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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.08
ESSA's Cash to Debt is ranked lower than
52% of the 1688 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. ESSA: 0.08 )
ESSA' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.55
Current: 0.08

0.02
0.55
Equity to Asset 0.11
ESSA's Equity to Asset is ranked higher than
77% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. ESSA: 0.11 )
ESSA' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.23
Current: 0.11

0.08
0.23
Interest Coverage 1.07
ESSA's Interest Coverage is ranked higher than
65% of the 2143 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. ESSA: 1.07 )
ESSA' s 10-Year Interest Coverage Range
Min: 0.02   Max: 1.07
Current: 1.07

0.02
1.07
F-Score: 6
Z-Score: 0.21
WACC vs ROIC
3.27%
2.48%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 24.79
ESSA's Operating margin (%) is ranked higher than
66% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. ESSA: 24.79 )
ESSA' s 10-Year Operating margin (%) Range
Min: -191.94   Max: 29.29
Current: 24.79

-191.94
29.29
Net-margin (%) 18.45
ESSA's Net-margin (%) is ranked higher than
67% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.29 vs. ESSA: 18.45 )
ESSA' s 10-Year Net-margin (%) Range
Min: -18.84   Max: 67.96
Current: 18.45

-18.84
67.96
ROE (%) 5.40
ESSA's ROE (%) is ranked higher than
60% of the 2336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. ESSA: 5.40 )
ESSA' s 10-Year ROE (%) Range
Min: -3.9   Max: 8.51
Current: 5.4

-3.9
8.51
ROA (%) 0.61
ESSA's ROA (%) is ranked higher than
64% of the 2341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. ESSA: 0.61 )
ESSA' s 10-Year ROA (%) Range
Min: -0.63   Max: 0.74
Current: 0.61

-0.63
0.74
ROC (Joel Greenblatt) (%) 18.74
ESSA's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.52 vs. ESSA: 18.74 )
ESSA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -42.33   Max: 88.9
Current: 18.74

-42.33
88.9
Revenue Growth (3Y)(%) 12.70
ESSA's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1994 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. ESSA: 12.70 )
ESSA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 16.3
Current: 12.7

0
16.3
EBITDA Growth (3Y)(%) 20.00
ESSA's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1809 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. ESSA: 20.00 )
ESSA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 25.6
Current: 20

0
25.6
EPS Growth (3Y)(%) 19.80
ESSA's EPS Growth (3Y)(%) is ranked higher than
85% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. ESSA: 19.80 )
ESSA' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 28.3
Current: 19.8

0
28.3
» ESSA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

ESSA Guru Trades in Q1 2014

Jim Simons 123,203 sh (+1.74%)
Charles Brandes 26,610 sh (+1.14%)
» More
Q2 2014

ESSA Guru Trades in Q2 2014

Jim Simons 130,900 sh (+6.25%)
Charles Brandes 27,065 sh (+1.71%)
» More
Q3 2014

ESSA Guru Trades in Q3 2014

Jim Simons 128,400 sh (-1.91%)
Charles Brandes 26,160 sh (-3.34%)
» More
Q4 2014

ESSA Guru Trades in Q4 2014

Jim Simons 149,498 sh (+16.43%)
Charles Brandes 25,445 sh (-2.73%)
» More
» Details

Insider Trades

Latest Guru Trades with ESSA

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

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Ratios

vs
industry
vs
history
P/E(ttm) 15.00
ESSA's P/E(ttm) is ranked higher than
75% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. ESSA: 15.00 )
ESSA' s 10-Year P/E(ttm) Range
Min: 13.51   Max: 371.07
Current: 15

13.51
371.07
Forward P/E 11.24
ESSA's Forward P/E is ranked higher than
83% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 11.24 )
N/A
PE(NRI) 15.20
ESSA's PE(NRI) is ranked higher than
78% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.30 vs. ESSA: 15.20 )
ESSA' s 10-Year PE(NRI) Range
Min: 13.5   Max: 346.33
Current: 15.2

13.5
346.33
P/B 0.90
ESSA's P/B is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. ESSA: 0.90 )
ESSA' s 10-Year P/B Range
Min: 0.71   Max: 1.17
Current: 0.9

0.71
1.17
P/S 2.78
ESSA's P/S is ranked higher than
71% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.75 vs. ESSA: 2.78 )
ESSA' s 10-Year P/S Range
Min: 2.48   Max: 20
Current: 2.78

2.48
20
PFCF 9.80
ESSA's PFCF is ranked higher than
85% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 9.80 )
ESSA' s 10-Year PFCF Range
Min: 5.32   Max: 101.62
Current: 9.8

5.32
101.62
POCF 9.38
ESSA's POCF is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 79.62 vs. ESSA: 9.38 )
ESSA' s 10-Year POCF Range
Min: 5.13   Max: 24.62
Current: 9.38

5.13
24.62
EV-to-EBIT 32.88
ESSA's EV-to-EBIT is ranked higher than
64% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.51 vs. ESSA: 32.88 )
ESSA' s 10-Year EV-to-EBIT Range
Min: -221.3   Max: 1367.5
Current: 32.88

