Stock fact sheet · data as of
ES Bancshares, Inc. (ESBS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is ESBS undervalued?
ESBS closed at 7.60 on 16 Oct 2026, 18% below the GLS average fair value of 9.26 from 8 models (5 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 20 of the 25 Value points.
There is a wide gap between Lynch (1.91) and 10 Cap (20.92). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files ESBS under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for ESBS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 7.65 | +1% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.06 | +19% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 7.70 | +1% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.91 | -75% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.22 | -71% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 20.92 | +175% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 19.28 | +154% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 5.30 | -30% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -76.87 | -1111% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
ES Bancshares, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.4/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.7%, ROE 5.7%, ROA 0.5% - with debt at 1.11 times equity and negative free cash flow.
ES Bancshares, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 2.7% |
|---|---|---|---|
| GLS Moat | 4.4 / 10 | ROE | 5.7% |
| Debt / equity | 1.11 | ROA | 0.5% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on ES Bancshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $52M, with a beta of 0.05 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 20 / 25 | 18% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 7 / 15 | moat 4.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $52M cap, beta 0.05 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for ESBS in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to ES Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| GVYB Golden Valley Bancshares, Inc. | 24.00 | 27.98 | +14% | 39No options | $53M |
| ADKT The Adirondack Trust Company | 650.25 | 4,296.67 | +85% | 39No options | $52M |
| TBBC Triad Business Bank | 6.42 | 7.60 | +16% | 39No options | $52M |
| CIBH CIB Marine Bancshares, Inc. | 39.00 | 44.58 | +13% | 39No options | $53M |
| FSBH FSBH Corp. | 16.95 | 11.07 | -53% | 16No options | $51M |
| FGFI First Greenwich Financial, Inc. | 20.00 | 17.82 | -12% | 20No options | $54M |
| WDFN Woodlands Financial Services Company | 38.50 | 49.75 | +23% | 39No options | $54M |
| BBBK Baker Boyer Bancorp | 41.14 | 64.41 | +36% | 39No options | $54M |
| PNBI Pioneer Bankshares, Inc. | 50.26 | 117.55 | +57% | 39No options | $50M |
| PVBK Pacific Valley Bancorp | 9.30 | 9.92 | +6% | 38No options | $50M |
| CIZN Citizens Holding Company | 8.80 | 28.08 | +69% | 39No options | $50M |
| WSSH West Shore Bank Corp. | 44.67 | 132.73 | +66% | 39No options | $55M |
⚖ Compare ESBS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ESBS
Is ESBS undervalued right now?
By the GLS models, moderately: at 7.60 the stock trades 18% below the average fair value of 9.26 (data as of 16 Oct 2026).
What is the Wheel Score of ESBS and what does it mean?
ESBS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for ESBS?
9.26 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does ES Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for ESBS in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does ESBS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ESBS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.