NASDAQ: ESSAEssa Bancorp Inc Stock
$16.85+0.53 (+3.25%)
Updated Apr 24, 2024
ESSA Price
$16.85
Fair Value Price
$45.76
Market Cap
$170.72M
52 Week Low
$12.79
52 Week High
$20.87
P/E
9.11x
P/B
0.77x
P/S
2.96x
PEG
0.99x
Dividend Yield
3.56%
Revenue
$68.56M
Earnings
$18.05M
Gross Margin
100%
Operating Margin
32.74%
Profit Margin
26.3%
Debt to Equity
9.08
Operating Cash Flow
$24M
Beta
0.79
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
ESSA Overview
ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
ESSA ($16.85) is undervalued by 63.18% relative to our estimate of its Fair Value price of $45.76 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ESSA ($16.85) is significantly undervalued by 63.18% relative to our estimate of its Fair Value price of $45.76 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ESSA ($16.85) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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ESSA News
Valuation
ESSA fair value
Fair Value of ESSA stock based on Discounted Cash Flow (DCF)
Price
$16.85
Fair Value
$45.76
Undervalued by
63.18%
ESSA ($16.85) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ESSA ($16.85) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ESSA ($16.85) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ESSA price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.11x
Industry
-10.44x
Market
41.27x
ESSA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ESSA is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
ESSA price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.77x
Industry
0.99x
ESSA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ESSA price to earnings growth (PEG)
For valuing profitable companies with growth potential
ESSA is good value based... subscribe to Premium to read more.
PEG Value Valuation
ESSA's financial health
Profit margin
Revenue
$17.2M
Net Income
$4.3M
Profit Margin
25.2%
ESSA's Earnings (EBIT) of $22.44M... subscribe to Premium to read more.
Interest Coverage Financials
ESSA's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.2B
Liabilities
$2.0B
Debt to equity
9.08
ESSA's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
ESSA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$6.7M
Investing
$32.0M
Financing
-$77.0M
ESSA's operating cash flow ($24.45M)... subscribe to Premium to read more.
Debt Coverage Financials
ESSA vs Bank Stocks
Essa Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.