ELMIRA SAVINGS BANK (ESBK)

US2896601026 - Common Stock

23.08  +0.01 (+0.04%)

Fundamental Rating

1

ESBK gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 0 industry peers in the Thrifts & Mortgage Finance industry. Both the profitability and financial health of ESBK have multiple concerns. ESBK is valued expensive and it does not seem to be growing.



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0

1. Profitability

1.1 Basic Checks

ESBK had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.84%
ROE 8.51%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for ESBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

The number of shares outstanding for ESBK has been increased compared to 1 year ago.
ESBK has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.38 indicates that ESBK is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

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

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2

3. Growth

3.1 Past

ESBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.86%, which is quite good.
ESBK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.56% yearly.
Looking at the last year, ESBK shows a small growth in Revenue. The Revenue has grown by 0.57% in the last year.
Measured over the past years, ESBK shows a small growth in Revenue. The Revenue has been growing by 1.00% on average per year.
EPS 1Y (TTM)18.86%
EPS 3Y-6.92%
EPS 5Y-3.56%
EPS Q2Q%58.8%
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y1%
Sales Q2Q%3.18%

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 YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
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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1

4. Valuation

4.1 Price/Earnings Ratio

ESBK is valuated correctly with a Price/Earnings ratio of 14.99.
ESBK is valuated rather cheaply when we compare the Price/Earnings ratio to 29.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.99
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.60%, ESBK has a reasonable but not impressive dividend return.
ESBK's Dividend Yield is comparable with the S&P500 average which is at 2.19.
Industry RankSector Rank
Dividend Yield 2.6%

5.2 History

The dividend of ESBK decreases each year by -8.10%.
ESBK has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-8.1%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

ESBK pays out 63.82% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of ESBK has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP63.82%
EPS Next 2YN/A
EPS Next 3YN/A

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ELMIRA SAVINGS BANK

NASDAQ:ESBK (5/13/2022, 8:10:00 PM)

23.08

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap81.93M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Dividend Growth(5Y)
DP
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 RankSector Rank
PE 14.99
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 8.51%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 16.45%
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 RankSector Rank
Debt/Equity 0.38
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)
High Growth Momentum
Growth
EPS 1Y (TTM)18.86%
EPS 3Y-6.92%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.57%
Revenue growth 3Y-1.85%
Revenue growth 5Y
Sales 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