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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

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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

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» ESBK's 10-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:BVBC, OTCPK:AVLY, OTCPK:HLND, OTCPK:SABK, OTCPK:CNAF, NAS:SSFN, AMEX:SGB, NAS:PNBK, NAS:HMTA, NAS:EMCF, OTCPK:CBCO, OTCPK:MYBF, OTCPK:LDKB, NAS:SSBI, NAS:WEBK, OTCPK:PBCA, NAS:HBK, OTCPK:HBSI, NAS:UBCP, OTCPK:CMOH » details
Elmira Savings Bank Elmira NY formerly Elmira Savings Bank operates as a community bank that offers products and services, including savings and time accounts, personal checking, loans and business banking.

Elmira Savings Bank operates as an independent community bank serving consumers and businesses in the central region of New York State. The company provides personal and business banking. It offers individuals checking, savings, certificates of deposit, retirement accounts, auto and RV loans, home equity loans, personal loans and eBanking and Web BillPay. It offers business customers business lending, checking and savings, merchant services and online cash management. Elmira serves its customers through its branch offices in the central New York State region.

Ratios

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Dividend & Buy Back

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Dividend Yield % 4.28
ESBK's Dividend Yield % is ranked higher than
77% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. ESBK: 4.28 )
Ranked among companies with meaningful Dividend Yield % only.
ESBK' s Dividend Yield % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.32
Current: 4.28
0
4.32
Dividend Payout Ratio 0.93
ESBK's Dividend Payout Ratio is ranked lower than
94% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ESBK: 0.93 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ESBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.93
Current: 0.93
0
0.93
Forward Dividend Yield % 4.28
ESBK's Forward Dividend Yield % is ranked higher than
74% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. ESBK: 4.28 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.28
ESBK's 5-Year Yield-on-Cost % is ranked higher than
63% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. ESBK: 4.28 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 4.32
Current: 4.28
0
4.32

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $20.17
EPS (TTM) $ 0.99
Beta0.21
Short Percentage of Float0.09%
52-Week Range $18.01 - 22.25
Shares Outstanding (Mil)2.71

Analyst Estimate

Dec15
Revenue (Mil $)
EPS ($) 1.78
EPS without NRI ($) 1.78
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

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