ESSA BANCORP INC(NASDAQ:ESSA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ESSA. ESSA was compared to 405 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 valuation in line with the averages, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

ESSA had positive earnings in the past year.

ESSA had a positive operating cash flow in the past year.

In the past 5 years ESSA has always 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 (0.78%) which is in line with its industry peers.

ESSA's Return On Equity of 7.37% is in line compared to the rest of the industry. ESSA outperforms 44.47% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.37%
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

ESSA has a Profit Margin of 25.56%. This is in the better half of the industry: ESSA outperforms 66.08% of its industry peers.

ESSA's Profit Margin has improved in the last couple of years.

ESSA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.56%
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.

ESSA has less shares outstanding than it did 1 year ago.

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

The Debt to FCF ratio of ESSA is 21.20, which is on the high side as it means it would take ESSA, 21.20 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of ESSA (21.20) is worse than 78.14% of its industry peers.

ESSA has a Debt/Equity ratio of 1.22. This is a high value indicating a heavy dependency on external financing.

ESSA's Debt to Equity ratio of 1.22 is on the low side compared to the rest of the industry. ESSA is outperformed by 88.69% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	21.2
Altman-Z	N/A

ROIC/WACCN/A

WACC10.75%

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 by -6.32% in the last year.

The Earnings Per Share has been growing by 26.06% on average over the past years. This is a very strong growth

Looking at the last year, ESSA shows a decrease in Revenue. The Revenue has decreased by -4.29% in the last year.

The Revenue has been growing slightly by 4.38% on average over the past years.

EPS 1Y (TTM)-6.32%

EPS 3Y11.18%

EPS 5Y26.06%

EPS Q2Q%-6.38%

Revenue 1Y (TTM)-4.29%

Revenue growth 3Y4.16%

Revenue growth 5Y4.38%

Sales Q2Q%-5.72%

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 2.05% on average per year.

The Revenue is expected to grow by 3.00% on average over the next years.

EPS Next Y-3.37%

EPS Next 2Y2.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-0.78%

Revenue Next 2Y3%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

ESSA is valuated reasonably with a Price/Earnings ratio of 11.40.

70.35% of the companies in the same industry are more expensive than ESSA, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 28.29. ESSA is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 10.26, the valuation of ESSA can be described as reasonable.

Based on the Price/Forward Earnings ratio, ESSA is valued a bit cheaper than 70.10% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 24.44. ESSA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.4
Fwd PE	10.26

4.2 Price Multiples

75.13% of the companies in the same industry are cheaper than ESSA, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	27.87
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.44

EPS Next 2Y2.05%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.05%, ESSA has a reasonable but not impressive dividend return.

ESSA's Dividend Yield is comparable with the industry average which is at 3.22.

Compared to an average S&P500 Dividend Yield of 2.28, ESSA pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.05%

5.2 History

The dividend of ESSA is nicely growing with an annual growth rate of 9.26%!

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 Years6

Div Non Decr Years15

5.3 Sustainability

ESSA pays out 34.75% of its income as dividend. This is a sustainable payout ratio.

The dividend of ESSA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP34.75%

EPS Next 2Y2.05%

EPS Next 3YN/A

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ESSA BANCORP INC

NASDAQ:ESSA (1/22/2025, 11:29:22 AM)

20.3

-0.29 (-1.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-23 2024-10-23/amc

Earnings (Next)01-22 2025-01-22/amc

Inst Owners45.56%

Inst Owner Change0%

Ins Owners6.71%

Ins Owner Change1.3%

Market Cap368.04M

Analysts43.33

Price Target19.38 (-4.53%)

Short Float %0.12%

Short Ratio1.44

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.05%

Yearly Dividend0.58

Dividend Growth(5Y)9.26%

DP34.75%

Div Incr Years6

Div Non Decr Years15

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-3.98%

Min EPS beat(2)-10.68%

Max EPS beat(2)2.71%

EPS beat(4)2

Avg EPS beat(4)5.6%

Min EPS beat(4)-10.68%

Max EPS beat(4)34.45%

EPS beat(8)5

Avg EPS beat(8)4.29%

EPS beat(12)9

Avg EPS beat(12)6.2%

EPS beat(16)12

Avg EPS beat(16)5.49%

Revenue beat(2)0

Avg Revenue beat(2)-6.4%

Min Revenue beat(2)-7.69%

Max Revenue beat(2)-5.12%

Revenue beat(4)1

Avg Revenue beat(4)-4.41%

Min Revenue beat(4)-7.69%

Max Revenue beat(4)1.43%

Revenue beat(8)3

Avg Revenue beat(8)-2.9%

Revenue beat(12)5

Avg Revenue beat(12)-1.16%

Revenue beat(16)7

Avg Revenue beat(16)-0.77%

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	11.4
Fwd PE	10.26
P/S	5.54
P/FCF	27.87
P/OCF	27.41
P/B	1.6
P/tB	1.7
EV/EBITDA	N/A

EPS(TTM)1.78

EY8.77%

EPS(NY)1.98

Fwd EY9.75%

FCF(TTM)0.73

FCFY3.59%

OCF(TTM)0.74

OCFY3.65%

SpS3.67

BVpS12.71

TBVpS11.95

PEG (NY)N/A

PEG (5Y)0.44

Profitability

		Industry Rank	Sector Rank
ROA	0.78%
ROE	7.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.56%
GM	N/A
FCFM	19.86%

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-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.22
Debt/FCF	21.2
Debt/EBITDA	N/A
Cap/Depr	18.39%
Cap/Sales	0.33%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	77.72%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC10.75%

ROIC/WACCN/A

Cap/Depr(3y)45.12%

Cap/Depr(5y)48.38%

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)-6.32%

EPS 3Y11.18%

EPS 5Y26.06%

EPS Q2Q%-6.38%

EPS Next Y-3.37%

EPS Next 2Y2.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.29%

Revenue growth 3Y4.16%

Revenue growth 5Y4.38%

Sales Q2Q%-5.72%

Revenue Next Year-0.78%

Revenue Next 2Y3%

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-33.65%

FCF growth 3Y-11.39%

FCF growth 5Y-5.32%

OCF growth 1Y-35.63%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens