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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
94% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. ESSA: 0.08 )
Ranked among companies with meaningful Cash to Debt only.
ESSA' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.07 Max: No Debt
Current: 0.08
Equity to Asset 0.10
ESSA's Equity to Asset is ranked lower than
53% of the 1578 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: 0.12 Max: 0.23
Current: 0.1
0.08
0.23
Interest Coverage 1.13
ESSA's Interest Coverage is ranked lower than
62% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. ESSA: 1.13 )
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: 1.13
0.02
1.23
F-Score: 5
WACC vs ROIC
2.73%
1.99%
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 (%) 22.85
ESSA's Operating margin (%) is ranked lower than
70% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. ESSA: 22.85 )
Ranked among companies with meaningful Operating margin (%) only.
ESSA' s Operating margin (%) Range Over the Past 10 Years
Min: -191.94  Med: 22.09 Max: 29.29
Current: 22.85
-191.94
29.29
Net-margin (%) 17.69
ESSA's Net-margin (%) is ranked lower than
67% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. ESSA: 17.69 )
Ranked among companies with meaningful Net-margin (%) only.
ESSA' s Net-margin (%) Range Over the Past 10 Years
Min: -18.84  Med: 18.16 Max: 67.96
Current: 17.69
-18.84
67.96
ROE (%) 5.35
ESSA's ROE (%) is ranked lower than
71% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. ESSA: 5.35 )
Ranked among companies with meaningful ROE (%) only.
ESSA' s ROE (%) Range Over the Past 10 Years
Min: -3.9  Med: 3.28 Max: 7.02
Current: 5.35
-3.9
7.02
ROA (%) 0.56
ESSA's ROA (%) is ranked lower than
68% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. ESSA: 0.56 )
Ranked among companies with meaningful ROA (%) only.
ESSA' s ROA (%) Range Over the Past 10 Years
Min: -0.63  Med: 0.58 Max: 0.64
Current: 0.56
-0.63
0.64
Revenue Growth (3Y)(%) 14.80
ESSA's Revenue Growth (3Y)(%) is ranked higher than
85% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. ESSA: 14.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ESSA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.05 Max: 16.3
Current: 14.8
0
16.3
EBITDA Growth (3Y)(%) 103.80
ESSA's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. ESSA: 103.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ESSA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -41.30 Max: 103.8
Current: 103.8
0
103.8
EPS Growth (3Y)(%) 265.70
ESSA's EPS Growth (3Y)(%) is ranked higher than
99% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. ESSA: 265.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ESSA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -65.70 Max: 265.7
Current: 265.7
0
265.7
» ESSA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

ESSA Guru Trades in Q4 2014

Jim Simons 149,498 sh (+16.43%)
Charles Brandes 25,445 sh (-2.73%)
» More
Q1 2015

ESSA Guru Trades in Q1 2015

Jim Simons 163,700 sh (+9.50%)
Charles Brandes 26,010 sh (+2.22%)
» More
Q2 2015

ESSA Guru Trades in Q2 2015

Charles Brandes 35,940 sh (+38.18%)
Jim Simons 180,711 sh (+10.39%)
» More
Q3 2015

