ES Bancshares' Q4 net interest margin decreases due to asset mix change
Overview
Bank holding company's Q4 net income rose slightly from the previous quarter
Company's net interest margin decreased slightly to 2.77% in Q4
Non-interest income increased due to higher service charges and fees
Outlook
Company did not provide specific guidance for future quarters or full year 2026
Result Drivers
NON-INTEREST INCOME - Higher service charges and fees on loans contributed to increased non-interest income in Q4 2025
ASSET MIX CHANGE - Net interest margin decreased due to a change in the mix of interest-bearing assets, despite lower deposit costs
DEPOSIT COSTS - Cost of interest-bearing deposits decreased by 10 basis points, aiding liquidity
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.10 |
|
Q4 Net Income |
| $660,000 |
|
Q4 Net Interest Income |
| $4.20 mln |
|
Q4 Net Interest Margin |
| 2.77% |
|
Press Release: ID:nGNX71ptJ7
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.
Related Articles
Coca Cola (KO) Q4 Earnings Preview: Look for the Upside in the AI Initiatives, not in the Revenue and the EPS
Coca-Cola (KO) enters its fourth-quarter 2025 earnings call tomorrow with significant momentum. However, a fundamental shift is occurring.
Warsh’s Fed Era Signals a Death Knell for QE, Jolting the $30 Trillion Treasury Market
With Warsh’s nomination, his past proposals for governing the Federal Reserve are being brought to the forefront. A central issue is the formulation of a new "1951 Accord" to restructure the relationship between the Fed and the Treasury. Analysts suggest such a move could impact the $30 trillion Tre
Amazon Stock Predictions for 2026 to 2030: Will They Exceed Expectations and Achieve Major Long-Term Goals?
TradingKey - As we head into 2026, many investors are questioning where Amazon (AMZN) fits into the technology world.
A Crash After a Surge: Why Silver Lost 40% in a Week?
TradingKey - Spot silver (XAGUSD) prices continue to decline. Silver plunged 20% on Thursday, breaking below $71 per ounce, with the sell-off intensifying on Friday as prices fell further below $64. Compared to the all-time high set on January 29, silver prices have retraced more than 40%, wiping out nearly all gains accumulated over the previous month.
