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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.11
ESSA's Cash-to-Debt is ranked lower than
93% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.88 vs. ESSA: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
ESSA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: N/A
Current: 0.11
Equity-to-Asset 0.10
ESSA's Equity-to-Asset is ranked lower than
51% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ESSA: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
ESSA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.15 Max: 0.23
Current: 0.1
0.08
0.23
Interest Coverage 0.86
ESSA's Interest Coverage is ranked lower than
68% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. ESSA: 0.86 )
Ranked among companies with meaningful Interest Coverage only.
ESSA' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 0.39 Max: 1.23
Current: 0.86
0.02
1.23
Piotroski F-Score: 4
Beneish M-Score: -2.42
WACC vs ROIC
2.84%
1.52%
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 % 17.98
ESSA's Operating Margin % is ranked lower than
79% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.69 vs. ESSA: 17.98 )
Ranked among companies with meaningful Operating Margin % only.
ESSA' s Operating Margin % Range Over the Past 10 Years
Min: -15.97  Med: 22.09 Max: 29.29
Current: 17.98
-15.97
29.29
Net Margin % 13.69
ESSA's Net Margin % is ranked lower than
76% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.17 vs. ESSA: 13.69 )
Ranked among companies with meaningful Net Margin % only.
ESSA' s Net Margin % Range Over the Past 10 Years
Min: -18.84  Med: 16.41 Max: 19.46
Current: 13.69
-18.84
19.46
ROE % 4.43
ESSA's ROE % is ranked lower than
78% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.35 vs. ESSA: 4.43 )
Ranked among companies with meaningful ROE % only.
ESSA' s ROE % Range Over the Past 10 Years
Min: -3.9  Med: 3.28 Max: 5.78
Current: 4.43
-3.9
5.78
ROA % 0.44
ESSA's ROA % is ranked lower than
74% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. ESSA: 0.44 )
Ranked among companies with meaningful ROA % only.
ESSA' s ROA % Range Over the Past 10 Years
Min: -0.63  Med: 0.53 Max: 0.64
Current: 0.44
-0.63
0.64
3-Year Revenue Growth Rate 8.60
ESSA's 3-Year Revenue Growth Rate is ranked higher than
72% of the 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.90 vs. ESSA: 8.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ESSA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.85 Max: 19.5
Current: 8.6
0
19.5
3-Year EBITDA Growth Rate -1.30
ESSA's 3-Year EBITDA Growth Rate is ranked lower than
70% of the 1158 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. ESSA: -1.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ESSA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -41.2 Max: 103.3
Current: -1.3
0
103.3
3-Year EPS without NRI Growth Rate -1.30
ESSA's 3-Year EPS without NRI Growth Rate is ranked lower than
73% of the 1132 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ESSA: -1.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ESSA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -65.1 Max: 259.6
Current: -1.3
0
259.6
GuruFocus has detected 3 Warning Signs with ESSA Bancorp Inc $ESSA.
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» ESSA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2016

ESSA Guru Trades in Q1 2016

Jim Simons 264,000 sh (+21.60%)
» More
Q2 2016

ESSA Guru Trades in Q2 2016

Jim Simons 323,600 sh (+22.58%)
» More
Q3 2016

ESSA Guru Trades in Q3 2016

Jim Simons 341,000 sh (+5.38%)
» More
Q4 2016

ESSA Guru Trades in Q4 2016

Jim Simons 396,300 sh (+16.22%)
» More
» Details

Insider Trades

Latest Guru Trades with ESSA

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:NAS:GCBC, NAS:LSBG, NAS:SIFI, NAS:ICBK, NAS:RVSB, NAS:TSBK, NAS:PBIP, NAS:PROV, NAS:OFED, NAS:MLVF, OTCBB:NWIN, NAS:HBCP, NAS:FSBK, NAS:FCAP, NAS:SMBC, NAS:HFBC, OTCPK:NASB, NAS:LSBK, NAS:MSBF, AMEX:BKJ » details
ESSA Bancorp Inc is a bank holding company. The Company through its subsidiary ESSA Bank & Trust provides financial services to individuals, families and businesses. ESSA Bank & Trust is a community-oriented savings association.

ESSA Bancorp Inc is a Pennsylvania-chartered stock holding company of ESSA Bank & Trust formed in 2006. ESSA Bank & Trust is a community-oriented savings association. It provides financial services to individuals, families and businesses. ESSA Bank & Trust's business consists of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in residential first mortgage loans (including construction mortgage loans), commercial real estate loans, home equity loans and lines of credit, commercial and consumer loans. It offers a variety of deposit accounts, including checking, savings and certificates of deposits. It also offers asset management and trust services. It also offers investment services through its relationship with Cetera Investment Services LLC, a third party broker/dealer and investment advisor. The Company offers insurance benefit consulting services through its wholly owned subsidiary, ESSA Advisory Services, LLC. The Company originates first mortgage loans for the purchase, construction or refinancing of one- to four-family residential real property. It competes for loans from commercial banks, savings banks, mortgage banking companies, credit unions, leasing companies, insurance companies and other financial service companies. The Company is subject to extensive regulation, supervision, and examination by the Federal Reserve Board, the FDIC and the Department.

