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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 0.06
ESSA's Cash to Debt is ranked lower than
96% of the 972 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. ESSA: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
ESSA' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.55
Current: 0.06

0.02
0.55
Equity to Asset 0.11
ESSA's Equity to Asset is ranked higher than
56% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. ESSA: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
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 lower than
62% of the 1198 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.67 vs. ESSA: 1.07 )
Ranked among companies with meaningful Interest Coverage only.
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: 0.22
WACC vs ROIC
3.30%
2.57%
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 (%) 26.10
ESSA's Operating margin (%) is ranked lower than
58% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. ESSA: 26.10 )
Ranked among companies with meaningful Operating margin (%) only.
ESSA' s 10-Year Operating margin (%) Range
Min: -191.94   Max: 29.29
Current: 26.1

-191.94
29.29
Net-margin (%) 19.46
ESSA's Net-margin (%) is ranked lower than
56% of the 1348 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. ESSA: 19.46 )
Ranked among companies with meaningful Net-margin (%) only.
ESSA' s 10-Year Net-margin (%) Range
Min: -18.84   Max: 67.96
Current: 19.46

-18.84
67.96
ROE (%) 5.91
ESSA's ROE (%) is ranked lower than
66% of the 1345 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.28 vs. ESSA: 5.91 )
Ranked among companies with meaningful ROE (%) only.
ESSA' s 10-Year ROE (%) Range
Min: -3.9   Max: 8.51
Current: 5.91

-3.9
8.51
ROA (%) 0.66
ESSA's ROA (%) is ranked lower than
61% of the 1352 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. ESSA: 0.66 )
Ranked among companies with meaningful ROA (%) only.
ESSA' s 10-Year ROA (%) Range
Min: -0.63   Max: 0.74
Current: 0.66

-0.63
0.74
ROC (Joel Greenblatt) (%) 16.70
ESSA's ROC (Joel Greenblatt) (%) is ranked lower than
81% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.42 vs. ESSA: 16.70 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ESSA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -42.33   Max: 88.9
Current: 16.7

-42.33
88.9
Revenue Growth (3Y)(%) 12.70
ESSA's Revenue Growth (3Y)(%) is ranked higher than
84% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. ESSA: 12.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
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
80% of the 985 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. ESSA: 20.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
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
73% of the 1001 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. ESSA: 19.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
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

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
Q1 2015

ESSA Guru Trades in Q1 2015

Jim Simons 163,700 sh (+9.50%)
Charles Brandes 26,010 sh (+2.22%)
» 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) 13.50
ESSA's P/E(ttm) is ranked higher than
55% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. ESSA: 13.50 )
Ranked among companies with meaningful P/E(ttm) only.
ESSA' s 10-Year P/E(ttm) Range
Min: 13.42   Max: 371.07
Current: 13.5

13.42
371.07
Forward P/E 11.24
ESSA's Forward P/E is ranked higher than
59% of the 1302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.03 vs. ESSA: 11.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.90
ESSA's PE(NRI) is ranked higher than
51% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. ESSA: 13.90 )
Ranked among companies with meaningful PE(NRI) only.
ESSA' s 10-Year PE(NRI) Range
Min: 13.45   Max: 346.33
Current: 13.9

13.45
346.33
P/B 0.90
ESSA's P/B is ranked higher than
68% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ESSA: 0.90 )
Ranked among companies with meaningful P/B only.
ESSA' s 10-Year P/B Range
Min: 0.71   Max: 1.17
Current: 0.9

0.71
1.17
P/S 2.60
ESSA's P/S is ranked higher than
57% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. ESSA: 2.60 )
Ranked among companies with meaningful P/S only.
ESSA' s 10-Year P/S Range
Min: 2.48   Max: 20
Current: 2.6

2.48
20
PFCF 9.30
ESSA's PFCF is ranked higher than
56% of the 1098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.80 vs. ESSA: 9.30 )
Ranked among companies with meaningful PFCF only.
ESSA' s 10-Year PFCF Range
Min: 5.32   Max: 101.62
Current: 9.3

5.32
101.62
POCF 8.76
ESSA's POCF is ranked higher than
53% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.34 vs. ESSA: 8.76 )
Ranked among companies with meaningful POCF only.
ESSA' s 10-Year POCF Range
Min: 5.13   Max: 24.62
Current: 8.76

