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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 0.11
ESSA's Cash to Debt is ranked higher than
50% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ESSA: 0.11 )
ESSA' s 10-Year Cash to Debt Range
Min: 0.02   Max: No Debt
Current: 0.11

Equity to Asset 0.11
ESSA's Equity to Asset is ranked higher than
79% of the 1742 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 1.04
ESSA's Interest Coverage is ranked higher than
64% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. ESSA: 1.04 )
ESSA' s 10-Year Interest Coverage Range
Min: 0.02   Max: 1.04
Current: 1.04

0.02
1.04
F-Score: 6
Z-Score: 0.20
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 (%) 22.97
ESSA's Operating margin (%) is ranked higher than
66% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.47 vs. ESSA: 22.97 )
ESSA' s 10-Year Operating margin (%) Range
Min: -191.94   Max: 29.29
Current: 22.97

-191.94
29.29
Net-margin (%) 17.69
ESSA's Net-margin (%) is ranked higher than
68% of the 1769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.29 vs. ESSA: 17.69 )
ESSA' s 10-Year Net-margin (%) Range
Min: -18.84   Max: 67.96
Current: 17.69

-18.84
67.96
ROE (%) 4.87
ESSA's ROE (%) is ranked higher than
62% of the 1776 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.43 vs. ESSA: 4.87 )
ESSA' s 10-Year ROE (%) Range
Min: -3.9   Max: 8.51
Current: 4.87

-3.9
8.51
ROA (%) 0.58
ESSA's ROA (%) is ranked higher than
66% of the 1776 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. ESSA: 0.58 )
ESSA' s 10-Year ROA (%) Range
Min: -0.63   Max: 0.74
Current: 0.58

-0.63
0.74
ROC (Joel Greenblatt) (%) 32.83
ESSA's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 1745 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 72.56 vs. ESSA: 32.83 )
ESSA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -42.33   Max: 88.9
Current: 32.83

-42.33
88.9
Revenue Growth (%) 14.90
ESSA's Revenue Growth (%) is ranked higher than
95% of the 1534 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. ESSA: 14.90 )
ESSA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 16.3
Current: 14.9

0
16.3
EBITDA Growth (%) 25.60
ESSA's EBITDA Growth (%) is ranked higher than
91% of the 1378 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. ESSA: 25.60 )
ESSA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 25.6
Current: 25.6

0
25.6
EPS Growth (%) 28.30
ESSA's EPS Growth (%) is ranked higher than
90% of the 1361 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. ESSA: 28.30 )
ESSA' s 10-Year EPS Growth (%) Range
Min: 0   Max: 28.3
Current: 28.3

0
28.3
» ESSA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

ESSA Guru Trades in Q3 2013

Charles Brandes 23,660 sh (+23.97%)
Jim Simons 120,800 sh (+20.08%)
» More
Q4 2013

ESSA Guru Trades in Q4 2013

Charles Brandes 26,310 sh (+11.2%)
Jim Simons 121,100 sh (+0.25%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2013-09-30 Add 23.97%$10.26 - $11.5 $ 11.33%23660
Charles Brandes 2013-03-31 New Buy$10.8 - $11.5 $ 11.32%17865
John Keeley 2012-03-31 Sold Out 0.0022%$9.45 - $10.73 $ 11.321%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.60
ESSA's P/E(ttm) is ranked higher than
70% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. ESSA: 15.60 )
ESSA' s 10-Year P/E(ttm) Range
Min: 13.59   Max: 371.07
Current: 15.6

13.59
371.07
P/B 0.80
ESSA's P/B is ranked higher than
87% of the 1698 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. ESSA: 0.80 )
ESSA' s 10-Year P/B Range
Min: 0.71   Max: 1.17
Current: 0.8

0.71
1.17
P/S 2.70
ESSA's P/S is ranked higher than
76% of the 1715 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.89 vs. ESSA: 2.70 )
ESSA' s 10-Year P/S Range
Min: 2.48   Max: 20
Current: 2.7

2.48
20
PFCF 9.10
ESSA's PFCF is ranked higher than
72% of the 985 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.72 vs. ESSA: 9.10 )
ESSA' s 10-Year PFCF Range
Min: 5.32   Max: 62.9
Current: 9.1

5.32
62.9
EV-to-EBIT 25.92
ESSA's EV-to-EBIT is ranked higher than
56% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. ESSA: 25.92 )
ESSA' s 10-Year EV-to-EBIT Range
Min: 20.3   Max: 1367.5
Current: 25.92

