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ELMIRA SAVINGS BANK (ESBK) Stock Fundamental Analysis

USA - NASDAQ:ESBK - US2896601026 - Common Stock

23.08
+0.01 (+0.04%)
Last: 5/13/2022, 8:10:00 PM
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. Both the profitability and financial health of ESBK have multiple concerns. ESBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

ESBK had positive earnings in the past year.
ESBK Yearly Net Income VS EBIT VS OCF VS FCFESBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 1M 2M 3M 4M

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
ESBK Yearly ROA, ROE, ROICESBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2 4 6 8

1.3 Margins

ESBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
ESBK Yearly Profit, Operating, Gross MarginsESBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 5 10 15 20

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2. Health

2.1 Basic Checks

Compared to 1 year ago, ESBK has more shares outstanding
Compared to 1 year ago, ESBK has an improved debt to assets ratio.
ESBK Yearly Shares OutstandingESBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 1M 2M 3M
ESBK Yearly Total Debt VS Total AssetsESBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 200M 400M 600M

2.2 Solvency

A Debt/Equity ratio of 0.38 indicates that ESBK is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
ESBK Yearly LT Debt VS Equity VS FCFESBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 20M 40M 60M

2.3 Liquidity

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

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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.
Looking at the last year, ESBK shows a small growth in Revenue. The Revenue has grown by 0.57% in the last year.
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 Q2Q%58.8%
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y1%
Sales Q2Q%3.18%

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.
ESBK Yearly Revenue VS EstimatesESBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 5M 10M 15M 20M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.99, ESBK is valued correctly.
Compared to an average S&P500 Price/Earnings ratio of 26.11, ESBK is valued a bit cheaper.
Industry RankSector Rank
PE 14.99
Fwd PE N/A
ESBK Price Earnings VS Forward Price EarningsESBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ESBK Per share dataESBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

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

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5. Dividend

5.1 Amount

ESBK has a Yearly Dividend Yield of 2.60%.
Compared to an average S&P500 Dividend Yield of 2.37, ESBK has a dividend comparable with the average S&P500 company.
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
ESBK Yearly Dividends per shareESBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6 0.8

5.3 Sustainability

ESBK pays out 63.82% of its income as dividend. This is not a sustainable payout ratio.
ESBK's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP63.82%
EPS Next 2YN/A
EPS Next 3YN/A
ESBK Yearly Income VS Free CF VS DividendESBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 1M 2M 3M 4M
ESBK Dividend Payout.ESBK Dividend Payout, showing the Payout Ratio.ESBK Dividend Payout.PayoutRetained Earnings

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ELMIRA SAVINGS BANK

NASDAQ:ESBK (5/13/2022, 8:10:00 PM)

23.08

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)05-02 2022-05-02/amc
Earnings (Next)07-19 2022-07-19
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap81.93M
Revenue(TTM)21.21M
Net Income(TTM)5.39M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Yearly Dividend0.68
Dividend Growth(5Y)-8.1%
DP63.82%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.99
Fwd PE N/A
P/S 3.81
P/FCF N/A
P/OCF N/A
P/B 1.29
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.54
EY6.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.06
BVpS17.85
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 8.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.45%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.86%
EPS 3Y-6.92%
EPS 5Y-3.56%
EPS Q2Q%58.8%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y1%
Sales Q2Q%3.18%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

ELMIRA SAVINGS BANK / ESBK FAQ

What is the fundamental rating for ESBK stock?

ChartMill assigns a fundamental rating of 2 / 10 to ESBK.


What is the valuation status of ELMIRA SAVINGS BANK (ESBK) stock?

ChartMill assigns a valuation rating of 1 / 10 to ELMIRA SAVINGS BANK (ESBK). This can be considered as Overvalued.


How profitable is ELMIRA SAVINGS BANK (ESBK) stock?

ELMIRA SAVINGS BANK (ESBK) has a profitability rating of 2 / 10.


What is the valuation of ELMIRA SAVINGS BANK based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ELMIRA SAVINGS BANK (ESBK) is 14.99 and the Price/Book (PB) ratio is 1.29.


Can you provide the dividend sustainability for ESBK stock?

The dividend rating of ELMIRA SAVINGS BANK (ESBK) is 4 / 10 and the dividend payout ratio is 63.82%.