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ESSA BANCORP INC (ESSA) Stock Fundamental Analysis

NASDAQ:ESSA - Nasdaq - US29667D1046 - Common Stock - Currency: USD

18.65  +0.51 (+2.81%)

After market: 18.65 0 (0%)

Fundamental Rating

3

Taking everything into account, ESSA scores 3 out of 10 in our fundamental rating. ESSA was compared to 396 industry peers in the Banks industry. ESSA has a bad profitability rating. Also its financial health evaluation is rather negative. ESSA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ESSA was profitable.
In the past year ESSA had a positive cash flow from operations.
In the past 5 years ESSA has always been profitable.
ESSA had a positive operating cash flow in each of the past 5 years.
ESSA Yearly Net Income VS EBIT VS OCF VS FCFESSA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

The Return On Assets of ESSA (0.68%) is worse than 63.38% of its industry peers.
ESSA's Return On Equity of 6.25% is on the low side compared to the rest of the industry. ESSA is outperformed by 67.17% of its industry peers.
Industry RankSector 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
ESSA Yearly ROA, ROE, ROICESSA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of ESSA (22.66%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ESSA has grown nicely.
ESSA 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) 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
ESSA Yearly Profit, Operating, Gross MarginsESSA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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.
Compared to 1 year ago, ESSA has an improved debt to assets ratio.
ESSA Yearly Shares OutstandingESSA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ESSA Yearly Total Debt VS Total AssetsESSA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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's Debt to FCF ratio of 15.86 is on the low side compared to the rest of the industry. ESSA is outperformed by 81.82% of its industry peers.
ESSA has a Debt/Equity ratio of 0.85. This is a neutral value indicating ESSA is somewhat dependend on debt financing.
ESSA has a Debt to Equity ratio of 0.85. This is amonst the worse of the industry: ESSA underperforms 84.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 15.86
Altman-Z N/A
ROIC/WACCN/A
WACC11.67%
ESSA Yearly LT Debt VS Equity VS FCFESSA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ESSA Yearly Current Assets VS Current LiabilitesESSA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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1

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%.
The Earnings Per Share has been growing by 8.60% on average over the past years. This is quite good.
The Revenue has decreased by -4.62% in the past year.
Measured over the past years, ESSA shows a small growth in Revenue. The Revenue has been growing by 3.80% on average per year.
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.
ESSA Yearly Revenue VS EstimatesESSA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
ESSA Yearly EPS VS EstimatesESSA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.03, which indicates a correct valuation of ESSA.
The rest of the industry has a similar Price/Earnings ratio as ESSA.
ESSA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.52.
Based on the Price/Forward Earnings ratio of 9.42, the valuation of ESSA can be described as reasonable.
ESSA's Price/Forward Earnings ratio is in line with the industry average.
ESSA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.03
Fwd PE 9.42
ESSA Price Earnings VS Forward Price EarningsESSA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESSA indicates a slightly more expensive valuation: ESSA is more expensive than 61.87% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.96
EV/EBITDA N/A
ESSA Per share dataESSA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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)1.55
PEG (5Y)1.4
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.31%, ESSA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, ESSA has a dividend in line with its industry peers.
ESSA's Dividend Yield is a higher than the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.31%

5.2 History

The dividend of ESSA is nicely growing with an annual growth rate of 9.26%!
ESSA has been paying a dividend for at least 10 years, so it has a reliable track record.
ESSA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.26%
Div Incr Years0
Div Non Decr Years16
ESSA Yearly Dividends per shareESSA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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
ESSA Yearly Income VS Free CF VS DividendESSA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
ESSA Dividend Payout.ESSA Dividend Payout, showing the Payout Ratio.ESSA Dividend Payout.PayoutRetained Earnings

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ESSA BANCORP INC

NASDAQ:ESSA (6/6/2025, 8:00:02 PM)

After market: 18.65 0 (0%)

18.65

+0.51 (+2.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners46.79%
Inst Owner Change6.42%
Ins Owners7.1%
Ins Owner Change0%
Market Cap189.30M
Analysts43.33
Price TargetN/A
Short Float %0.33%
Short Ratio1.38
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
Yearly Dividend0.58
Dividend Growth(5Y)9.26%
DP39.75%
Div Incr Years0
Div Non Decr Years16
Ex-Date06-16 2025-06-16 (0.15)
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 RankSector Rank
PE 12.03
Fwd PE 9.42
P/S 2.9
P/FCF 14.96
P/OCF 14.16
P/B 0.8
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)1.55
EY8.31%
EPS(NY)1.98
Fwd EY10.61%
FCF(TTM)1.25
FCFY6.69%
OCF(TTM)1.32
OCFY7.06%
SpS6.43
BVpS23.3
TBVpS21.94
PEG (NY)1.55
PEG (5Y)1.4
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC11.67%
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%