ESSA BANCORP INC (ESSA) Stock Fundamental Analysis

NASDAQ:ESSA • US29667D1046

20.61 USD
+0.51 (+2.54%)
At close: Jul 23, 2025
20.61 USD
0 (0%)
After Hours: 7/23/2025, 8:20:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

ESSA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. ESSA may be in some trouble as it scores bad on both profitability and health. ESSA is valued expensive and it does not seem to be growing. ESSA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ESSA had positive earnings in the past year.
  • In the past year ESSA had a positive cash flow from operations.
  • In the past 5 years ESSA has always been profitable.
  • Each year in the past 5 years ESSA had a positive operating cash flow.
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 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.
  • With a Return On Equity value of 6.25%, ESSA is not doing good in the industry: 67.18% of the companies in the same industry are doing better.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 22.66%, ESSA perfoms like the industry average, outperforming 44.78% of the companies in the same industry.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • ESSA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ESSA has been reduced compared to a year ago.
ESSA Yearly Shares OutstandingESSA Yearly Shares OutstandingYearly Shares Outstanding 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 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 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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%.
  • ESSA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.60% yearly.
  • Looking at the last year, ESSA shows a decrease in Revenue. The Revenue has decreased by -4.62% in the last 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 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.30, the valuation of ESSA can be described as correct.
  • ESSA's Price/Earnings ratio is a bit more expensive when compared to the industry. ESSA is more expensive than 61.32% of the companies in the same industry.
  • ESSA is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 10.42 indicates a reasonable valuation of ESSA.
  • ESSA's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, ESSA is valued rather cheaply.
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 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 67.43% of the companies listed in the same industry.
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • ESSA has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.53, ESSA has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, ESSA pays a better dividend.
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 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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

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
Earnings (Next)10-21
Inst Owners48.75%
Inst Owner Change-100%
Ins Owners7.1%
Ins Owner Change0%
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-DateN/A
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.


What is the valuation status of ESSA BANCORP INC (ESSA) stock?

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.


Can you provide the PE and PB ratios for ESSA stock?

The Price/Earnings (PE) ratio for ESSA BANCORP INC (ESSA) is 13.3 and the Price/Book (PB) ratio is 0.88.


Can you provide the dividend sustainability for ESSA stock?

The dividend rating of ESSA BANCORP INC (ESSA) is 6 / 10 and the dividend payout ratio is 39.75%.