5K 26,000
2007-06-15 Guarnieri Philip Director / Officer P-Purchase A Common Stock 200 9.00 1.8K 28,998
2007-06-06 Davenport William W Director P-Purchase A Common Stock 500 9.00 4.5K 22,998
2007-06-01 Finklestein Andrew G Director P-Purchase A Common Stock 400 9.00 3.6K 26,650
2007-05-29 Mesches David N Director P-Purchase A Common Stock 400 9.00 3.6K 25,700
2007-05-22 Finklestein Andrew G Director L-Small A Common Stock 250 9.00 2.3K 26,250
2007-05-18 Guarnieri Philip Director / Officer P-Purchase A Common Stock 300 8.60 2.6K 28,798
2007-05-17 Rowley Richard B Director P-Purchase A Common Stock 8,000 8.25 66.0K 24,000
2007-03-09 Pagano Albert J Director 0 0.00 0
2007-03-09 Guarnieri Philip Director / Officer 0 0.00 0
2007-03-09 Freer David Jr Director 0 0.00 0
2007-03-09 Davenport William W Director 0 0.00 0
2007-03-09 Costa Anthony P Director / Officer 0 0.00 0
2007-01-23 Macchia Joseph L Officer A-Award A Stock Options 10,000 10.50 105.0K 10,000
2007-01-22 Macchia Joseph L Officer D Common Stock 0 0.00 1,000
2007-01-16 Weddell Thomas D Director A-Award A Stock Options 5,000 10.50 52.5K 5,000
2006-11-30 Weddell Thomas D Director D Common Stock 0 0.00 0
2006-11-29 Davenport William W Director L-Small A Common Stock 1,000 8.40 8.4K 3,500
2006-08-23 Guarnieri Philip Director / Officer P-Purchase A Common Stock 500 9.25 4.6K 15,500
2004-06-28 Macchia Joseph L Officer D Warrants 200 12.50 2.5K 0

Executive team

Top executives
EBIT / Employee
104.4K
Shares Outstanding
6.93M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2007 Anthony P. Costa, Chairman and Chief Executive Officer 161.7K 5.7K 167.4K 0.00%
2 2007 Philip Guarnieri, President and Chief Operating Officer 140.4K 2.4K 142.8K 0.00%
3 2007 Joseph Macchia, Senior Vice President, Retail Banking/Operations 97.8K 9.1K 106.9K 0.00%
4 2006 Anthony P. Costa, Chairman and Chief Executive Officer 138.6K 5.1K 143.7K 0.00%
5 2006 Philip Guarnieri, President and Chief Operating Officer 117.3K 2.0K 119.3K 0.00%
6 2006 Arthur W. Budich, Executive Vice President and Chief Financial Officer 103.3K 103.3K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2012-04-20 DEF 14A
2011-04-07 DEF 14A
2010-04-09 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2024-02-08 SC 13G/A
2023-02-06 SC 13G/A
2022-02-08 SC 13G/A
2021-02-11 SC 13G
2020-11-03 D
2019-10-28 D
2019-01-03 D
2017-12-29 D
2014-01-13 D/A
2013-04-26 D

Executive team

NameTitleCompensationGender
Philip A. Guarnieri Chief Executive Officer & Director 182.4K male
Thomas Sperzel President, Chief Operating Officer & Director 135.4K male
Joseph L. MacChia Senior Vice President of Retail Banking & Operations 116.3K male
Peggy Edwards Corporate Secretary female
Raffaele Branca Chief Financial Officer & Executive Vice President male
ESG Rating
B-
BANKS - REGIONAL
2011
E (Environmental)
57.1 / 64.3
Company / Sector avg.
S (Social)
56.6 / 76.5
Company / Sector avg.
G (Governance)
58.1 / 75.5
Company / Sector avg.
ESG Total
57.2 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits