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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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.10
ESSA's Cash-to-Debt is ranked lower than
94% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.05 vs. ESSA: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
ESSA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02  Med: 0.08 Max: No Debt
Current: 0.1
Equity-to-Asset 0.10
ESSA's Equity-to-Asset is ranked lower than
55% of the 1624 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: 0.13 Max: 0.23
Current: 0.1
0.08
0.23
Debt-to-Equity 1.90
ESSA's Debt-to-Equity is ranked lower than
87% of the 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. ESSA: 1.90 )
Ranked among companies with meaningful Debt-to-Equity only.
ESSA' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.21  Med: 1.87 Max: 4.45
Current: 1.9
0.21
4.45
Debt-to-EBITDA 37.91
ESSA's Debt-to-EBITDA is ranked lower than
95% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.03 vs. ESSA: 37.91 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ESSA' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -95.42  Med: 33.55 Max: 140.56
Current: 37.91
-95.42
140.56
Interest Coverage 0.68
ESSA's Interest Coverage is ranked lower than
76% of the 1562 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. ESSA: 0.68 )
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: 0.68
0.02
1.23
Beneish M-Score: -2.47
WACC vs ROIC
2.89%
1.37%
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 : 6/10

vs
industry
vs
history
Operating Margin % 15.59
ESSA's Operating Margin % is ranked lower than
82% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 32.07 vs. ESSA: 15.59 )
Ranked among companies with meaningful Operating Margin % only.
ESSA' s Operating Margin % Range Over the Past 10 Years
Min: -15.97  Med: 22.09 Max: 29.29
Current: 15.59
-15.97
29.29
Net Margin % 12.71
ESSA's Net Margin % is ranked lower than
80% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.99 vs. ESSA: 12.71 )
Ranked among companies with meaningful Net Margin % only.
ESSA' s Net Margin % Range Over the Past 10 Years
Min: -18.84  Med: 16.41 Max: 19.46
Current: 12.71
-18.84
19.46
ROE % 3.88
ESSA's ROE % is ranked lower than
81% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. ESSA: 3.88 )
Ranked among companies with meaningful ROE % only.
ESSA' s ROE % Range Over the Past 10 Years
Min: -3.9  Med: 3.28 Max: 5.78
Current: 3.88
-3.9
5.78
ROA % 0.39
ESSA's ROA % is ranked lower than
79% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. ESSA: 0.39 )
Ranked among companies with meaningful ROA % only.
ESSA' s ROA % Range Over the Past 10 Years
Min: -0.63  Med: 0.53 Max: 0.64
Current: 0.39
-0.63
0.64
3-Year Revenue Growth Rate 8.60
ESSA's 3-Year Revenue Growth Rate is ranked higher than
70% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. ESSA: 8.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ESSA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.85 Max: 19.5
Current: 8.6
0
19.5
3-Year EBITDA Growth Rate -1.30
ESSA's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. ESSA: -1.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ESSA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -41.2 Max: 103.3
Current: -1.3
0
103.3
3-Year EPS without NRI Growth Rate -1.30
ESSA's 3-Year EPS without NRI Growth Rate is ranked lower than
71% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. ESSA: -1.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ESSA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -65.1 Max: 259.6
Current: -1.3
0
259.6
GuruFocus has detected 7 Warning Signs with ESSA Bancorp Inc ESSA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ESSA's 30-Y Financials

Financials (Next Earnings Date: 2017-10-26)


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

» Details

Guru Trades

Q3 2016

ESSA Guru Trades in Q3 2016

Jim Simons 341,000 sh (+5.38%)
» More
Q4 2016

ESSA Guru Trades in Q4 2016

Jim Simons 396,300 sh (+16.22%)
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Q1 2017

ESSA Guru Trades in Q1 2017

Jim Simons 434,900 sh (+9.74%)
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Q2 2017

ESSA Guru Trades in Q2 2017

Jim Simons 440,700 sh (+1.33%)
» More
» Details

Insider Trades

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:NAS:SIFI, ASX:ABA, NAS:RVSB, NAS:MLVF, NAS:FSBK, NAS:PBIP, PHS:PBB, NAS:ICBK, NAS:OFED, NAS:FNWB, NAS:PROV, ASX:MOC, NAS:TSBK, NAS:FCAP, OTCBB:NWIN, AMEX:BKJ, MAL:LOM, NAS:GCBC, NAS:MSBF, OTCPK:NASB » details
Headquarter Location:USA
ESSA Bancorp Inc is a bank holding company. The Company through its subsidiary ESSA Bank & Trust provides financial services to individuals, families and businesses. ESSA Bank & Trust is a community-oriented savings association.

