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ESSA BANCORP INC (ESSA) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ESSA - US29667D1046 - Common Stock

20.61 USD
+0.51 (+2.54%)
Last: 7/23/2025, 8:20:12 PM
20.61 USD
0 (0%)
After Hours: 7/23/2025, 8:20:12 PM
Fundamental Rating

3

ESSA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of ESSA have multiple concerns. 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.
ESSA had a positive operating cash flow in the past year.
Each year in the past 5 years ESSA has been profitable.
In the past 5 years ESSA always reported a positive cash flow from operatings.
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

ESSA has a worse Return On Assets (0.68%) than 63.36% 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 67.18% 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

ESSA's Profit Margin of 22.66% is in line compared to the rest of the industry. ESSA outperforms 44.78% of its industry peers.
In the last couple of years the Profit Margin of ESSA has grown nicely.
The Operating Margin and Gross Margin are not available for ESSA so they could not be analyzed.
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.
The Debt to FCF ratio of ESSA (15.86) is worse than 82.44% of its industry peers.
A Debt/Equity ratio of 0.85 indicates that ESSA is somewhat dependend on debt financing.
ESSA has a worse Debt to Equity ratio (0.85) than 84.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 15.86
Altman-Z N/A
ROIC/WACCN/A
WACC10.64%
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

The earnings per share for ESSA have decreased strongly by -16.30% in the last year.
The Earnings Per Share has been growing by 8.60% on average over the past years. This is quite good.
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.
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 13.30, which indicates a correct valuation of ESSA.
Based on the Price/Earnings ratio, ESSA is valued a bit more expensive than 61.32% of the companies in the same industry.
When comparing the Price/Earnings ratio of ESSA to the average of the S&P500 Index (26.31), we can say ESSA is valued slightly cheaper.
ESSA is valuated reasonably with a Price/Forward Earnings ratio of 10.42.
ESSA's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.56. ESSA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.3
Fwd PE 10.42
ESSA Price Earnings VS Forward Price EarningsESSA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

67.43% of the companies in the same industry are cheaper than ESSA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.53
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

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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6

5. Dividend

5.1 Amount

ESSA has a Yearly Dividend Yield of 2.91%.
Compared to an average industry Dividend Yield of 3.15, ESSA has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, ESSA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.91%

5.2 History

On average, the dividend of ESSA grows each year by 9.26%, which is quite nice.
ESSA has been paying a dividend for at least 10 years, so it has 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
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

ESSA pays out 39.75% of its income as dividend. This is a sustainable payout ratio.
ESSA's earnings are growing slower than its dividend. 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 (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 Change-95.97%
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 RankSector 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 RankSector 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 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
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 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
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%.