Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.08
ESBF's Cash to Debt is ranked lower than
52% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. ESBF: 0.08 )
ESBF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.15
Current: 0.08

0.02
0.15
Equity to Asset 0.11
ESBF's Equity to Asset is ranked higher than
80% of the 2010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ESBF: 0.11 )
ESBF' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.11
Current: 0.11

0.05
0.11
Interest Coverage 0.87
ESBF's Interest Coverage is ranked higher than
61% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. ESBF: 0.87 )
ESBF' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.87
Current: 0.87

0.11
0.87
F-Score: 6
Z-Score: 0.29
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 41.52
ESBF's Operating margin (%) is ranked higher than
88% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. ESBF: 41.52 )
ESBF' s 10-Year Operating margin (%) Range
Min: 24   Max: 45.99
Current: 41.52

24
45.99
Net-margin (%) 33.23
ESBF's Net-margin (%) is ranked higher than
90% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. ESBF: 33.23 )
ESBF' s 10-Year Net-margin (%) Range
Min: 18.67   Max: 32.72
Current: 33.23

18.67
32.72
ROE (%) 8.88
ESBF's ROE (%) is ranked higher than
77% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. ESBF: 8.88 )
ESBF' s 10-Year ROE (%) Range
Min: 5.26   Max: 11.4
Current: 8.88

5.26
11.4
ROA (%) 0.90
ESBF's ROA (%) is ranked higher than
77% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESBF: 0.90 )
ESBF' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.8
Current: 0.9

0.4
0.8
ROC (Joel Greenblatt) (%) 165.17
ESBF's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. ESBF: 165.17 )
ESBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.25   Max: 421.43
Current: 165.17

3.25
421.43
Revenue Growth (3Y)(%) 1.10
ESBF's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ESBF: 1.10 )
ESBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.5   Max: 15.3
Current: 1.1

-5.5
15.3
EBITDA Growth (3Y)(%) 0.90
ESBF's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. ESBF: 0.90 )
ESBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.8   Max: 20.8
Current: 0.9

-13.8
20.8
EPS Growth (3Y)(%) 2.00
ESBF's EPS Growth (3Y)(%) is ranked higher than
67% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. ESBF: 2.00 )
ESBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -14   Max: 25
Current: 2

-14
25
» ESBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

ESBF Guru Trades in Q1 2013

Jim Simons 13,360 sh (-9.19%)
» More
Q2 2013

ESBF Guru Trades in Q2 2013

Jim Simons 17,432 sh (+30.48%)
» More
Q3 2013

ESBF Guru Trades in Q3 2013

Jim Simons 14,368 sh (-17.58%)
» More
Q4 2013

ESBF Guru Trades in Q4 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ESBF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.20
ESBF's P/E(ttm) is ranked higher than
73% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. ESBF: 19.20 )
ESBF' s 10-Year P/E(ttm) Range
Min: 10.02   Max: 20.27
Current: 19.2

10.02
20.27
P/B 1.61
ESBF's P/B is ranked higher than
67% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. ESBF: 1.61 )
ESBF' s 10-Year P/B Range
Min: 0.77   Max: 1.79
Current: 1.61

0.77
1.79
P/S 6.31
ESBF's P/S is ranked higher than
63% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. ESBF: 6.31 )
ESBF' s 10-Year P/S Range
Min: 2.94   Max: 6.33
Current: 6.31

2.94
6.33
PFCF 13.95
ESBF's PFCF is ranked higher than
82% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ESBF: 13.95 )
ESBF' s 10-Year PFCF Range
Min: 4.28   Max: 21.17
Current: 13.95

4.28
21.17
EV-to-EBIT 27.35
ESBF's EV-to-EBIT is ranked higher than
66% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. ESBF: 27.35 )
ESBF' s 10-Year EV-to-EBIT Range
Min: 21.6   Max: 118.8
Current: 27.35

21.6
118.8
PEG 3.33
ESBF's PEG is ranked higher than
85% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ESBF: 3.33 )
ESBF' s 10-Year PEG Range
Min: 0.79   Max: 9.11
Current: 3.33

0.79
9.11
Shiller P/E 21.74
ESBF's Shiller P/E is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. ESBF: 21.74 )
ESBF' s 10-Year Shiller P/E Range
Min: 9.68   Max: 21.85
Current: 21.74

9.68
21.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
ESBF's Dividend Yield is ranked lower than
51% of the 1876 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.32 vs. ESBF: 2.14 )
ESBF' s 10-Year Dividend Yield Range
Min: 2.14   Max: 4.68
Current: 2.14

2.14
4.68
Dividend Payout 0.41
ESBF's Dividend Payout is ranked higher than
71% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. ESBF: 0.41 )
ESBF' s 10-Year Dividend Payout Range
Min: 0.2   Max: 6.27
Current: 0.41

0.2
6.27
Dividend growth (3y) 11.30
ESBF's Dividend growth (3y) is ranked higher than
84% of the 1127 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. ESBF: 11.30 )
ESBF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 27.6
Current: 11.3

0
27.6
Yield on cost (5-Year) 3.17
ESBF's Yield on cost (5-Year) is ranked higher than
63% of the 1889 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.53 vs. ESBF: 3.17 )
ESBF' s 10-Year Yield on cost (5-Year) Range
Min: 3.2   Max: 7.07
Current: 3.17