ESSA Bancorp Inc is a bank holding company. The Company through its subsidiary ESSA Bank & Trust provides financial services to individuals, families and businesses. ESSA Bank & Trust is a community-oriented savings association.

Top Ranked Articles about ESSA Bancorp Inc

ESSA Bancorp, Inc. Declares Quarterly Dividend
ESSA Bancorp, Inc. Declares Quarterly Dividend

STROUDSBURG, Pa., March 06, 2017 (GLOBE NEWSWIRE) -- ESSA Bancorp, Inc. (NASDAQ:ESSA), the holding company for ESSA Bank & Trust, a $1.8 billion asset institution providing full service retail and commercial banking, financial and investment services, today announced that its Board of Directors declared a dividend of nine cents ($0.09) per share. The dividend is payable to shareholders of record as of March 16, 2017, payable on March 30, 2017.
This will be the thirty-sixth consecutive quarter ESSA Bancorp, Inc. has paid a dividend to its shareholders.  ESSA became a public company in April 2007.  About the Company ESSA Bank & Trust, a wholly-owned subsidiary of ESSA Bancorp, Inc., has total assets of $1.7 billion and is the leading service-oriented financial institution headquartered in Stroudsburg, Pennsylvania. The Bank maintains its corporate headquarters in downtown Stroudsburg, Pennsylvania and has 26 community offices throughout the Greater Pocono, Lehigh Valley and Scranton/Wilkes-Barre markets in Pennsylvania. In addition to being one of the region’s largest mortgage lenders, ESSA Bank & Trust offers a full range of retail, commercial financial services, and financial advisory and asset management capabilities. ESSA Bancorp, Inc. stock trades on the NASDAQ Global MarketSM under the symbol “ESSA.” ESSA Bancorp, Inc. became a public company in April, 2007. Forward-Looking Statements Certain statements contained herein are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Such forward-looking statements may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as “may,” “will,” “believe,” “expect,” “estimate,” “anticipate,” “continue,” or similar terms or variations on those terms, or the negative of those terms. Forward-looking statements are subject to numerous risks and uncertainties, including, but not limited to, those related to the economic environment, particularly in the market areas in which the Company operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including compliance costs and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset-liability management, the financial and securities markets and the availability of and costs associated with sources of liquidity. The Company wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The Company wishes to advise readers that the factors listed above could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements. The Company does not undertake and specifically declines any obligation to publicly release the result of any revisions, that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.
Contact: Gary S. Olson, President & CEO
Corporate Office: 200 Palmer Street
Stroudsburg, Pennsylvania 18360
Telephone: (570) 421-0531


Read more...