Ratios

vs
industry
vs
history
PE Ratio 22.66
ESSA's PE Ratio is ranked lower than
81% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. ESSA: 22.66 )
Ranked among companies with meaningful PE Ratio only.
ESSA' s PE Ratio Range Over the Past 10 Years
Min: 13.06  Med: 26.52 Max: 1039
Current: 22.66
13.06
1039
PE Ratio without NRI 22.66
ESSA's PE Ratio without NRI is ranked lower than
81% of the 1296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.49 vs. ESSA: 22.66 )
Ranked among companies with meaningful PE Ratio without NRI only.
ESSA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.06  Med: 26.52 Max: 1039
Current: 22.66
13.06
1039
Price-to-Owner-Earnings 22.72
ESSA's Price-to-Owner-Earnings is ranked lower than
76% of the 826 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. ESSA: 22.72 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ESSA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.35  Med: 18.89 Max: 799.23
Current: 22.72
7.35
799.23
PB Ratio 1.10
ESSA's PB Ratio is ranked higher than
55% of the 1391 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. ESSA: 1.10 )
Ranked among companies with meaningful PB Ratio only.
ESSA' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 0.88 Max: 1.17
Current: 1.1
0.71
1.17
PS Ratio 3.06
ESSA's PS Ratio is ranked higher than
54% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. ESSA: 3.06 )
Ranked among companies with meaningful PS Ratio only.
ESSA' s PS Ratio Range Over the Past 10 Years
Min: 2.51  Med: 3.36 Max: 14.38
Current: 3.06
2.51
14.38
Price-to-Free-Cash-Flow 8.94
ESSA's Price-to-Free-Cash-Flow is ranked higher than
66% of the 773 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.10 vs. ESSA: 8.94 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ESSA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.36  Med: 11.92 Max: 95.72
Current: 8.94
5.36
95.72
Price-to-Operating-Cash-Flow 8.53
ESSA's Price-to-Operating-Cash-Flow is ranked higher than
63% of the 824 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.79 vs. ESSA: 8.53 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ESSA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.18  Med: 11.4 Max: 43.68
Current: 8.53
5.18
43.68
EV-to-EBIT 53.07
ESSA's EV-to-EBIT is ranked lower than
94% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.64 vs. ESSA: 53.07 )
Ranked among companies with meaningful EV-to-EBIT only.
ESSA' s EV-to-EBIT Range Over the Past 10 Years
Min: -219.1  Med: 52.2 Max: 1341.7
Current: 53.07
-219.1
1341.7
EV-to-EBITDA 49.41
ESSA's EV-to-EBITDA is ranked lower than
95% of the 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.46 vs. ESSA: 49.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
ESSA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -647.8  Med: 47.6 Max: 199.2
Current: 49.41
-647.8
199.2
PEG Ratio 0.86
ESSA's PEG Ratio is ranked higher than
69% of the 731 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.55 vs. ESSA: 0.86 )
Ranked among companies with meaningful PEG Ratio only.
ESSA' s PEG Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.96 Max: 64.14
Current: 0.86
0.58
64.14
Shiller PE Ratio 33.21
ESSA's Shiller PE Ratio is ranked lower than
79% of the 490 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.81 vs. ESSA: 33.21 )
Ranked among companies with meaningful Shiller PE Ratio only.
ESSA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 27.4  Med: 29.66 Max: 34.12
Current: 33.21
27.4
34.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.21
ESSA's Dividend Yield % is ranked lower than
60% of the 2324 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. ESSA: 2.21 )
Ranked among companies with meaningful Dividend Yield % only.
ESSA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.3  Med: 1.86 Max: 2.79
Current: 2.21
0.3
2.79
Dividend Payout Ratio 0.50
ESSA's Dividend Payout Ratio is ranked lower than
76% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. ESSA: 0.50 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ESSA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.37 Max: 10
Current: 0.5
0.21
10
3-Year Dividend Growth Rate 21.60
ESSA's 3-Year Dividend Growth Rate is ranked higher than
76% of the 755 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. ESSA: 21.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ESSA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 35.7
Current: 21.6
0
35.7
Forward Dividend Yield % 2.18
ESSA's Forward Dividend Yield % is ranked lower than
64% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. ESSA: 2.18 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.35
ESSA's 5-Year Yield-on-Cost % is ranked higher than
63% of the 2647 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.35 vs. ESSA: 4.35 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESSA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6  Med: 3.69 Max: 5.54
Current: 4.35
0.6
5.54
3-Year Average Share Buyback Ratio 1.60
ESSA's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 977 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. ESSA: 1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ESSA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 1.5  Med: 8.85 Max: 0
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.20
ESSA's Price-to-Tangible-Book is ranked higher than
52% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. ESSA: 1.20 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ESSA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.74  Med: 0.92 Max: 1.23
Current: 1.2
0.74
1.23
Price-to-Intrinsic-Value-Projected-FCF 0.55
ESSA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
75% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.83 vs. ESSA: 0.55 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ESSA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.49 Max: 0.85
Current: 0.55
0.45
0.85
Price-to-Median-PS-Value 0.91
ESSA's Price-to-Median-PS-Value is ranked higher than
80% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. ESSA: 0.91 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ESSA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.76  Med: 1.01 Max: 4.15
Current: 0.91
0.76
4.15
Price-to-Peter-Lynch-Fair-Value 0.91
ESSA's Price-to-Peter-Lynch-Fair-Value is ranked higher than
64% of the 420 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. ESSA: 0.91 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ESSA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.59  Med: 0.92 Max: 15.51
Current: 0.91
0.59
15.51
Price-to-Graham-Number 1.10
ESSA's Price-to-Graham-Number is ranked lower than
62% of the 1224 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.94 vs. ESSA: 1.10 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ESSA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 1.06 Max: 6.22
Current: 1.1
0.7
6.22
Earnings Yield (Greenblatt) % 1.91
ESSA's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 vs. ESSA: 1.91 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ESSA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.1  Med: 1.8 Max: 4.8
Current: 1.91
0.1
4.8
Forward Rate of Return (Yacktman) % 33.80
ESSA's Forward Rate of Return (Yacktman) % is ranked higher than
87% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.03 vs. ESSA: 33.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ESSA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -1.1  Med: 17.4 Max: 36.1
Current: 33.8
-1.1
36.1

