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ESSA Bancorp, Inc. ESSA NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

ESSA Bancorp, Inc. (ESSA) is a Banks - Regional company in the Financial Services sector, currently trading at $20.61. It has a SharesGrow Score of 59/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $112M, +17.4%/yr average growth. Net income is $17M, growing at +2.1%/yr. Net profit margin is 15.2% (healthy). Gross margin is 60.8% (-27.1 pp trend).

Balance sheet: total debt is $290M against $230M equity (Debt-to-Equity (D/E) ratio 1.26, moderate). Current ratio is 0.14 (tight liquidity). Debt-to-assets is 13.3%. Total assets: $2.2B.

Analyst outlook: 0 / 2 analysts rate ESSA as buy (0%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 43/100 (Fail), Future 20/100 (Fail), Income 70/100 (Pass).

ESSA SharesGrow Score Overview

59/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 63/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 43/100

Gross margin is + market cap

FUTURE 20/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — ESSA

ESSA trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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ESSA: +17.4%/yr revenue is, +2.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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ESSA: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet ESSA: Debt-to-Equity (D/E) ratio 1.26 (moderate), Current ratio is 0.14 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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ESSA: Gross margin is 60.8% (-27.1 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 43/100. ≥ 70 = Pass.

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Analyst outlook: 0 / 2 analysts rate ESSA as buy (0%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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ESSA: Net profit margin is 15.2%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range15.82-22.22

Volume345.7K

Avg Volume (30D)49.44K

Market Cap$209.29M

Beta (1Y)0.44

Dividend Yield$0.6000

Share Statistics

EPS (TTM)1.78

Shares Outstanding$9.53M

IPO Date2007-04-04

Employees236

CEOGary S. Olson

Financial Highlights & Ratios

Revenue (TTM)$111.66M

Gross Profit$67.84M

EBITDA$23.07M

Net Income$16.99M

Operating Income$20.96M

Total Cash$264.45M

Total Debt$290M

Net Debt$241.42M

Total Assets$2.19B

Price / Earnings (P/E)11.6

Price / Sales (P/S)1.87

Analyst Forecast

Rating ConsensusHold

Analysts Covering2

Buy 0% Hold 100% Sell 0%

Company Info

CountryUS

ExchangeNASDAQ Global Select

CurrencyUSD

ISINUS29667D1046

Price Chart

ESSA

ESSA Bancorp, Inc. ↗ · NASDAQ Global Select

Financial Services • Banks - Regional

15.82 52WK RANGE 22.22

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