Stock fact sheet · data as of
ES Bancshares, Inc. (ESBS): fair value, margin of safety and Wheel Score
Ticker symbol ESBS · Financial Services · Banks - Regional · United States · Blend
Is ESBS undervalued?
ESBS closed at 8.60 on 5 Nov 2026 against a GLS average fair value of 9.53 - 9.7% below fair value, which our scans read as "fairly priced". 3 of 8 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between Lynch (2.04) and 10 Cap (21.08). 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for ESBS, so the nightly engine files it under Blend (value score 53, growth score 65, out of 100).
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 | 8.30 | -4% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 9.25 | +8% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 8.22 | -4% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 2.04 | -76% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.37 | -72% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 21.08 | +145% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 19.28 | +124% | 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 | 5.66 | -34% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -76.88 | -994% | 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 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. 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 3.1/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, 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 | 5 / 9 | ROIC | 2.7% |
|---|---|---|---|
| GLS Moat | 3.1 / 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 20: No options
No options are listed on ES Bancshares, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 20, under 70) and is left out of every options scan; 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 $59M, 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $59M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 10% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 3.1/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.05, $59M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it 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 |
|---|---|---|---|---|---|
| NIDB Northeast Indiana Bancorp, Inc. | 24.62 | 38.11 | +35% | 35No options | $59M |
| TMAK Touchmark Bancshares, Inc. | 13.10 | 13.94 | +6% | 21No options | $59M |
| OTTW Ottawa Bancorp, Inc. | 19.25 | 13.40 | -44% | 18No options | $60M |
| NEFBP Neffs Bancorp, Inc. PFD SER A | 395.00 | 202.52 | -95% | 12No options | $58M |
| BSPA Ballston Spa Bancorp, Inc. | 80.98 | 20.35 | -298% | 19No options | $60M |
| DENI Denali Bancorporation, Inc. | 20.00 | 39.81 | +50% | 34No options | $58M |
| NTBP New Tripoli Bancorp, Inc. | 960.00 | 653.73 | -47% | 17No options | $61M |
| FFWC FFW Corporation | 53.18 | 76.03 | +30% | 35No options | $58M |
| LSFG Lifestore Financial Group, Inc. | 59.55 | 85.03 | +30% | 34No options | $61M |
| BAOB The Baraboo Bancorporation, Inc. | 7.01 | 8.53 | +18% | 25No options | $62M |
| FMFG Farmers and Merchants Bancshares, Inc. | 18.99 | 23.75 | +20% | 29No options | $62M |
| SSBP SSB Bancorp, Inc. | 25.50 | 59.71 | +57% | 30No options | $56M |
⚖ 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?
Not meaningfully: at 8.60 the stock trades within a few percent of the GLS average fair value of 9.53 (9.7% below fair value, data as of 5 Nov 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; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for ESBS?
9.53 per share as of 5 Nov 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 5 Nov 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 stays under 70.