ESSA BANCORP INC(NASDAQ:ESSA) stock Fundamental Analysis

Fundamental Rating

ESSA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 402 industry peers in the Banks industry. ESSA has a medium profitability rating, but doesn't score so well on its financial health evaluation. ESSA has a valuation in line with the averages, but it does not seem to be growing.

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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.

In the past 5 years ESSA has always been profitable.

ESSA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

ESSA has a Return On Assets (0.76%) which is in line with its industry peers.

ESSA's Return On Equity of 7.09% is in line compared to the rest of the industry. ESSA outperforms 40.30% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	7.09%
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 25.22%, ESSA is in the better half of the industry, outperforming 61.19% of the companies in the same industry.

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)	25.22%
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

Compared to 1 year ago, ESSA has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of ESSA is 22.73, which is on the high side as it means it would take ESSA, 22.73 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 22.73, ESSA is doing worse than 79.10% of the companies in the same industry.

ESSA has a Debt/Equity ratio of 0.92. This is a neutral value indicating ESSA is somewhat dependend on debt financing.

With a Debt to Equity ratio value of 0.92, ESSA is not doing good in the industry: 84.08% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.92
Debt/FCF	22.73
Altman-Z	N/A

ROIC/WACCN/A

WACC11.41%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for ESSA have decreased by -5.89% in the last year.

Measured over the past years, ESSA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.60% on average per year.

ESSA shows a decrease in Revenue. In the last year, the revenue decreased by -4.15%.

ESSA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.80% yearly.

EPS 1Y (TTM)-5.89%

EPS 3Y2.61%

EPS 5Y8.6%

EPS Q2Q%-8.33%

Revenue 1Y (TTM)-4.15%

Revenue growth 3Y1.08%

Revenue growth 5Y3.8%

Sales Q2Q%-3.7%

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 11.34, the valuation of ESSA can be described as reasonable.

62.19% of the companies in the same industry are more expensive than ESSA, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of ESSA to the average of the S&P500 Index (29.35), we can say ESSA is valued rather cheaply.

ESSA is valuated reasonably with a Price/Forward Earnings ratio of 10.03.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ESSA indicates a somewhat cheap valuation: ESSA is cheaper than 64.43% of the companies listed in the same industry.

ESSA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.34
Fwd PE	10.03

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ESSA is valued a bit more expensive than the industry average as 70.40% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	21.29
EV/EBITDA	N/A

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)1.46

PEG (5Y)1.32

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ESSA has a Yearly Dividend Yield of 3.00%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.37, ESSA has a dividend in line with its industry peers.

ESSA's Dividend Yield is a higher than the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	3%

5.2 History

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

ESSA has paid a dividend for at least 10 years, which is 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 35.58% 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.

DP35.58%

EPS Next 2YN/A

EPS Next 3YN/A

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ESSA BANCORP INC

NASDAQ:ESSA (3/7/2025, 8:22:18 PM)

After market: 19.84 0 (0%)

19.84

-0.16 (-0.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-22 2025-04-22/amc

Inst Owners46.79%

Inst Owner Change0.6%

Ins Owners7.1%

Ins Owner Change1.45%

Market Cap201.38M

Analysts43.33

Price Target19.38 (-2.32%)

Short Float %0.25%

Short Ratio0.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3%

Yearly Dividend0.58

Dividend Growth(5Y)9.26%

DP35.58%

Div Incr Years6

Div Non Decr Years15

Ex-Date03-17 2025-03-17 (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)-10.85%

Min Revenue beat(2)-16.57%

Max Revenue beat(2)-5.12%

Revenue beat(4)1

Avg Revenue beat(4)-6.99%

Min Revenue beat(4)-16.57%

Max Revenue beat(4)1.43%

Revenue beat(8)3

Avg Revenue beat(8)-3.91%

Revenue beat(12)5

Avg Revenue beat(12)-2.22%

Revenue beat(16)7

Avg Revenue beat(16)-1.52%

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	11.34
Fwd PE	10.03
P/S	3.06
P/FCF	21.29
P/OCF	20.44
P/B	0.86
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)1.75

EY8.82%

EPS(NY)1.98

Fwd EY9.97%

FCF(TTM)0.93

FCFY4.7%

OCF(TTM)0.97

OCFY4.89%

SpS6.49

BVpS23.07

TBVpS21.71

PEG (NY)1.46

PEG (5Y)1.32

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	7.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.22%
GM	N/A
FCFM	14.36%

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	0.92
Debt/FCF	22.73
Debt/EBITDA	N/A
Cap/Depr	17.51%
Cap/Sales	0.6%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	56.95%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC11.41%

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)-5.89%

EPS 3Y2.61%

EPS 5Y8.6%

EPS Q2Q%-8.33%

EPS Next Y7.78%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.15%

Revenue growth 3Y1.08%

Revenue growth 5Y3.8%

Sales Q2Q%-3.7%

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-56%

FCF growth 3Y-11.39%

FCF growth 5Y-5.32%

OCF growth 1Y-55.62%

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

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