Fundamental Analysis of ESSA BANCORP INC(NASDAQ:ESSA) stock

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ESSA. ESSA was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of ESSA while its profitability can be described as average. ESSA has a correct valuation and a medium growth rate. ESSA also has an excellent dividend rating.

Quickly go to:

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.

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.

1.2 Ratios

ESSA has a Return On Assets of 0.81%. This is comparable to the rest of the industry: ESSA outperforms 45.99% of its industry peers.

ESSA's Return On Equity of 8.18% is in line compared to the rest of the industry. ESSA outperforms 40.39% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.81%
ROE	8.18%
ROIC	N/A

ROA(3y)0.92%

ROA(5y)0.85%

ROE(3y)8.68%

ROE(5y)8.05%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ESSA has a Profit Margin of 26.28%. This is in the better half of the industry: ESSA outperforms 63.26% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	26.28%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.47%

PM growth 5Y18.08%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

ESSA does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ESSA has about the same amount of shares outstanding.

The number of shares outstanding for ESSA has been reduced compared to 5 years ago.

ESSA has a worse debt/assets ratio than last year.

2.2 Solvency

ESSA has a debt to FCF ratio of 15.17. This is a negative value and a sign of low solvency as ESSA would need 15.17 years to pay back of all of its debts.

ESSA has a Debt to FCF ratio of 15.17. This is amonst the worse of the industry: ESSA underperforms 82.73% of its industry peers.

A Debt/Equity ratio of 1.64 is on the high side and indicates that ESSA has dependencies on debt financing.

With a Debt to Equity ratio value of 1.64, ESSA is not doing good in the industry: 89.05% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF	15.17
Altman-Z	N/A

ROIC/WACCN/A

WACC8.86%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for ESSA have decreased strongly by -11.06% in the last year.

Measured over the past years, ESSA shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.06% on average per year.

The Revenue has decreased by -1.82% in the past year.

ESSA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.38% yearly.

EPS 1Y (TTM)-11.06%

EPS 3Y11.18%

EPS 5Y26.06%

EPS growth Q2Q-10%

Revenue 1Y (TTM)-1.82%

Revenue growth 3Y4.16%

Revenue growth 5Y4.38%

Revenue growth Q2Q-4.29%

3.2 Future

Based on estimates for the next years, ESSA will show a small growth in Earnings Per Share. The EPS will grow by 4.65% on average per year.

Based on estimates for the next years, ESSA will show a small growth in Revenue. The Revenue will grow by 5.98% on average per year.

EPS Next Y-9.81%

EPS Next 2Y4.65%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.35%

Revenue Next 2Y5.98%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.80, the valuation of ESSA can be described as reasonable.

ESSA's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 25.20. ESSA is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 7.82, which indicates a rather cheap valuation of ESSA.

Based on the Price/Forward Earnings ratio, ESSA is valued cheaply inside the industry as 80.78% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 21.63. ESSA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	7.82

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESSA indicates a somewhat cheap valuation: ESSA is cheaper than 68.13% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.92
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.34

EPS Next 2Y4.65%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

ESSA has a Yearly Dividend Yield of 3.68%.

In the last 3 months the price of ESSA has falen by -20.02%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.

Compared to an average industry Dividend Yield of 3.86, ESSA has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, ESSA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.68%

5.2 History

The dividend of ESSA is nicely growing with an annual growth rate of 11.01%!

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)11.01%

Div Incr Years6

Div Non Decr Years15

5.3 Sustainability

ESSA pays out 32.54% 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.

DP32.54%

EPS Next 2Y4.65%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

ESSA BANCORP INC

NASDAQ:ESSA (4/25/2024, 7:00:01 PM)

After market: 16.275 0 (0%)

16.275

-0.58 (-3.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap164.87M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.68%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	7.82
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)0.34

Profitability

		Industry Rank	Sector Rank
ROA	0.81%
ROE	8.18%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	26.28%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-11.06%

EPS 3Y11.18%

EPS 5Y

EPS growth Q2Q

EPS Next Y-9.81%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-1.82%

Revenue growth 3Y4.16%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

ESSA BANCORP INC (ESSA)

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

More info and screens