ELMIRA SAVINGS BANK (ESBK)

US2896601026 - Common Stock

23.08  +0.01 (+0.04%)

Fundamental Rating

1

ESBK gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 0 industry peers in the Thrifts & Mortgage Finance industry. ESBK may be in some trouble as it scores bad on both profitability and health. ESBK does not seem to be growing, but still is valued expensively.



Quickly go to:

0

1. Profitability

1.1 Basic Checks

In the past year ESBK was profitable.

1.2 Ratios

Industry RankSector Rank
ROA 0.84%
ROE 8.51%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for ESBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

More info and screens

1

2. Health

2.1 Basic Checks

The number of shares outstanding for ESBK has been increased compared to 1 year ago.
Compared to 1 year ago, ESBK has an improved debt to assets ratio.

2.2 Solvency

ESBK has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.86% over the past year.
The Earnings Per Share has been decreasing by -3.56% on average over the past years.
ESBK shows a small growth in Revenue. In the last year, the Revenue has grown by 0.57%.
Measured over the past years, ESBK shows a small growth in Revenue. The Revenue has been growing by 1.00% on average per year.
EPS 1Y (TTM)18.86%
EPS 3Y-6.92%
EPS 5Y-3.56%
EPS growth Q2Q58.8%
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y1%
Revenue growth Q2Q3.18%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.99 indicates a correct valuation of ESBK.
The average S&P500 Price/Earnings ratio is at 28.60. ESBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.99
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.60%, ESBK has a reasonable but not impressive dividend return.
ESBK's Dividend Yield is comparable with the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.6%

5.2 History

The dividend of ESBK decreases each year by -8.10%.
ESBK has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-8.1%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

ESBK pays out 63.82% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of ESBK has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP63.82%
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

ELMIRA SAVINGS BANK

NASDAQ:ESBK (5/13/2022, 7:10:00 PM)

23.08

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap81.93M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 14.99
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 8.51%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 16.45%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)18.86%
EPS 3Y-6.92%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y