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12.29 (1y: +15%)
Market Cap 218 M P/E(ttm) 14.60
Enterprise Value 526.38 M P/B 1.10
ESBF- NAS (USA)
ESB Financial Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$12.29
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.058
ESBF's Cash to Debt is ranked lower than
84% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. ESBF: 0.058 )
ESBF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.06
Current: 0.06
0.02
0.06
Equity to Asset 0.08
ESBF's Equity to Asset is ranked lower than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ESBF: 0.08 )
ESBF' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.08
Current: 0.08
0.04
0.08
Interest Coverage No Debt
ESBF's Interest Coverage is ranked lower than
71% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. ESBF: No Debt )
ESBF' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.28
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 37.80
ESBF's Operating margin (%) is ranked higher than
81% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. ESBF: 37.80 )
ESBF' s 10-Year Operating margin (%) Range
Min: 26.9   Max: 39.7
Current: 37.8
26.9
39.7
Net-margin (%) 29.5
ESBF's Net-margin (%) is ranked higher than
86% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. ESBF: 29.5 )
ESBF' s 10-Year Net-margin (%) Range
Min: 23.8   Max: 32.7
Current: 29.5
23.8
32.7
ROE (%) 7.6
ESBF's ROE (%) is ranked higher than
60% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. ESBF: 7.6 )
ESBF' s 10-Year ROE (%) Range
Min: 5.8   Max: 11.6
Current: 7.6
5.8
11.6
ROA (%) 0.8
ESBF's ROA (%) is ranked higher than
58% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESBF: 0.8 )
ESBF' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.8
Current: 0.8
0.4
0.8
Revenue Growth (%) 4.7
ESBF's Revenue Growth (%) is ranked higher than
85% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. ESBF: 4.7 )
ESBF' s 10-Year Revenue Growth (%) Range
Min: -4.2   Max: 11.3
Current: 4.7
-4.2
11.3
EBITDA Growth (%) 7.1
ESBF's EBITDA Growth (%) is ranked higher than
82% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. ESBF: 7.1 )
ESBF' s 10-Year EBITDA Growth (%) Range
Min: -10.5   Max: 14.6
Current: 7.1
-10.5
14.6
EPS Growth (%) 5.4
ESBF's EPS Growth (%) is ranked higher than
78% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. ESBF: 5.4 )
ESBF' s 10-Year EPS Growth (%) Range
Min: -10.2   Max: 17.9
Current: 5.4
-10.2
17.9
ยป ESBF's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

ESBF Guru Trades in Q2 2012

Jim Simons 10,300 sh (New)
» More
Q3 2012

ESBF Guru Trades in Q3 2012

Jim Simons 10,560 sh (+2.52%)
» More
Q4 2012

ESBF Guru Trades in Q4 2012

Jim Simons 12,260 sh (+16.1%)
» More
Q1 2013

ESBF Guru Trades in Q1 2013

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

Insider Trades

Latest Guru Trades with ESBF



No Insider Trades Found!

Ratios

vs
industry		 vs
history
P/E(ttm) 14.60
ESBF's P/E(ttm) is ranked higher than
60% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. ESBF: 14.60 )
ESBF' s 10-Year P/E(ttm) Range
Min: 7.84   Max: 20.86
Current: 14.6
7.84
20.86
P/B 1.10
ESBF's P/B is ranked lower than
54% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. ESBF: 1.10 )
ESBF' s 10-Year P/B Range
Min: 0.76   Max: 1.89
Current: 1.1
0.76
1.89
P/S 4.30
ESBF's P/S is ranked lower than
84% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. ESBF: 4.30 )
ESBF' s 10-Year P/S Range
Min: 2.4   Max: 6.69
Current: 4.3
2.4
6.69
PFCF 8.00
ESBF's PFCF is ranked lower than
51% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. ESBF: 8.00 )
ESBF' s 10-Year PFCF Range
Min: 2.02   Max: 31.78
Current: 8
2.02
31.78
EV-to-EBIT 27.8
ESBF's EV-to-EBIT is ranked lower than
61% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. ESBF: 27.8 )
ESBF' s 10-Year EV-to-EBIT Range
Min: 22.5   Max: 118.8
Current: 27.8
22.5
118.8
PEG 1.3
ESBF's PEG is ranked higher than
94% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. ESBF: 1.3 )
ESBF' s 10-Year PEG Range
Min: 0.81   Max: 18.28
Current: 1.3
0.81
18.28
Shiller P/E 16.2
ESBF's Shiller P/E is ranked higher than
70% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. ESBF: 16.2 )
ESBF' s 10-Year Shiller P/E Range
Min: 9.68   Max: 19.51
Current: 16.2
9.68
19.51