5.13
24.62
EV-to-EBIT 31.29
ESSA's EV-to-EBIT is ranked lower than
83% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.33 vs. ESSA: 31.29 )
Ranked among companies with meaningful EV-to-EBIT only.
ESSA' s 10-Year EV-to-EBIT Range
Min: -221.3   Max: 1367.5
Current: 31.29

-221.3
1367.5
PEG 1.48
ESSA's PEG is ranked lower than
62% of the 513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. ESSA: 1.48 )
Ranked among companies with meaningful PEG only.
ESSA' s 10-Year PEG Range
Min: 0.64   Max: 62.29
Current: 1.48

0.64
62.29
Shiller P/E 23.70
ESSA's Shiller P/E is ranked lower than
73% of the 1018 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.02 vs. ESSA: 23.70 )
Ranked among companies with meaningful Shiller P/E only.
ESSA' s 10-Year Shiller P/E Range
Min: 22.38   Max: 43.29
Current: 23.7

22.38
43.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
ESSA's Dividend Yield is ranked lower than
56% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. ESSA: 2.40 )
Ranked among companies with meaningful Dividend Yield only.
ESSA' s 10-Year Dividend Yield Range
Min: 0.3   Max: 2.43
Current: 2.4

0.3
2.43
Dividend Payout 0.32
ESSA's Dividend Payout is ranked higher than
51% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. ESSA: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
ESSA' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.83
Current: 0.32

0.21
0.83
Dividend growth (3y) 9.10
ESSA's Dividend growth (3y) is ranked higher than
56% of the 623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. ESSA: 9.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
ESSA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 35.7
Current: 9.1

0
35.7
Yield on cost (5-Year) 3.26
ESSA's Yield on cost (5-Year) is ranked higher than
52% of the 2100 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. ESSA: 3.26 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ESSA' s 10-Year Yield on cost (5-Year) Range
Min: 0.41   Max: 3.3
Current: 3.26

0.41
3.3
Share Buyback Rate 2.00
ESSA's Share Buyback Rate is ranked higher than
85% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. ESSA: 2.00 )
Ranked among companies with meaningful Share Buyback Rate only.
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
75% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. ESSA: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
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
71% of the 952 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. ESSA: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
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 0.60
ESSA's Price/Median PS Value is ranked higher than
95% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ESSA: 0.60 )
Ranked among companies with meaningful Price/Median PS Value only.
ESSA' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 4.64
Current: 0.6

0.6
4.64
Price/Peter Lynch Fair Value 0.60
ESSA's Price/Peter Lynch Fair Value is ranked higher than
78% of the 470 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. ESSA: 0.60 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ESSA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.65   Max: 61.12
Current: 0.6

0.65
61.12
Price/Graham Number 0.80
ESSA's Price/Graham Number is ranked higher than
61% of the 1431 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. ESSA: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
ESSA' s 10-Year Price/Graham Number Range
Min: 0.71   Max: 4.88
Current: 0.8

0.71
4.88
Earnings Yield (Greenblatt) 3.20
ESSA's Earnings Yield (Greenblatt) is ranked lower than
76% of the 1484 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. ESSA: 3.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
ESSA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 4.9
Current: 3.2

0.1
4.9
Forward Rate of Return (Yacktman) 29.47
ESSA's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. ESSA: 29.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
ESSA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.3   Max: 44.9
Current: 29.47

-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, Other Events, Financial Statements and Exhibits Jun 01 2015
ESSA Bancorp, Inc. Declares Quarterly Dividend May 29 2015
ESSA Bancorp, Inc. Declares Quarterly Dividend May 29 2015
ESSA BANCORP, INC. Financials May 20 2015
10-Q for ESSA Bancorp, Inc. May 13 2015
ESSA BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 11 2015
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2015
Essa Bancorp posts 2Q profit Apr 29 2015
Essa Bancorp posts 2Q profit Apr 29 2015
ESSA Bancorp, Inc. Announces Fiscal Second Quarter, First Half 2015 Financial Results Highlighted by... Apr 29 2015
ESSA Bancorp, Inc. Announces Fiscal Second Quarter, First Half 2015 Financial Results Highlighted by... Apr 29 2015
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. 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

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