ESSA BANCORP INC (ESSA) Stock Fundamental Analysis
USA - NASDAQ:ESSA - US29667D1046 - Common Stock
20.61 USD
+0.51 (+2.54%)
20.61 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to ESSA. ESSA was compared to 391 industry peers in the Banks industry. ESSA has a bad profitability rating. Also its financial health evaluation is rather negative. ESSA does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
ESSA had positive earnings in the past year.
ESSA had a positive operating cash flow in the past year.
In the past 5 years ESSA has always been profitable.
ESSA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ESSA's Return On Assets of 0.68% is on the low side compared to the rest of the industry. ESSA is outperformed by 63.36% of its industry peers.
Looking at the Return On Equity, with a value of 6.25%, ESSA is doing worse than 67.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 6.25% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.86%
ROE(3y)8.43%
ROE(5y)8.19%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ESSA (22.66%) is comparable to the rest of the industry.
ESSA's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ESSA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.66% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.07%
PM growth 5Y2.24%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ESSA does not have a ROIC to compare to the WACC, probably because it is not profitable.
ESSA has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ESSA has been reduced compared to 5 years ago.
The debt/assets ratio for ESSA has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ESSA is 15.86, which is on the high side as it means it would take ESSA, 15.86 years of fcf income to pay off all of its debts.
ESSA has a worse Debt to FCF ratio (15.86) than 82.44% of its industry peers.
A Debt/Equity ratio of 0.85 indicates that ESSA is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.85, ESSA is doing worse than 84.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 15.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.64%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ESSA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.30%.
Measured over the past years, ESSA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.60% on average per year.
Looking at the last year, ESSA shows a decrease in Revenue. The Revenue has decreased by -4.62% in the last year.
ESSA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.80% yearly.
EPS 1Y (TTM)-16.3%
EPS 3Y2.61%
EPS 5Y8.6%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)-4.62%
Revenue growth 3Y1.08%
Revenue growth 5Y3.8%
Sales Q2Q%-3.73%
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 Y7.78%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.92%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.30, which indicates a correct valuation of ESSA.
Compared to the rest of the industry, the Price/Earnings ratio of ESSA indicates a slightly more expensive valuation: ESSA is more expensive than 61.32% of the companies listed in the same industry.
ESSA is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.42, which indicates a very decent valuation of ESSA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ESSA is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of ESSA to the average of the S&P500 Index (22.92), we can say ESSA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 10.42 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ESSA is valued a bit more expensive than 67.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ESSA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.71
PEG (5Y)1.55
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
ESSA has a Yearly Dividend Yield of 2.91%.
ESSA's Dividend Yield is comparable with the industry average which is at 3.53.
ESSA's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
5.2 History
The dividend of ESSA is nicely growing with an annual growth rate of 9.26%!
ESSA has paid a dividend for at least 10 years, which is a reliable track record.
ESSA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.26%
Div Incr Years0
Div Non Decr Years16
5.3 Sustainability
39.75% of the earnings are spent on dividend by ESSA. This is a low number and sustainable payout ratio.
The dividend of ESSA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.75%
EPS Next 2YN/A
EPS Next 3YN/A
20.61
+0.51 (+2.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.75%
Inst Owner Change-0.01%
Ins Owners7.1%
Ins Owner Change-278.07%
Market Cap209.19M
Revenue(TTM)65.23M
Net Income(TTM)14.78M
Analysts43.33
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend0.58
Dividend Growth(5Y)9.26%
DP39.75%
Div Incr Years0
Div Non Decr Years16
Ex-Date
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)0
Avg Revenue beat(2)-16.98%
Min Revenue beat(2)-17.39%
Max Revenue beat(2)-16.57%
Revenue beat(4)0
Avg Revenue beat(4)-11.69%
Min Revenue beat(4)-17.39%
Max Revenue beat(4)-5.12%
Revenue beat(8)3
Avg Revenue beat(8)-5.83%
Revenue beat(12)5
Avg Revenue beat(12)-3.63%
Revenue beat(16)6
Avg Revenue beat(16)-3.02%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 10.42 | ||
| P/S | 3.21 | ||
| P/FCF | 16.53 | ||
| P/OCF | 15.65 | ||
| P/B | 0.88 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.55
EY7.52%
EPS(NY)1.98
Fwd EY9.6%
FCF(TTM)1.25
FCFY6.05%
OCF(TTM)1.32
OCFY6.39%
SpS6.43
BVpS23.3
TBVpS21.94
PEG (NY)1.71
PEG (5Y)1.55
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.68% | ||
| ROE | 6.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.66% | ||
| GM | N/A | ||
| FCFM | 19.4% |
ROA(3y)0.89%
ROA(5y)0.86%
ROE(3y)8.43%
ROE(5y)8.19%
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 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.07%
PM growth 5Y2.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 15.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 85.61% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC10.64%
ROIC/WACCN/A
Cap/Depr(3y)33.05%
Cap/Depr(5y)41.14%
Cap/Sales(3y)0.85%
Cap/Sales(5y)0.97%
Profit Quality(3y)98.4%
Profit Quality(5y)108.11%
High Growth Momentum
Growth
EPS 1Y (TTM)-16.3%
EPS 3Y2.61%
EPS 5Y8.6%
EPS Q2Q%-16.67%
EPS Next Y7.78%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.62%
Revenue growth 3Y1.08%
Revenue growth 5Y3.8%
Sales Q2Q%-3.73%
Revenue Next Year6.92%
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 Year-266.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.37%
FCF growth 3Y-11.39%
FCF growth 5Y-5.32%
OCF growth 1Y-42.37%
OCF growth 3Y-11.51%
OCF growth 5Y-5.89%
ESSA BANCORP INC / ESSA FAQ
What is the ChartMill fundamental rating of ESSA BANCORP INC (ESSA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ESSA.
Can you provide the valuation status for ESSA BANCORP INC?
ChartMill assigns a valuation rating of 3 / 10 to ESSA BANCORP INC (ESSA). This can be considered as Overvalued.
Can you provide the profitability details for ESSA BANCORP INC?
ESSA BANCORP INC (ESSA) has a profitability rating of 3 / 10.
What are the PE and PB ratios of ESSA BANCORP INC (ESSA) stock?
The Price/Earnings (PE) ratio for ESSA BANCORP INC (ESSA) is 13.3 and the Price/Book (PB) ratio is 0.88.
How sustainable is the dividend of ESSA BANCORP INC (ESSA) stock?
The dividend rating of ESSA BANCORP INC (ESSA) is 6 / 10 and the dividend payout ratio is 39.75%.