EBSH (Empire Bancshares) Net Loan: $136.12 Mil (As of Dec. 2025)

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EBSH Empire Bancshares Inc EBSH
52 GF Score
Price $41.63
GF Value $23.53
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Empire Bancshares Net Loan?

Empire Bancshares EBSH 52 Net Loan is $136.12 Mil as of Dec. 2025. GuruFocus rates EBSH with a GF Score™ of 52/100 and a GF Value™ of $23.53 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Empire Bancshares's quarterly net loan increased from Dec. 2023 ($114.61 Mil) to Dec. 2024 ($133.58 Mil) and increased from Dec. 2024 ($133.58 Mil) to Dec. 2025 ($136.12 Mil).

Empire Bancshares's annual net loan increased from Dec. 2023 ($114.61 Mil) to Dec. 2024 ($133.58 Mil) and increased from Dec. 2024 ($133.58 Mil) to Dec. 2025 ($136.12 Mil).

Empire Bancshares Net Loan Historical Data

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The historical data trend for Empire Bancshares's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Empire Bancshares Net Loan Chart

Empire Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 92.49 105.91 114.61 133.58 136.12

Empire Bancshares Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial 92.49 105.91 114.61 133.58 136.12
EBSH
52GF Score
Empire Bancshares Inc EBSH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Empire Bancshares Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $136.12 Mil mean?
Empire Bancshares (EBSH) has a Net Loan of $136.12 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Empire Bancshares and its competitors.
Is Empire Bancshares' Net Loan too high?
Empire Bancshares' current Net Loan is $136.12 Mil. Overall, Empire Bancshares has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' Net Loan compare to GWBK and MNBO?
Empire Bancshares' Net Loan of $136.12 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Empire Bancshares and its competitors. Empire Bancshares's current Net Loan is $136.12 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Empire Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Empire Bancshares (EBSH) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.53, compared to a current price of $41.63 — trading 76.9% above its estimated fair value. The current Net Loan is $136.12 Mil. Empire Bancshares' overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Empire Bancshares (EBSH), the current Net Loan is $136.12 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Empire Bancshares (EBSH) Overvalued in 2026?

Based on GuruFocus' analysis, Empire Bancshares stock appears to be overvalued. The current stock price of $41.63 is trading 76.9% above its estimated GF Value™ of $23.53. GuruFocus considers Empire Bancshares to be Significantly Overvalued.

Key valuation signals for EBSH:

  • Net Loan: $136.12 Mil
  • GF Value™: $23.53 vs. price of $41.63 (76.9% above fair value)
  • GF Score™: 52/100 with 5 warning signs

No single metric tells the full story. See the EBSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Empire Bancshares Business Description

Address 144 E. High Street, PO Box 283, Hicksville, OH, USA, 43526
Empire Bancshares Inc, through its subsidiary, is engaged in providing banking products and services. The Bank's principal services include accepting deposits and making loans. Loan and deposit customers are mainly located in northwestern Ohio and northeastern Indiana, and include a wide range of individuals, businesses, and other organizations. A portion of loans is secured by various forms of collateral, including real estate, business assets, consumer property, and other items, although borrower cash flow is generally the primary source of repayment.
52GF Score

Get the complete analysis for EBSH

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.63
Price
$23.53
GF Value