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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 : 5/10

vs
industry
vs
history
Cash-to-Debt N/A
ESBK's Cash-to-Debt is ranked lower than
99.99% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. ESBK: N/A )
Ranked among companies with meaningful Cash-to-Debt only.
ESBK' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.36 Max: 26.83
Current: N/A
0.08
26.83
Interest Coverage No Debt
ESBK's Interest Coverage is ranked lower than
99.99% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ESBK: No Debt )
Ranked among companies with meaningful Interest Coverage only.
ESBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.23  Med: 1.11 Max: 1.45
Current: No Debt
0.23
1.45
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 : 4/10

vs
industry
vs
history
3-Year Revenue Growth Rate 2.90
ESBK's 3-Year Revenue Growth Rate is ranked lower than
99.99% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ESBK: 2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ESBK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 1.4 Max: 92.5
Current: 2.9
0
92.5
3-Year EBITDA Growth Rate -0.40
ESBK's 3-Year EBITDA Growth Rate is ranked lower than
99.99% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ESBK: -0.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ESBK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.6 Max: 43.2
Current: -0.4
0
43.2
3-Year EPS without NRI Growth Rate -3.70
ESBK's 3-Year EPS without NRI Growth Rate is ranked lower than
99.99% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ESBK: -3.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ESBK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -42.4  Med: 2.9 Max: 64.1
Current: -3.7
-42.4
64.1
GuruFocus has detected 3 Warning Signs with Elmira Savings Bank Elmira NY $ESBK.
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» ESBK's 30-Y Financials

Financials (Next Earnings Date: 2017-07-20 Est.)


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:OTCPK:AVLY, NAS:HMTA, OTCPK:PBCA, OTCPK:SABK, OTCPK:FAIT, OTCPK:DBCP, NAS:EMCF, OTCPK:MYBF, OTCPK:FPBK, OTCPK:HLND, OTCPK:CNAF, NAS:PBIB, OTCPK:PKKW, AMEX:SGB, OTCBB:FETM, NAS:HBK, OTCPK:BVBC, OTCPK:CBKM, OTCPK:SBKK, OTCPK:HCFB » details
Headquarter Location:USA
Elmira Savings Bank Elmira NY engaged in attracting deposits from public and originating mortgag e loans secured by first and second liens on one to four family residences.It also issues commercial loans and consumer loans and offers financial services.

Elmira Savings Bank operates as an independent community bank serving consumers and businesses in the central region of New York State. The company provides personal and business banking. It offers individuals checking, savings, certificates of deposit, retirement accounts, auto and RV loans, home equity loans, personal loans and eBanking and Web BillPay. It offers business customers business lending, checking and savings, merchant services and online cash management. Elmira serves its customers through its branch offices in the central New York State region.

Top Ranked Articles about Elmira Savings Bank Elmira NY

Elmira Savings Bank Declares Cash Dividend
Elmira Savings Bank Announces $9.5 Million Private Placement
Elmira Savings Bank Declares Cash Dividend

ELMIRA, N.Y., March 01, 2017 (GLOBE NEWSWIRE) -- The Board of Directors of Elmira Savings Bank (NASDAQ:ESBK) has declared a $0.23 per share cash dividend on their existing common shares outstanding. The cash dividend will be paid on March 24, 2017 to shareholders of record March 16, 2017. The Bank also declared a dividend on their preferred shares outstanding.
Elmira Savings Bank, with $571.0 million in total assets, is insured by the Federal Deposit Insurance Corporation (FDIC) and is a state-chartered bank with six offices in Chemung County, NY; three offices and a loan center in Tompkins County, NY; two offices in Steuben County, NY; one office in Cayuga County, NY; one office in Schuyler County; and a loan center in Broome County, NY. Except for the historical information contained herein, the matters discussed in this news release are forward-looking statements that involve the risks and uncertainties, including the timely availability and acceptance of Bank products, the impact of competitive products and pricing, the management of growth, and other risks detailed from time to time in the Bank’s publicly available regulatory reports.
For further information contact:
Thomas M. Carr, President & CEO
Elmira Savings Bank
333 East Water Street
Elmira, New York 14901
(607) 735-8660
E-Mail [email protected]


Read more...

