EBSH (Empire Bancshares) Total Deposits: $194.36 Mil (As of Dec. 2025)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EBSH Empire Bancshares Inc EBSH
58 GF Score
Price $41.10
GF Value $23.62
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Empire Bancshares Total Deposits?

Empire Bancshares EBSH 58 Total Deposits is $194.36 Mil as of Dec. 2025. GuruFocus rates EBSH with a GF Score™ of 58/100 and a GF Value™ of $23.62 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Empire Bancshares's annual total deposits increased from Dec. 2023 ($164.88 Mil) to Dec. 2024 ($191.32 Mil) and increased from Dec. 2024 ($191.32 Mil) to Dec. 2025 ($194.36 Mil).

Empire Bancshares Total Deposits Historical Data

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The historical data trend for Empire Bancshares's Total Deposits 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 Total Deposits Chart

Empire Bancshares Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial 141.41 155.21 164.88 191.32 194.36

Empire Bancshares Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits Get a 7-Day Free Trial 141.41 155.21 164.88 191.32 194.36
EBSH
58GF Score
Empire Bancshares Inc EBSH
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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Empire Bancshares Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $194.36 Mil mean?
Empire Bancshares (EBSH) has a Total Deposits of $194.36 Mil as of Dec. 2025. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Empire Bancshares and its competitors.
Is Empire Bancshares' Total Deposits too high?
Empire Bancshares' current Total Deposits is $194.36 Mil. Overall, Empire Bancshares has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Empire Bancshares' Total Deposits compare to GWBK and MNBO?
Empire Bancshares' Total Deposits of $194.36 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 Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits 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 Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Empire Bancshares and its competitors. Empire Bancshares's current Total Deposits is $194.36 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 $23.62, compared to a current price of $41.10 — trading 74% above its estimated fair value. The current Total Deposits is $194.36 Mil. Empire Bancshares' overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For Empire Bancshares (EBSH), the current Total Deposits is $194.36 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 $41.10 is trading 74% above its estimated GF Value™ of $23.62. GuruFocus considers Empire Bancshares to be Significantly Overvalued.

Key valuation signals for EBSH:

  • Total Deposits: $194.36 Mil
  • GF Value™: $23.62 vs. price of $41.10 (74% above fair value)
  • GF Score™: 58/100 with 6 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.
58GF Score

Get the complete analysis for EBSH

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

$41.10
Price
$23.62
GF Value