ESSA Fundamental Analysis - ESSA BANCORP INC

Fundamental Rating

ESSA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of ESSA have multiple concerns. ESSA does not seem to be growing, but still is valued expensively.

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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.

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

The Return On Assets of ESSA (0.68%) is worse 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 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.

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)	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.

Compared to 1 year ago, ESSA has less shares outstanding

Compared to 5 years ago, ESSA has less shares outstanding

The debt/assets ratio for ESSA has been reduced compared to a year ago.

2.2 Solvency

ESSA has a debt to FCF ratio of 15.86. This is a negative value and a sign of low solvency as ESSA would need 15.86 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 15.86, ESSA is doing worse than 82.44% of the companies in the same industry.

A Debt/Equity ratio of 0.85 indicates that ESSA is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.85, ESSA is not doing good in the industry: 84.48% of the companies in the same industry are doing better.

		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

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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%.

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.

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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.

Based on the Price/Earnings ratio, ESSA is valued a bit more expensive than the industry average as 61.32% of the companies are valued more cheaply.

ESSA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.54.

A Price/Forward Earnings ratio of 10.42 indicates a reasonable valuation of ESSA.

The rest of the industry has a similar Price/Forward Earnings ratio as ESSA.

ESSA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.28.

		Industry Rank	Sector Rank
PE	13.3
Fwd PE	10.42

4.2 Price Multiples

ESSA's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ESSA is more expensive than 67.43% of the companies in the same industry.

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

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)1.71

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.

ESSA's Dividend Yield is comparable with the industry average which is at 3.51.

ESSA's Dividend Yield is a higher than the S&P500 average which is at 2.40.

		Industry Rank	Sector 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 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

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

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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 Change0.01%

Ins Owners7.1%

Ins Owner Change-115.89%

Market Cap209.19M

Analysts43.33

Price TargetN/A

Short Float %0.43%

Short Ratio0.66

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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