Ratios

vs
industry
vs
history
PE Ratio 4.20
ESBK's PE Ratio is ranked lower than
99.99% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. ESBK: 4.20 )
Ranked among companies with meaningful PE Ratio only.
ESBK' s PE Ratio Range Over the Past 10 Years
Min: 5.96  Med: 16.74 Max: 27.81
Current: 4.2
5.96
27.81
PE Ratio without NRI 4.20
ESBK's PE Ratio without NRI is ranked lower than
99.99% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. ESBK: 4.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
ESBK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.93  Med: 16.53 Max: 27.63
Current: 4.2
5.93
27.63
Price-to-Owner-Earnings 22.42
ESBK's Price-to-Owner-Earnings is ranked lower than
99.99% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. ESBK: 22.42 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ESBK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.14  Med: 9.73 Max: 67.97
Current: 22.42
3.14
67.97
Shiller PE Ratio 8.32
ESBK's Shiller PE Ratio is ranked lower than
99.99% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. ESBK: 8.32 )
Ranked among companies with meaningful Shiller PE Ratio only.
ESBK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.36  Med: 15.64 Max: 17.96
Current: 8.32
11.36
17.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.55
ESBK's Dividend Yield % is ranked higher than
77% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. ESBK: 4.55 )
Ranked among companies with meaningful Dividend Yield % only.
ESBK' s Dividend Yield % Range Over the Past 10 Years
Min: 2.26  Med: 3.26 Max: 10.55
Current: 4.55
2.26
10.55
Dividend Payout Ratio 0.74
ESBK's Dividend Payout Ratio is ranked lower than
94% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ESBK: 0.74 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ESBK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.47  Med: 0.62 Max: 0.93
Current: 0.74
0.47
0.93
3-Year Dividend Growth Rate 2.40
ESBK's 3-Year Dividend Growth Rate is ranked lower than
99.99% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ESBK: 2.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ESBK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -22.1  Med: 7.3 Max: 24.7
Current: 2.4
-22.1
24.7
Forward Dividend Yield % 4.55
ESBK's Forward Dividend Yield % is ranked higher than
73% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. ESBK: 4.55 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.37
ESBK's 5-Year Yield-on-Cost % is ranked higher than
62% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. ESBK: 6.37 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESBK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.15  Med: 4.55 Max: 14.73
Current: 6.37
3.15
14.73
3-Year Average Share Buyback Ratio -1.00
ESBK's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ESBK: -1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ESBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.1  Med: -1 Max: 3
Current: -1
-34.1
3

Valuation & Return

vs
industry
vs
history
Price-to-Graham-Number 1.09
ESBK's Price-to-Graham-Number is ranked lower than
99.99% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. ESBK: 1.09 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ESBK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.15  Med: 0.87 Max: 1.39
Current: 1.09
0.15
1.39
Forward Rate of Return (Yacktman) % -12.86
ESBK's Forward Rate of Return (Yacktman) % is ranked lower than
99.99% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. ESBK: -12.86 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ESBK' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -12.9  Med: -12.9 Max: -3
Current: -12.86
-12.9
-3

More Statistics

EPS (TTM) $ 4.81
Beta0.33
Short Percentage of Float0.00%
52-Week Range $18.50 - 22.25
Shares Outstanding (Mil)2.71
» More Articles for ESBK

Headlines

Articles On GuruFocus.com
Elmira Savings Bank Declares Cash Dividend May 24 2017 
Elmira Savings Bank Announces $9.5 Million Private Placement Apr 24 2017 
Elmira Savings Bank Declares Cash Dividend Mar 01 2017 
Elmira Savings Bank Declares Cash Dividend May 25 2016 
Elmira Savings Bank Declares Cash Dividend Feb 24 2016 
Elmira Savings Bank Announces Approval to Relocate Branch Feb 03 2016 
Elmira Savings Bank Declares Cash Dividend Aug 20 2015 
Elmira Savings Bank Declares Cash Dividend Nov 20 2014 
Elmira Savings Bank Reports Third Quarter Earnings Oct 22 2014 

More From Other Websites
Elmira Savings Bank Declares Cash Dividend May 24 2017
Elmira Savings Bank :ESBK-US: Earnings Analysis: Q1, 2017 By the Numbers : May 19, 2017 May 19 2017
Elmira Savings Bank Reports First Quarter Earnings Apr 25 2017
Elmira Savings Bank Announces $9.5 Million Private Placement Apr 24 2017
Elmira Savings Bank :ESBK-US: Earnings Analysis: Q4, 2016 By the Numbers : April 4, 2017 Apr 04 2017
Elmira Savings Bank :ESBK-US: Earnings Analysis: 2016 By the Numbers : February 9, 2017 Feb 09 2017
Elmira Savings Bank : ESBK-US: Dividend Analysis : December 08th, 2016 (record date) : By the... Jan 30 2017
Elmira Savings Bank Reports 2016 Earnings Jan 25 2017
Elmira Savings Bank :ESBK-US: Earnings Analysis: Q3, 2016 By the Numbers : October 24, 2016 Oct 24 2016
Elmira Savings Bank : ESBK-US: Dividend Analysis : September 08th, 2016 (record date) : By the... Oct 21 2016
Elmira Savings Bank: Strong price momentum but will it sustain? Sep 19 2016
Elmira Savings Bank :ESBK-US: Earnings Analysis: Q2, 2016 By the Numbers : July 26, 2016 Jul 26 2016
Elmira Savings Bank Reports Second Quarter Earnings Jul 20 2016
Elmira Savings Bank :ESBK-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016

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