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Elmira Savings Bank

Elmira Savings Bank (ESBK) is a community bank engaged in providing various financial services to individuals, businesses, and municipalities in the Chemung County, New York area. The bank offers a range of products including savings accounts, checking accounts, certificates of deposit, individual retirement accounts, and health savings accounts. It also provides loans for residential mortgages, home equity, and commercial real estate, as well as consumer loans for automobiles, boats, and recreational vehicles.

Based on the financial data from the latest 10-K filing of Elmira Savings Bank for the fiscal year ended December 31, 2020, here is some general information on the bank's earnings and growth:

1. Net Interest Income: ESBK's net interest income decreased slightly from $17.5 million in 2019 to $17.2 million in 2020, primarily due to lower interest rates.

2. Net Income: The bank's net income increased from $5.1 million in 2019 to $6.3 million in 2020, mainly due to a decline in provision for loan losses and an increase in non-interest income.

3. Total Assets: As of December 31, 2020, ESBK's total assets stood at $898.4 million, an increase of 14.3% from $786.5 million at the end of 2019.

4. Loans: The bank's gross loans increased by 11.1% from $585.3 million at the end of 2019 to $651.1 million at the end of 2020.

5. Deposits: Deposits grew by 12.4% from $711.2 million at the end of 2019 to $800.9 million at the end of 2020.

6. Return on Assets (ROA): The bank's ROA increased from 0.63% in 2019 to 0.71% in 2020.

7. Return on Equity (ROE): The bank's ROE increased from 8.55% in 2019 to 10.31% in 2020.

As of now, the stock price of Elmira Savings Bank is not publicly traded, and it is not listed on any major stock exchange. Therefore, we could not provide you with any information on the stock price, P/E ratio, or other stock-specific data. The bank operates as a mutual holding company, and its common stock is not publicly traded.