-221.3
1367.5
PEG 1.62
ESSA's PEG is ranked higher than
89% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 1.62 )
ESSA' s 10-Year PEG Range
Min: 0.74   Max: 62.29
Current: 1.62

0.74
62.29
Shiller P/E 24.90
ESSA's Shiller P/E is ranked higher than
81% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 24.90 )
ESSA' s 10-Year Shiller P/E Range
Min: 22.38   Max: 43.29
Current: 24.9

22.38
43.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.35
ESSA's Dividend Yield is ranked lower than
51% of the 2176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. ESSA: 2.35 )
ESSA' s 10-Year Dividend Yield Range
Min: 0.3   Max: 2.43
Current: 2.35

0.3
2.43
Dividend Payout 0.33
ESSA's Dividend Payout is ranked higher than
79% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. ESSA: 0.33 )
ESSA' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.83
Current: 0.33

0.21
0.83
Dividend growth (3y) 9.10
ESSA's Dividend growth (3y) is ranked higher than
80% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. ESSA: 9.10 )
ESSA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 9.1

0
35.7
Yield on cost (5-Year) 3.12
ESSA's Yield on cost (5-Year) is ranked higher than
58% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.75 vs. ESSA: 3.12 )
ESSA' s 10-Year Yield on cost (5-Year) Range
Min: 0.41   Max: 3.3
Current: 3.12

0.41
3.3
Share Buyback Rate 2.00
ESSA's Share Buyback Rate is ranked higher than
92% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. ESSA: 2.00 )
ESSA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -5.1
Current: 2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
ESSA's Price/Tangible Book is ranked higher than
88% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. ESSA: 0.90 )
ESSA' s 10-Year Price/Tangible Book Range
Min: 0.74   Max: 1.14
Current: 0.9

0.74
1.14
Price/DCF (Projected) 0.50
ESSA's Price/DCF (Projected) is ranked higher than
92% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 0.50 )
ESSA' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 0.74
Current: 0.5

0.45
0.74
Price/Median PS Value 0.70
ESSA's Price/Median PS Value is ranked higher than
97% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. ESSA: 0.70 )
ESSA' s 10-Year Price/Median PS Value Range
Min: 0.59   Max: 4.57
Current: 0.7

0.59
4.57
Price/Peter Lynch Fair Value 0.90
ESSA's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. ESSA: 0.90 )
ESSA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.82   Max: 61.12
Current: 0.9

0.82
61.12
Price/Graham Number 0.80
ESSA's Price/Graham Number is ranked higher than
83% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ESSA: 0.80 )
ESSA' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 4.88
Current: 0.8

0.71
4.88
Earnings Yield (Greenblatt) 3.10
ESSA's Earnings Yield (Greenblatt) is ranked higher than
52% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ESSA: 3.10 )
ESSA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 4.9
Current: 3.1

0.1
4.9
Forward Rate of Return (Yacktman) 25.09
ESSA's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. ESSA: 25.09 )
ESSA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.3   Max: 44.9
Current: 25.09

-2.3
44.9

Analyst Estimate

Sep15
EPS($) 1.00
EPS without NRI($) 1.00

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
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 our relationship with Cetera Investment Services LLC, a third party broker/dealer and investment advisor. The Company offers insurance benefit consulting services through our 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.
» More Articles for ESSA

Headlines

Articles On GuruFocus.com
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 
Guru Stocks Raising Dividends: Verizon Communications Inc., Alliance Financial Corporation, Guess?, Sep 13 2009 

More From Other Websites
ESSA BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Mar 10 2015
ESSA BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Mar 05 2015
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 02 2015
ESSA Bancorp, Inc. Declares Quarterly Dividend, Increases Payment to Nine Cents per Share Feb 27 2015
ESSA BANCORP, INC. Financials Feb 14 2015
10-Q for ESSA Bancorp, Inc. Feb 11 2015
ESSA BANCORP, INC. Files SEC form 10-Q, Quarterly Report Feb 09 2015
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 29 2015
ESSA Bancorp, Inc. Announces Fiscal First Quarter 2015 Financial Results Jan 28 2015
ESSA BANCORP, INC. Files SEC form 10-K, Annual Report Dec 15 2014
ESSA Bancorp, Inc. Declares Quarterly Dividend Dec 02 2014
ESSA Bancorp, Inc. Declares Quarterly Dividend Dec 02 2014
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 21 2014
ESSA Bancorp, Inc. Becomes a Bank Holding Company Nov 19 2014
ESSA Bancorp, Inc. Becomes a Bank Holding Company Nov 19 2014
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 30 2014
ESSA Bancorp, Inc. Announces Fiscal Fourth Quarter, Year-End 2014 Financial Results Oct 29 2014
ESSA Bancorp, Inc. Announces Fiscal Fourth Quarter, Year-End 2014 Financial Results Oct 29 2014
Exclusive: ESSA Bancorp CEO Gary Olson On Everything From M&A To Shareholders Oct 14 2014
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 04 2014

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