Ratios

vs
industry
vs
history
PE Ratio 24.32
ESSA's PE Ratio is ranked lower than
85% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. ESSA: 24.32 )
Ranked among companies with meaningful PE Ratio only.
ESSA' s PE Ratio Range Over the Past 10 Years
Min: 13.06  Med: 24.33 Max: 1039
Current: 24.32
13.06
1039
PE Ratio without NRI 24.32
ESSA's PE Ratio without NRI is ranked lower than
85% of the 1531 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.75 vs. ESSA: 24.32 )
Ranked among companies with meaningful PE Ratio without NRI only.
ESSA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.06  Med: 24.33 Max: 1039
Current: 24.32
13.06
1039
Price-to-Owner-Earnings 21.34
ESSA's Price-to-Owner-Earnings is ranked lower than
75% of the 922 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. ESSA: 21.34 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ESSA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.96  Med: 20.67 Max: 865.83
Current: 21.34
6.96
865.83
PB Ratio 0.98
ESSA's PB Ratio is ranked higher than
62% of the 1636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. ESSA: 0.98 )
Ranked among companies with meaningful PB Ratio only.
ESSA' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 0.89 Max: 1.17
Current: 0.98
0.71
1.17
PS Ratio 3.02
ESSA's PS Ratio is ranked higher than
57% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. ESSA: 3.02 )
Ranked among companies with meaningful PS Ratio only.
ESSA' s PS Ratio Range Over the Past 10 Years
Min: 2.48  Med: 3.15 Max: 14.38
Current: 3.02
2.48
14.38
Price-to-Free-Cash-Flow 8.98
ESSA's Price-to-Free-Cash-Flow is ranked higher than
59% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.78 vs. ESSA: 8.98 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ESSA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.31  Med: 11.21 Max: 92.38
Current: 8.98
5.31
92.38
Price-to-Operating-Cash-Flow 8.61
ESSA's Price-to-Operating-Cash-Flow is ranked higher than
57% of the 957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.35 vs. ESSA: 8.61 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ESSA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.13  Med: 10.75 Max: 43.68
Current: 8.61
5.13
43.68
EV-to-EBIT 57.91
ESSA's EV-to-EBIT is ranked lower than
93% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. ESSA: 57.91 )
Ranked among companies with meaningful EV-to-EBIT only.
ESSA' s EV-to-EBIT Range Over the Past 10 Years
Min: -219.1  Med: 52 Max: 1367.5
Current: 57.91
-219.1
1367.5
EV-to-EBITDA 53.69
ESSA's EV-to-EBITDA is ranked lower than
94% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.38 vs. ESSA: 53.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
ESSA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -647.8  Med: 48.1 Max: 203.1
Current: 53.69
-647.8
203.1
EV-to-Revenue 9.03
ESSA's EV-to-Revenue is ranked lower than
86% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.22 vs. ESSA: 9.03 )
Ranked among companies with meaningful EV-to-Revenue only.
ESSA' s EV-to-Revenue Range Over the Past 10 Years
Min: 4.9  Med: 9.8 Max: 23.7
Current: 9.03
4.9
23.7
PEG Ratio 0.94
ESSA's PEG Ratio is ranked higher than
67% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. ESSA: 0.94 )
Ranked among companies with meaningful PEG Ratio only.
ESSA' s PEG Ratio Range Over the Past 10 Years
Min: 0.6  Med: 1 Max: 64.14
Current: 0.94
0.6
64.14
Shiller PE Ratio 27.78
ESSA's Shiller PE Ratio is ranked lower than
71% of the 508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. ESSA: 27.78 )
Ranked among companies with meaningful Shiller PE Ratio only.
ESSA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 26.36  Med: 29.5 Max: 34.12
Current: 27.78
26.36
34.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.35
ESSA's Dividend Yield % is ranked lower than
58% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. ESSA: 2.35 )
Ranked among companies with meaningful Dividend Yield % only.
ESSA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.3  Med: 1.88 Max: 2.79
Current: 2.35
0.3
2.79
Dividend Payout Ratio 0.56
ESSA's Dividend Payout Ratio is ranked lower than
81% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. ESSA: 0.56 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ESSA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.21  Med: 0.37 Max: 10
Current: 0.56
0.21
10
3-Year Dividend Growth Rate 21.60
ESSA's 3-Year Dividend Growth Rate is ranked higher than
80% of the 820 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. ESSA: 21.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ESSA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 35.7
Current: 21.6
0
35.7
Forward Dividend Yield % 2.29
ESSA's Forward Dividend Yield % is ranked lower than
62% of the 2240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. ESSA: 2.29 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.67
ESSA's 5-Year Yield-on-Cost % is ranked higher than
66% of the 2723 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 vs. ESSA: 4.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ESSA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.6  Med: 3.73 Max: 5.54
Current: 4.67
0.6
5.54
3-Year Average Share Buyback Ratio 1.60
ESSA's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 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: 1.5  Med: 8.85 Max: 0
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.08
ESSA's Price-to-Tangible-Book is ranked higher than
60% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. ESSA: 1.08 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ESSA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.74  Med: 0.93 Max: 1.17
Current: 1.08
0.74
1.17
Price-to-Intrinsic-Value-Projected-FCF 0.52
ESSA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
77% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. ESSA: 0.52 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ESSA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.49 Max: 0.89
Current: 0.52
0.45
0.89
Price-to-Median-PS-Value 0.96
ESSA's Price-to-Median-PS-Value is ranked higher than
72% of the 1469 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. ESSA: 0.96 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ESSA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.8  Med: 1.02 Max: 4.42
Current: 0.96
0.8
4.42
Price-to-Peter-Lynch-Fair-Value 1.24
ESSA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
53% of the 439 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. ESSA: 1.24 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ESSA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.6  Med: 0.95 Max: 15.51
Current: 1.24
0.6
15.51
Price-to-Graham-Number 1.08
ESSA's Price-to-Graham-Number is ranked lower than
61% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. ESSA: 1.08 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ESSA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 1.04 Max: 6.22
Current: 1.08
0.7
6.22
Earnings Yield (Greenblatt) % 1.72
ESSA's Earnings Yield (Greenblatt) % is ranked lower than
71% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.51 vs. ESSA: 1.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ESSA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -5.8  Med: 1.8 Max: 4.9
Current: 1.72
-5.8
4.9
Forward Rate of Return (Yacktman) % 29.32
ESSA's Forward Rate of Return (Yacktman) % is ranked higher than
83% of the 981 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. ESSA: 29.32 )
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: -0.6  Med: 22 Max: 35.4
Current: 29.32
-0.6
35.4

More Statistics

Revenue (TTM) (Mil) $53.95
EPS (TTM) $ 0.63
Beta0.20
Short Percentage of Float0.59%
52-Week Range $12.93 - 16.91
Shares Outstanding (Mil)11.60

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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