More Statistics

Revenue (TTM) (Mil) $56.30
EPS (TTM) $ 0.72
Beta0.13
Short Percentage of Float0.74%
52-Week Range $12.93 - 16.91
Shares Outstanding (Mil)11.50
» More Articles for ESSA

Headlines

Articles On GuruFocus.com
7 Companies With Wide Margins of Safety and Rising Share Prices Feb 09 2017 
Small Banks Can Lead to Big Dividends Mar 31 2014 
First and Always: Margin of Safety Oct 07 2013 
ESSA Bancorp Inc. (ESSA) President and CEO Gary S Olson sells 12,000 Shares Dec 14 2010 
ESSA Bancorp Inc. Reports Operating Results (10-K) Dec 14 2010 
ESSA Bancorp Inc. (ESSA) Chairman of the Board John E Burrus sells 1,250 Shares Dec 14 2010 
ESSA Bancorp Inc. (ESSA) President and CEO Gary S Olson sells 6,500 Shares Nov 22 2010 
ESSA Bancorp Inc. (ESSA) Chairman of the Board John E Burrus sells 1,100 Shares Jun 15 2010 
ESSA Bancorp Inc. Reports Operating Results (10-K) Dec 11 2009 
ESSA Bancorp Inc. (ESSA) Chairman of the Board John E Burrus sells 1,150 Shares Dec 08 2009 

More From Other Websites
ESSA BANCORP, INC. Financials Feb 15 2017
ESSA BANCORP, INC. Files SEC form 10-Q, Quarterly Report Feb 09 2017
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ESSA Bancorp, Inc. :ESSA-US: Earnings Analysis: Q1, 2017 By the Numbers : February 1, 2017 Feb 01 2017
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 26 2017
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ESSA Bancorp, Inc. Announces Fiscal 2017 First Quarter Financial Results Jan 25 2017
ETFs with exposure to ESSA Bancorp, Inc. : January 19, 2017 Jan 19 2017
ESSA Bancorp, Inc. :ESSA-US: Earnings Analysis: 2016 By the Numbers : January 12, 2017 Jan 12 2017
ESSA BANCORP, INC. Files SEC form 10-K, Annual Report Dec 14 2016
ESSA Bancorp, Inc. Declares Quarterly Dividend Nov 22 2016
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 22 2016
ESSA Bancorp, Inc. Declares Quarterly Dividend Nov 22 2016
Local Bank Rings in Centennial Anniversary at NASDAQ Nov 16 2016
ETF’s with exposure to ESSA Bancorp, Inc. : October 31, 2016 Oct 31 2016
ESSA Bancorp, Inc. :ESSA-US: Earnings Analysis: Q4, 2016 By the Numbers : October 28, 2016 Oct 28 2016
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2016
ESSA Bancorp, Inc. Announces Fiscal 2016 Fourth Quarter and Full-Year Financial Results Oct 26 2016
ESSA BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Oct 26 2016

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