20.3
1367.5
Shiller P/E 24.50
ESSA's Shiller P/E is ranked higher than
63% of the 1097 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.30 vs. ESSA: 24.50 )
ESSA' s 10-Year Shiller P/E Range
Min: 22.49   Max: 43.29
Current: 24.5

22.49
43.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
ESSA's Dividend Yield is ranked lower than
51% of the 1489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.37 vs. ESSA: 2.20 )
ESSA' s 10-Year Dividend Yield Range
Min: 0.3   Max: 2.27
Current: 2.2

0.3
2.27
Dividend Payout 0.32
ESSA's Dividend Payout is ranked higher than
62% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.31 vs. ESSA: 0.32 )
ESSA' s 10-Year Dividend Payout Range
Min: 0.21   Max: 0.83
Current: 0.32

0.21
0.83
Yield on cost (5-Year) 2.71
ESSA's Yield on cost (5-Year) is ranked higher than
52% of the 1501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. ESSA: 2.71 )
ESSA' s 10-Year Yield on cost (5-Year) Range
Min: 0.35   Max: 2.67
Current: 2.71

0.35
2.67
Share Buyback Rate 3.00
ESSA's Share Buyback Rate is ranked higher than
96% of the 1299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. ESSA: 3.00 )
ESSA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -5.1
Current: 3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.85
ESSA's Price/Tangible Book is ranked higher than
86% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. ESSA: 0.85 )
ESSA' s 10-Year Price/Tangible Book Range
Min: 0.74   Max: 1.14
Current: 0.85

0.74
1.14
Price/DCF (Projected) 0.47
ESSA's Price/DCF (Projected) is ranked higher than
82% of the 1179 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.59 vs. ESSA: 0.47 )
ESSA' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 0.73
Current: 0.47

0.45
0.73
Price/Median PS Value 0.59
ESSA's Price/Median PS Value is ranked higher than
97% of the 1580 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. ESSA: 0.59 )
ESSA' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 4.3
Current: 0.59

0.56
4.3
Price/Peter Lynch Fair Value 1.51
ESSA's Price/Peter Lynch Fair Value is ranked higher than
63% of the 594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. ESSA: 1.51 )
ESSA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.91   Max: 3.95
Current: 1.51

0.91
3.95
Price/Graham Number 0.79
ESSA's Price/Graham Number is ranked higher than
79% of the 1463 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. ESSA: 0.79 )
ESSA' s 10-Year Price/Graham Number Range
Min: 0.72   Max: 4.88
Current: 0.79

0.72
4.88
Earnings Yield (Greenblatt) 3.80
ESSA's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1609 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. ESSA: 3.80 )
ESSA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 4.9
Current: 3.8

0.1
4.9
Forward Rate of Return (Yacktman) 14.19
ESSA's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1378 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.45 vs. ESSA: 14.19 )
ESSA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 32.4
Current: 14.19

-2.6
32.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
ESSA Bancorp, Inc. is the Pennsylvania-chartered stock holding company of ESSA Bank & Trust. ESSA Bank & Trust is full-service, 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 offers investment services through its relationship with PRIMEVEST Financial Services, Inc., a third party broker/dealer and investment advisor. 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 Sep 04 2014
ESSA Bancorp, Inc. Declares Quarterly Dividend Aug 29 2014
ESSA BANCORP, INC. Financials Aug 19 2014
ESSA BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 08 2014
ESSA BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 28 2014
ESSA Bancorp, Inc. Adding Two Directors to Expanded Board Jul 28 2014
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 24 2014
ESSA Bancorp, Inc. Announces Fiscal Third Quarter, Nine Month 2014 Financial Results Jul 23 2014
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 04 2014
ESSA Bancorp, Inc. Declares Quarterly Dividend Jun 04 2014
Nasdaq stocks posting largest volume decreases May 19 2014
ESSA BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 12 2014
ESSA BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 25 2014
ESSA Bancorp, Inc. Announces Fiscal Second Quarter 2014 Financial Results Apr 23 2014
ESSA BANCORP, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Financial... Apr 07 2014
ESSA Bancorp, Inc. Announces Completion of Franklin Security Bancorp Acquisition Apr 04 2014
ESSA BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Mar 10 2014
ESSA BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Mar 06 2014
ESSA BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 28 2014
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