ESBS (ES Bancshares) Moat Score: 3/10 (As of Jun. 28, 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 Moat Score?

ES Bancshares ESBS +3.21% 56 Moat Score is 3 as of Jun. 28, 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. Among 1,614 Banks companies, ES Bancshares ranks better than 74.54% on this metric.

ES Bancshares has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

ES Bancshares has No Moat: ES Bancshares has weak competitive advantages with limited market leadership and brand strength. It lacks significant regulatory barriers and customer switching costs, making its position in the financial sector vulnerable.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ES Bancshares might have No Moat - Very weak/transient advantages.

ES Bancshares  (OTCPK:ESBS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ES Bancshares Moat Score Related Terms

ESBS vs SCYT, SOUB, HCBC: Moat Score Comparison

For the Banks - Regional subindustry, ES Bancshares's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

ES Bancshares Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, ES Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where ES Bancshares's Moat Score falls into.


ESBS
56GF Score
ES Bancshares Inc ESBS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
ES Bancshares (ESBS) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, ES Bancshares ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is ES Bancshares' Moat Score too high?
ES Bancshares' current Moat Score is 3. Based on the distribution chart, ES Bancshares ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. 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' Moat Score compare to SCYT and SOUB?
According to the Banks industry distribution chart, ES Bancshares ranks #411 out of 1614 companies for Moat Score. This puts ES Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. ES Bancshares's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For ES Bancshares (ESBS), the current Moat Score is 3 as of Jun. 28, 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:

  • Moat Score: 3
  • 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.10
Price
$7.21
GF Value