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
94% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. ESBF: 0.08 )
Ranked among companies with meaningful Cash to Debt only.
ESBF' s 10-Year Cash to Debt Range
Min: 0.02  Med: 0.03 Max: 0.15
Current: 0.08
0.02
0.15
Equity to Asset 0.11
ESBF's Equity to Asset is ranked higher than
61% of the 1290 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ESBF: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
ESBF' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.07 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 0.87
ESBF's Interest Coverage is ranked lower than
67% of the 1205 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. ESBF: 0.87 )
Ranked among companies with meaningful Interest Coverage only.
ESBF' s 10-Year Interest Coverage Range
Min: 0.11  Med: 0.20 Max: 0.87
Current: 0.87
0.11
0.87
F-Score: 6
WACC vs ROIC
4.23%
3.53%
WACC
ROIC
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 (%) 42.12
ESBF's Operating margin (%) is ranked higher than
77% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.54 vs. ESBF: 42.12 )
Ranked among companies with meaningful Operating margin (%) only.
ESBF' s 10-Year Operating margin (%) Range
Min: 24  Med: 36.60 Max: 42.13
Current: 42.12
24
42.13
Net-margin (%) 33.28
ESBF's Net-margin (%) is ranked higher than
80% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.24 vs. ESBF: 33.28 )
Ranked among companies with meaningful Net-margin (%) only.
ESBF' s 10-Year Net-margin (%) Range
Min: 18.67  Med: 29.90 Max: 32.72
Current: 33.28
18.67
32.72
ROE (%) 9.05
ESBF's ROE (%) is ranked higher than
56% of the 1355 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. ESBF: 9.05 )
Ranked among companies with meaningful ROE (%) only.
ESBF' s 10-Year ROE (%) Range
Min: 5.26  Med: 8.56 Max: 11.4
Current: 9.05
5.26
11.4
ROA (%) 0.94
ESBF's ROA (%) is ranked higher than
61% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESBF: 0.94 )
Ranked among companies with meaningful ROA (%) only.
ESBF' s 10-Year ROA (%) Range
Min: 0.4  Med: 0.62 Max: 0.8
Current: 0.94
0.4
0.8
ROC (Joel Greenblatt) (%) 210.04
ESBF's ROC (Joel Greenblatt) (%) is ranked higher than
78% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 74.52 vs. ESBF: 210.04 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ESBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.25  Med: 5.39 Max: 266.67
Current: 210.04
3.25
266.67
Revenue Growth (3Y)(%) 1.10
ESBF's Revenue Growth (3Y)(%) is ranked lower than
54% of the 1149 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. ESBF: 1.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ESBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.5  Med: 6.20 Max: 15.3
Current: 1.1
-5.5
15.3
EBITDA Growth (3Y)(%) 0.90
ESBF's EBITDA Growth (3Y)(%) is ranked lower than
68% of the 1011 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. ESBF: 0.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ESBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.8  Med: 5.30 Max: 20.8
Current: 0.9
-13.8
20.8
EPS Growth (3Y)(%) 2.00
ESBF's EPS Growth (3Y)(%) is ranked lower than
67% of the 1020 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. ESBF: 2.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ESBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -14  Med: 8.10 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