ESSA Guru Trades in Q3 2015

Jim Simons 202,823 sh (+12.24%)
Charles Brandes Sold Out
» 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) 14.40
ESSA's P/E(ttm) is ranked lower than
62% of the 1403 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. ESSA: 14.40 )
Ranked among companies with meaningful P/E(ttm) only.
ESSA' s P/E(ttm) Range Over the Past 10 Years
Min: 13.18  Med: 28.55 Max: 371.07
Current: 14.4
13.18
371.07
Forward P/E 11.24
ESSA's Forward P/E is ranked lower than
57% of the 703 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.52 vs. ESSA: 11.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.30
ESSA's PE(NRI) is ranked lower than
62% of the 1401 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.40 vs. ESSA: 14.30 )
Ranked among companies with meaningful PE(NRI) only.
ESSA' s PE(NRI) Range Over the Past 10 Years
Min: 13.2  Med: 28.49 Max: 346.33
Current: 14.3
13.2
346.33
P/B 0.89
ESSA's P/B is ranked higher than
59% of the 1542 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. ESSA: 0.89 )
Ranked among companies with meaningful P/B only.
ESSA' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 0.88 Max: 1.17
Current: 0.89
0.71
1.17
P/S 2.72
ESSA's P/S is ranked higher than
52% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.81 vs. ESSA: 2.72 )
Ranked among companies with meaningful P/S only.
ESSA' s P/S Range Over the Past 10 Years
Min: 2.48  Med: 3.64 Max: 20
Current: 2.72
2.48
20
PFCF 7.62
ESSA's PFCF is ranked higher than
58% of the 937 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.36 vs. ESSA: 7.62 )
Ranked among companies with meaningful PFCF only.
ESSA' s PFCF Range Over the Past 10 Years
Min: 5.32  Med: 12.58 Max: 101.62
Current: 7.62
5.32
101.62
POCF 7.29
ESSA's POCF is ranked higher than
55% of the 1036 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.10 vs. ESSA: 7.29 )
Ranked among companies with meaningful POCF only.
ESSA' s POCF Range Over the Past 10 Years
Min: 5.13  Med: 11.42 Max: 24.62
Current: 7.29
5.13
24.62
EV-to-EBIT 35.39
ESSA's EV-to-EBIT is ranked lower than
88% of the 1384 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.68 vs. ESSA: 35.39 )
Ranked among companies with meaningful EV-to-EBIT only.
ESSA' s EV-to-EBIT Range Over the Past 10 Years
Min: -221.3  Med: 55.75 Max: 1367.5
Current: 35.39
-221.3
1367.5
EV-to-EBITDA 33.71
ESSA's EV-to-EBITDA is ranked lower than
89% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.31 vs. ESSA: 33.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
ESSA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -661.2  Med: 50.55 Max: 203.1
Current: 33.71
-661.2
203.1
PEG 0.64
ESSA's PEG is ranked higher than
64% of the 618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. ESSA: 0.64 )
Ranked among companies with meaningful PEG only.
ESSA' s PEG Range Over the Past 10 Years
Min: 0.58  Med: 1.28 Max: 172.17
Current: 0.64
0.58
172.17
Shiller P/E 29.96
ESSA's Shiller P/E is ranked lower than
84% of the 520 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.90 vs. ESSA: 29.96 )
Ranked among companies with meaningful Shiller P/E only.
ESSA' s Shiller P/E Range Over the Past 10 Years
Min: 28.56  Med: 30.16 Max: 31.12
Current: 29.96
28.56
31.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.70
ESSA's Dividend Yield is ranked lower than
57% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. ESSA: 2.70 )
Ranked among companies with meaningful Dividend Yield only.
ESSA' s Dividend Yield Range Over the Past 10 Years
Min: 0.3  Med: 1.82 Max: 2.64
Current: 2.7
0.3
2.64
Dividend Payout 0.37
ESSA's Dividend Payout is ranked lower than
56% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. ESSA: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
ESSA' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.36 Max: 10
Current: 0.37
0.21
10
Dividend Growth (3y) 19.30
ESSA's Dividend Growth (3y) is ranked higher than
79% of the 730 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.00 vs. ESSA: 19.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ESSA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 35.7
Current: 19.3
0
35.7
Forward Dividend Yield 2.70
ESSA's Forward Dividend Yield is ranked lower than
61% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. ESSA: 2.70 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.39
ESSA's Yield on cost (5-Year) is ranked higher than
61% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. ESSA: 4.39 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ESSA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.49  Med: 2.97 Max: 4.39
Current: 4.39
0.49
4.39
3-Year Average Share Buyback Ratio 1.60
ESSA's 3-Year Average Share Buyback Ratio is ranked higher than
90% of the 1061 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: -5.1  Med: 8.90 Max: 0
Current: 1.6
-5.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
ESSA's Price/Tangible Book is ranked higher than
56% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.07 vs. ESSA: 0.99 )
Ranked among companies with meaningful Price/Tangible Book only.
ESSA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.8  Med: 0.92 Max: 1.17
Current: 0.99
0.8
1.17
Price/Projected FCF 0.47
ESSA's Price/Projected FCF is ranked higher than
70% of the 850 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. ESSA: 0.47 )
Ranked among companies with meaningful Price/Projected FCF only.
ESSA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.46 Max: 0.62
Current: 0.47
0.45
0.62
Price/Median PS Value 0.75
ESSA's Price/Median PS Value is ranked higher than
80% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.98 vs. ESSA: 0.75 )
Ranked among companies with meaningful Price/Median PS Value only.
ESSA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.69  Med: 0.94 Max: 2.43
Current: 0.75
0.69
2.43
Price/Peter Lynch Fair Value 0.60
ESSA's Price/Peter Lynch Fair Value is ranked higher than
70% of the 429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. ESSA: 0.60 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ESSA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.58  Med: 1.10 Max: 24.16
Current: 0.6
0.58
24.16
Price/Graham Number 0.78
ESSA's Price/Graham Number is ranked lower than
51% of the 1277 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. ESSA: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
ESSA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.7  Med: 1.03 Max: 4.52
Current: 0.78
0.7
4.52
Earnings Yield (Greenblatt) (%) 2.80
ESSA's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ESSA: 2.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ESSA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.1  Med: 1.70 Max: 4.9
Current: 2.8
0.1
4.9
Forward Rate of Return (Yacktman) (%) 32.21
ESSA's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. ESSA: 32.21 )
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: -0.7  Med: 8.70 Max: 33.4
Current: 32.21
-0.7
33.4

More Statistics

Revenue(Mil) $52
EPS $ 0.87
Beta0.12
Short Percentage of Float0.09%
52-Week Range $11.98 - 13.92
Shares Outstanding(Mil)11.33

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 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.
» 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 

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