ESSA Bancorp Inc

Chart & Performance

D1W1MN

P/E

11.76

P/S

2.94

EPS

1.67

Div Yield, %

2.96%

Shrs. gr., 5y

-2.34%

Rev. gr., 5y

4.22%

Revenues

68m

-2.10%

Net income

17m

-8.53%

CFO

13m

-35.63%

Dividend

Sep 16, 20240.15 USD/sh

Earnings

Jan 22, 2025

Profile

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.

URL

https://ir.essabank.com/

IPO date

Apr 04, 2007

Employees

230

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑09	2023‑09	2022‑09	2021‑09	2020‑09	2019‑09	2018‑09	2017‑09	2016‑09	2015‑09
Income
Revenues	67,843 -2.10%	69,299 1.59%	68,216 5.95%
Cost of revenue	29,224	28,347	27,573
Unusual Expense (Income)
NOPBT	38,619	40,952	40,643
NOPBT Margin	56.92%	59.09%	59.58%
Operating Taxes	3,970	4,494	4,934
Tax Rate	10.28%	10.97%	12.14%
NOPAT	34,649	36,458	35,709
Net income	16,992 -8.53%	18,576 -7.44%	20,070 22.20%
Dividends	(5,905)	(5,859)	(5,273)
Dividend yield	3.22%	4.01%	2.78%
Proceeds from repurchase of equity	(5,063)		(1,884)
BB yield	2.76%		1.00%
Debt
Debt current	280,000	374,652	230,810
Long-term debt	10,000	5,300	5,413
Deferred revenue
Other long-term liabilities	1,667,296	1,698,886	223,169
Net debt	214,467	(425,804)	(266,293)
Cash flow
Cash from operating activities	13,427	20,860	22,707
CAPEX	(221)	(955)	(571)
Cash from investing activities	77,016	(377,120)	(128,129)
Cash from financing activities	(127,265)	413,725	(25,587)
FCF	(938,819)	1,011,799	(960,235)
Balance
Cash	254,552	419,458	236,584
Long term investments	(179,019)	386,298	265,932
Excess cash	72,141	802,291	499,105
Stockholders' equity	151,532	142,544	136,426
Invested Capital	2,115,576	2,518,885	1,717,750
ROIC	1.50%	1.72%	3.48%
ROCE	1.77%	1.53%	2.18%
EV
Common stock shares outstanding	9,533	9,725	9,765
Price	19.22 28.05%	15.01 -22.59%	19.39 17.59%
Market cap	183,219 25.51%	145,975 -22.91%	189,346 15.43%
EV	397,686	(279,829)	(76,947)
EBITDA	37,510	43,067	42,824
EV/EBITDA	10.60
Interest	11,856	23,945	3,041
Interest/NOPBT	30.70%	58.47%	7.48%