ESBF Guru Trades in

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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.20
ESBF's P/E(ttm) is ranked lower than
70% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ESBF: 18.20 )
Ranked among companies with meaningful P/E(ttm) only.
ESBF' s 10-Year P/E(ttm) Range
Min: 10.02  Med: 13.86 Max: 19.82
Current: 18.2
10.02
19.82
Forward P/E 12.24
ESBF's Forward P/E is ranked higher than
52% of the 750 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. ESBF: 12.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.30
ESBF's PE(NRI) is ranked lower than
70% of the 1217 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ESBF: 18.30 )
Ranked among companies with meaningful PE(NRI) only.
ESBF' s 10-Year PE(NRI) Range
Min: 9.8  Med: 13.78 Max: 19.9
Current: 18.3
9.8
19.9
P/B 1.48
ESBF's P/B is ranked lower than
74% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. ESBF: 1.48 )
Ranked among companies with meaningful P/B only.
ESBF' s 10-Year P/B Range
Min: 0.77  Med: 1.07 Max: 1.69
Current: 1.48
0.77
1.69
P/S 6.00
ESBF's P/S is ranked lower than
86% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. ESBF: 6.00 )
Ranked among companies with meaningful P/S only.
ESBF' s 10-Year P/S Range
Min: 2.94  Med: 4.02 Max: 6.52
Current: 6
2.94
6.52
PFCF 13.26
ESBF's PFCF is ranked lower than
57% of the 825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. ESBF: 13.26 )
Ranked among companies with meaningful PFCF only.
ESBF' s 10-Year PFCF Range
Min: 4.28  Med: 8.58 Max: 21.17
Current: 13.26
4.28
21.17
POCF 13.16
ESBF's POCF is ranked lower than
64% of the 930 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.17 vs. ESBF: 13.16 )
Ranked among companies with meaningful POCF only.
ESBF' s 10-Year POCF Range
Min: 4.34  Med: 8.86 Max: 17.07
Current: 13.16
4.34
17.07
EV-to-EBIT 25.73
ESBF's EV-to-EBIT is ranked lower than
78% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.30 vs. ESBF: 25.73 )
Ranked among companies with meaningful EV-to-EBIT only.
ESBF' s 10-Year EV-to-EBIT Range
Min: 21.6  Med: 65.95 Max: 118.8
Current: 25.73
21.6
118.8
PEG 2.10
ESBF's PEG is ranked lower than
73% of the 542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. ESBF: 2.10 )
Ranked among companies with meaningful PEG only.
ESBF' s 10-Year PEG Range
Min: 0.79  Med: 1.38 Max: 9.11
Current: 2.1
0.79
9.11
Shiller P/E 20.58
ESBF's Shiller P/E is ranked lower than
62% of the 771 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.62 vs. ESBF: 20.58 )
Ranked among companies with meaningful Shiller P/E only.
ESBF' s 10-Year Shiller P/E Range
Min: 9.52  Med: 14.86 Max: 22.44
Current: 20.58
9.52
22.44
Days Sales Outstanding 54.35
ESBF's Days Sales Outstanding is ranked lower than
65% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 35.19 vs. ESBF: 54.35 )
Ranked among companies with meaningful Days Sales Outstanding only.
ESBF' s 10-Year Days Sales Outstanding Range
Min: 58.92  Med: 109.27 Max: 136.27
Current: 54.35
58.92
136.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
ESBF's Dividend Yield is ranked lower than
56% of the 2112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.57 vs. ESBF: 2.30 )
Ranked among companies with meaningful Dividend Yield only.
ESBF' s 10-Year Dividend Yield Range
Min: 2.07  Med: 3.10 Max: 4.68
Current: 2.3
2.07
4.68
Dividend Payout 0.41
ESBF's Dividend Payout is ranked lower than
63% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.24 vs. ESBF: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
ESBF' s 10-Year Dividend Payout Range
Min: 0.2  Med: 0.38 Max: 6.27
Current: 0.41
0.2
6.27
Dividend growth (3y) 11.30
ESBF's Dividend growth (3y) is ranked higher than
61% of the 640 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ESBF: 11.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
ESBF' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 6.20 Max: 27.6
Current: 11.3
0
27.6
Yield on cost (5-Year) 3.18
ESBF's Yield on cost (5-Year) is ranked higher than
55% of the 2110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.91 vs. ESBF: 3.18 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ESBF' s 10-Year Yield on cost (5-Year) Range
Min: 2.86  Med: 4.29 Max: 6.47
Current: 3.18
2.86
6.47
Share Buyback Rate -0.40
ESBF's Share Buyback Rate is ranked higher than
65% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. ESBF: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
ESBF' s 10-Year Share Buyback Rate Range
Min: 2.2  Med: -1.00 Max: -7.2
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.48
ESBF's Price/Tangible Book is ranked lower than
66% of the 1331 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. ESBF: 1.48 )
Ranked among companies with meaningful Price/Tangible Book only.
ESBF' s 10-Year Price/Tangible Book Range
Min: 0.87  Med: 1.32 Max: 2.21
Current: 1.48
0.87
2.21
Price/Projected FCF 0.79
ESBF's Price/Projected FCF is ranked lower than
61% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.68 vs. ESBF: 0.79 )
Ranked among companies with meaningful Price/Projected FCF only.
ESBF' s 10-Year Price/Projected FCF Range
Min: 0.06  Med: 0.56 Max: 0.89
Current: 0.79
0.06
0.89
Price/Median PS Value 1.49
ESBF's Price/Median PS Value is ranked lower than
84% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. ESBF: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
ESBF' s 10-Year Price/Median PS Value Range
Min: 0.63  Med: 0.98 Max: 2.76
Current: 1.49
0.63
2.76
Price/Graham Number 1.24
ESBF's Price/Graham Number is ranked lower than
78% of the 1154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. ESBF: 1.24 )
Ranked among companies with meaningful Price/Graham Number only.
ESBF' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.93 Max: 1.33
Current: 1.24
0.58
1.33
Earnings Yield (Greenblatt) (%) 3.90
ESBF's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ESBF: 3.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ESBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.8  Med: 1.50 Max: 4.6
Current: 3.9
0.8
4.6
Forward Rate of Return (Yacktman) (%) 12.36
ESBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. ESBF: 12.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ESBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.9  Med: 16.55 Max: 30.3
Current: 12.36
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 Apr 29 2015
Five things to know today, and how much Pittsburgh will lose if the Penguins don't win tonight Apr 24 2015
WesBanco, Inc. Consummates Merger with ESB Financial Corporation and Appoints Directors Feb 11 2015
ESB FINANCIAL CORP Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Notice of... Feb 10 2015
WesBanco, Inc. Consummates Merger with ESB Financial Corporation and Appoints Directors Feb 10 2015
ESB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2015
ESB Financial Corporation Announces Record Earnings for 2014 Jan 27 2015
ESB FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Other... Jan 23 2015
WesBanco and ESB Financial Announce Shareholders Approve Merger Agreement Jan 22 2015
WesBanco, ESB settle suits ahead of shareholder vote Thursday Jan 21 2015
ESB FINANCIAL CORP Files SEC form 8-K, Other Events Jan 15 2015
ESB Financial executives to get golden parachutes after WesBanco merger Dec 22 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
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

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)
FEEDBACK