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.80
ESBF's Dividend Yield is ranked higher than
80% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. ESBF: 2.80 )
ESBF' s 10-Year Dividend Yield Range
Min: 1.75   Max: 4.68
Current: 2.8
1.75
4.68
Dividend Payout 0.391
ESBF's Dividend Payout is ranked higher than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.42 vs. ESBF: 0.391 )
ESBF' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.66
Current: 0.39
0.26
0.66
Dividend growth (3y) 4.6
ESBF's Dividend growth (3y) is ranked higher than
93% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -21.50 vs. ESBF: 4.6 )
ESBF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 20.1
Current: 4.6
0
20.1
Yield on cost (5-Year) 3.59
ESBF's Yield on cost (5-Year) is ranked higher than
83% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. ESBF: 3.59 )
ESBF' s 10-Year Yield on cost (5-Year) Range
Min: 2.24   Max: 6
Current: 3.59
2.24
6
Share Buyback Rate -0.1
ESBF's Share Buyback Rate is ranked lower than
87% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.75 vs. ESBF: -0.1 )
ESBF' s 10-Year Share Buyback Rate Range
Min: 1.6   Max: -5.3
Current: -0.1

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.4
ESBF's Price/Tangible Book is ranked higher than
80% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ESBF: 1.4 )
ESBF' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.9
Current: 1.4
0.8
1.9
Price/DCF (Projected) 0.5
ESBF's Price/DCF (Projected) is ranked higher than
67% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. ESBF: 0.5 )
ESBF' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 0.6
Current: 0.5
0.4
0.6
Price/Median PS Value 1.1
ESBF's Price/Median PS Value is ranked higher than
81% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESBF: 1.1 )
ESBF' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.6
Current: 1.1
0.6
1.6
Price/Peter Lynch Fair Value 1.3
ESBF's Price/Peter Lynch Fair Value is ranked higher than
96% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ESBF: 1.3 )
ESBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1   Max: 2.2
Current: 1.3
1
2.2
Price/Graham Number 0.9
ESBF's Price/Graham Number is ranked higher than
76% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESBF: 0.9 )
ESBF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.3
Current: 0.9
0.6
1.3
Earnings Yield (Greenblatt) 3.60
ESBF's Earnings Yield (Greenblatt) is ranked higher than
50% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. ESBF: 3.60 )
ESBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 4.4
Current: 3.6
0.8
4.4
Forward Rate of Return (Yacktman) 17.75
ESBF's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. ESBF: 17.75 )
ESBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.2   Max: 28.3
Current: 17.75
-0.2
28.3

Business Description

ESB Financial Corporation 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 (the Bank). The Company is also the parent company of ESB Capital Trust II (the Trust II), ESB Statutory Trust III (the Trust III) and ESB Capital Trust IV (the Trust IV), which are Delaware statutory business trusts established to facilitate the issuance of trust preferred securities to the public by the Company, and THF, Inc., a Pennsylvania corporation established as a title agency to provide residential and commercial loan closing services and title closing services. ESB 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 principal 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. In addition, the Company utilizes borrowed funds, primarily advances from the Federal Home Loan Bank (FHLB) of Pittsburgh and repurchase agreements, to fund the Company's investing activities. The Company invests in securities issued by the U.S. government and agencies and other investments permitted by federal law and regulations. The Company's lending activities are conducted through the bank. The Company's loan origination activities have mainly involved the origination of single-family residential loans and, to a lesser extent, multi-family residential mortgage loans, mainly secured by properties in the company's market area. In addition, the company has in recent years increased its involvement in the origination of other types of loans within its main market area. These loans include construction loans, commercial real estate loans, commercial business loans and a variety of consumer loans. The company's main market area includes Allegheny, Beaver, Butler, and Lawrence counties in Western Pennsylvania.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK
ยป More Articles for ESBF

Headlines

Articles On GuruFocus.com
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 

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