3.2
7.07
Share Buyback Rate -0.40
ESBF's Share Buyback Rate is ranked higher than
82% of the 1472 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. ESBF: -0.40 )
ESBF' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -7.2
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.01
ESBF's Price/Tangible Book is ranked higher than
67% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. ESBF: 2.01 )
ESBF' s 10-Year Price/Tangible Book Range
Min: 0.87   Max: 2.21
Current: 2.01

0.87
2.21
Price/DCF (Projected) 0.84
ESBF's Price/DCF (Projected) is ranked higher than
81% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. ESBF: 0.84 )
ESBF' s 10-Year Price/DCF (Projected) Range
Min: 0.06   Max: 0.89
Current: 0.84

0.06
0.89
Price/Median PS Value 1.57
ESBF's Price/Median PS Value is ranked higher than
65% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. ESBF: 1.57 )
ESBF' s 10-Year Price/Median PS Value Range
Min: 0.63   Max: 2.76
Current: 1.57

0.63
2.76
Price/Graham Number 1.30
ESBF's Price/Graham Number is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. ESBF: 1.30 )
ESBF' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.33
Current: 1.3

0.58
1.33
Earnings Yield (Greenblatt) 3.70
ESBF's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. ESBF: 3.70 )
ESBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 4.6
Current: 3.7

0.8
4.6
Forward Rate of Return (Yacktman) 11.99
ESBF's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1246 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. ESBF: 11.99 )
ESBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.9   Max: 30.3
Current: 11.99

1.9
30.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
ESB Financial Corp is incorporated in Pennsylvania and thrift holding company that provides a range of retail and commercial financial products and services to customers in Western Pennsylvania through its wholly owned subsidiary bank, ESB Bank or the Bank. The Bank is a Pennsylvania chartered, Federal Deposit Insurance Corporation insured stock savings bank, which conducts business through 23 offices in Allegheny, Beaver, Butler, and Lawrence counties, Pennsylvania. The Company operates two wholly-owned subsidiaries: AMSCO, Inc., which engages in the management of certain real estate development partnerships on behalf of the Company and ESB Financial Services, Inc., a Delaware corporation which holds loans and other investments. The Bank is a financial intermediary whose business consists of attracting deposits from the general public and investing such deposits in real estate loans secured by liens on residential and commercial properties, consumer loans, commercial business loans, securities and interest-earning deposits. The Company is subject to examination and regulation by the Board of Governors of the Federal Reserve System as a savings and loan holding company. The Bank is subject to examination and comprehensive regulation by the FDIC and the Pennsylvania Department of Banking and Securities.
» More Articles for ESBF

Headlines

Articles On GuruFocus.com
My 4 Favorite Stocks With Recent Dividend Growth Jun 23 2013 
ESB Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
ESB Financial Corp. Reports Operating Results (10-Q) Aug 09 2010 
ESB Financial Corp. (ESBF) Group Sr VP/CFO Charles P Evanoski sells 1,000 Shares Aug 03 2010 
ESB Financial Corp. Reports Operating Results (10-Q) May 10 2010 
ESB Financial Corp. Reports Operating Results (10-Q) Nov 09 2009 
ESB Financial Corp. Reports Operating Results (10-Q) Aug 07 2009 
ESB Financial Corp. Reports Operating Results (10-Q) May 08 2009 
ESB Financial Corporation Announces Earnings for Fourth Quarter and 2008 Year End Jan 27 2009 

More From Other Websites
Nasdaq stocks posting largest percentage increases Dec 19 2014
ESB FINANCIAL CORP Files SEC form 8-K, Other Events Dec 19 2014
ESB FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Files Class Action against ESB Financial, Inc. in Connection... Dec 16 2014
ESB FINANCIAL CORP Financials Nov 18 2014
ESBF INVESTOR ALERT: The Law Offices of Vincent Wong Investigates the Board of Directors of ESB... Nov 17 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of ESB Financial Corp. in Connection... Nov 17 2014
10-Q for ESB Financial Corp. Nov 12 2014
ESB FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 10 2014
INVESTOR ALERT: The Law Offices of Vincent Wong Investigates the Board of Directors of ESB Financial... Nov 05 2014
ESB FINANCIAL CORPORATION SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces Investigation Of... Nov 05 2014
Lifshitz & Miller Law Firm Announces Investigation of American Realty Capital Properties Inc.,... Nov 05 2014
SHAREHOLDER ALERT: Brower Piven Launches An Investigation Into The Proposed Merger Of ESB Financial... Nov 04 2014
INVESTOR ALERT: Levi & Korsinsky, LLP Notifies Investors of ESB Financial Corp. of Investigation of... Nov 03 2014
Harwood Feffer LLP Announces Investigation of ESB Financial Corp. Oct 31 2014
ESB FINANCIAL CORP. INVESTOR ALERT: Faruqi & Faruqi, LLP Announces the Investigation of ESB... Oct 31 2014
SHAREHOLDER ALERT: Brodsky & Smith, LLC Announces Investigation of ESB Financial Corp. in Connection... Oct 31 2014
SHAREHOLDER ALERT: Brower Piven Launches An Investigation Into The Proposed Merger Of ESB Financial... Oct 31 2014
ESB FINANCIAL SHAREHOLDER ALERT: Former SEC Attorney Willie Briscoe and Powers Taylor LLP... Oct 31 2014
ESBF INVESTOR ALERT: Levi & Korsinsky, LLP Launches Investigation of the Board of Directors of ESB... Oct 31 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK