ESSA Fundamental Analysis - ESSA BANCORP INC

Fundamental Rating

Overall ESSA gets a fundamental rating of 3 out of 10. We evaluated ESSA against 393 industry peers in the Banks industry. ESSA may be in some trouble as it scores bad on both profitability and health. ESSA does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year ESSA was profitable.

ESSA had a positive operating cash flow in the past year.

Each year in the past 5 years ESSA has been profitable.

Each year in the past 5 years ESSA had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.68%, ESSA is doing worse than 63.36% of the companies in the same industry.

ESSA has a Return On Equity of 6.25%. This is in the lower half of the industry: ESSA underperforms 67.18% of its industry peers.

		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

Looking at the Profit Margin, with a value of 22.66%, ESSA is in line with its industry, outperforming 44.78% of the companies in the same industry.

ESSA's Profit Margin has improved in the last couple of years.

ESSA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

ESSA has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, ESSA has an improved debt to assets ratio.

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.

With a Debt to FCF ratio value of 15.86, ESSA is not doing good in the industry: 82.44% of the companies in the same industry are doing better.

ESSA has a Debt/Equity ratio of 0.85. This is a neutral value indicating ESSA is somewhat dependend on debt financing.

The Debt to Equity ratio of ESSA (0.85) is worse than 84.48% of its industry peers.

		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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for ESSA have decreased strongly by -16.30% in the last year.

ESSA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.60% yearly.

ESSA shows a decrease in Revenue. In the last year, the revenue decreased by -4.62%.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.30, which indicates a correct valuation of ESSA.

61.32% of the companies in the same industry are cheaper than ESSA, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of ESSA to the average of the S&P500 Index (27.08), we can say ESSA is valued rather cheaply.

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 (22.72), 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 the industry average as 67.43% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	16.53
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.91%, ESSA has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.30, 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 2.34.

		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 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

5.3 Sustainability

ESSA pays out 39.75% of its income as dividend. This is a 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

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ESSA BANCORP INC

NASDAQ:ESSA (7/23/2025, 8:20:12 PM)

After market: 20.61 0 (0%)

20.61

+0.51 (+2.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners48.75%

Inst Owner Change4.4%

Ins Owners7.1%

Ins Owner Change-115.89%

Market Cap209.19M

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-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 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

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

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 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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