ESBS (ES Bancshares) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)


ESBS ES Bancshares Inc ESBS
56 GF Score
Price $6.10
GF Value $7.21
Valuation Modestly Undervalued
! 1 Warning Sign
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What is ES Bancshares LT-Debt-to-Total-Asset?

ES Bancshares ESBS +3.21% 56 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates ESBS with a GF Score™ of 56/100 and a GF Value™ of $7.21 (Modestly Undervalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ES Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

ES Bancshares's long-term debt to total assets ratio declined from Mar. 2025 (0.12) to Mar. 2026 (0.09). It may suggest that ES Bancshares is progressively becoming less dependent on debt to grow their business.

ES Bancshares  (OTCPK:ESBS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ES Bancshares LT-Debt-to-Total-Asset Related Terms

ES Bancshares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for ES Bancshares's LT-Debt-to-Total-Asset 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.

ES Bancshares LT-Debt-to-Total-Asset Chart

ES Bancshares Annual Data
Trend Dec11 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.15 0.14 0.09 0.07

ES Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.12 0.09 0.09 0.07 0.09
ESBS
56GF Score
ES Bancshares Inc ESBS
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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ES Bancshares LT-Debt-to-Total-Asset Calculation

ES Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=43.458/616.667
=0.07

ES Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=55.556/643.711
=0.09

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.09 mean?
ES Bancshares (ESBS) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ES Bancshares and its competitors.
Is ES Bancshares' LT-Debt-to-Total-Asset too high?
ES Bancshares' current LT-Debt-to-Total-Asset is 0.09. Overall, ES Bancshares has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ES Bancshares' LT-Debt-to-Total-Asset compare to SCYT and SOUB?
ES Bancshares' LT-Debt-to-Total-Asset of 0.09 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ES Bancshares and its competitors. ES Bancshares's current LT-Debt-to-Total-Asset is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ES Bancshares stock overvalued right now?
Based on GuruFocus' analysis, ES Bancshares (ESBS) is currently considered Modestly Undervalued. The stock's GF Value™ is $7.21, compared to a current price of $6.10 — trading 15.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. ES Bancshares' overall GF Score™ is 56/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ES Bancshares (ESBS), the current LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. 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 ES Bancshares (ESBS) Overvalued in 2026?

Based on GuruFocus' analysis, ES Bancshares stock appears to be undervalued. The current stock price of $6.10 is trading 15.4% below its estimated GF Value™ of $7.21. GuruFocus considers ES Bancshares to be Modestly Undervalued.

Key valuation signals for ESBS:

  • LT-Debt-to-Total-Asset: 0.09
  • GF Value™: $7.21 vs. price of $6.10 (15.4% below fair value)
  • GF Score™: 56/100 with 1 warning sign

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

ES Bancshares Business Description

Address 1441 South Avenue, Suite 705, Staten Island, NY, USA, 10314
ES Bancshares Inc is a bank holding company, which offers financial services. It offers deposit products such as checking, savings and term certificate accounts and its lending products are Commercial and Residential Mortgages, Commercial loans and SBA guaranteed loans.
56GF Score

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

$6.10
Price
$7.21
GF Value