ES Bancshares (ESBS) Stock Analysis & Winston Score

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.

Winston Score History

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

+2.9% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+102.3% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

4.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$57M cash & investments

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

Growth context

ES Bancshares is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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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Quality

Gross Margin

59.7%

Premium pricing power — 59.7% gross margin

Operating Margin

12.2%

Healthy — 12.2% operating margin

ROCE

1.0%

Weak — 1.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+16.8%

Fast-growing sales (16.8% YoY)

EPS YoY

+97.1%

Earnings growing fast (97.1% YoY)

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

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.97

Moderate — manageable debt (0.97)

Interest Cover

0.38x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.3x

no trend

Attractive valuation — P/E 12.3

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

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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