Essa Bancorp, Inc. - Understand $essa stock

$ESSA Market Cap: $206.7 Million

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Financial Snapshot

Revenue

$77.40M

TTM

Gross Margin

Net Earnings

$12.81M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$2.188B

Q3 2024

Total Liabilities

$1.957B

Q3 2024

Book Value

$230.4M

Q3 2024

Cash

$48.58M

Q3 2024

P/E

16.13

Nov 29, 2024 EST

Free Cash Flow

$6.644M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Revenue	$103.5M	$85.50M	$62.81M	$58.69M		$67.76M	$64.50M	$58.32M	$58.37M	$54.18M	$50.78M	$51.10M	$45.20M	$47.18M
YoY Change	21.0%	36.12%	7.03%			5.05%	10.61%	-0.08%	7.73%	6.7%	-0.64%	13.06%	-4.19%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$103.5M	$85.50M	$62.81M	$58.69M	$67.76M	$64.50M	$58.32M	$58.37M	$54.18M	$50.78M	$51.10M	$45.20M	$47.18M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.111M	$1.110M	$1.073M	$1.055M	$1.077M	$1.084M	$1.177M	$1.305M	$1.661M	$1.326M	$1.261M	$1.145M	$986.0K	$1.082M	$1.230M	$1.200M	$1.250M	$1.050M	$1.060M	$970.0K
YoY Change	0.09%	3.45%	1.71%	-2.04%	-0.65%	-7.9%	-9.81%	-21.43%	25.26%	5.15%	10.13%	16.13%	-8.87%	-12.03%	2.5%	-4.0%	19.05%	-0.94%	9.28%	1.04%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$23.95M	$3.041M	$5.793M	$20.75M	$16.27M	$12.80M	$11.43M	$10.39M	$10.63M	$11.26M	$16.13M	$18.28M
YoY Change	687.41%	-47.51%		27.54%	27.1%	11.97%	10.02%	-2.23%	-5.6%	-30.22%	-11.75%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Pretax Income	$20.96M	$23.07M	$25.00M	$19.90M	$17.60M	$15.04M	$12.20M	$8.930M	$10.31M	$12.75M	$11.40M	$11.66M	$248.0K	$7.121M	$6.360M	$9.110M	$9.150M	-$4.340M	$5.770M	$5.830M
YoY Change	-9.14%	-7.73%	25.67%	13.06%	17.03%	23.31%	36.56%	-13.39%	-19.11%	11.85%	-2.25%	4600.4%	-96.52%	11.97%	-30.19%	-0.44%	-310.83%	-175.22%	-1.03%	14.54%
Income Tax	$3.970M	$4.494M	$4.934M	$3.473M	$3.183M	$2.415M	$5.664M	$1.591M	$2.583M	$2.954M	$2.891M	$2.834M	$33.00K	$1.863M	$1.840M	$2.550M	$3.070M	$780.0K	$1.810M	$1.380M
% Of Pretax Income	18.94%	19.48%	19.73%	17.45%	18.09%	16.06%	46.45%	17.82%	25.05%	23.18%	25.37%	24.31%	13.31%	26.16%	28.93%	27.99%	33.55%		31.37%	23.67%
Net Earnings	$16.99M	$18.58M	$20.07M	$16.42M	$14.42M	$12.62M	$6.531M	$7.339M	$7.727M	$9.791M	$8.504M	$8.823M	$215.0K	$5.258M	$4.510M	$6.560M	$6.080M	-$5.130M	$3.950M	$4.450M
YoY Change	-8.53%	-7.44%	22.2%	13.93%	14.2%	93.28%	-11.01%	-5.02%	-21.08%	15.13%	-3.62%	4003.72%	-95.91%	16.59%	-31.25%	7.89%	-218.52%	-229.87%	-11.24%	13.52%
Net Earnings / Revenue	16.42%	21.73%	31.95%	27.99%		18.63%	10.13%	12.58%	13.24%	18.07%	16.75%	17.27%	0.48%	11.15%
Basic Earnings Per Share	$1.78	$1.91	$2.06	$1.65	$1.39	$1.18	$0.60	$0.69	$0.74	$0.94	$0.79	$0.76	$0.02	$0.46
Diluted Earnings Per Share	$1.78	$1.91	$2.055M	$1.65	$1.39	$1.18	$0.60	$0.69	$0.73	$0.93	$0.79	$0.76	$0.02	$0.46	$355.7K	$474.0K	$380.5K	-$302.1K	$232.6K	$285.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$18.96M	$13.13M	$19.80M	$21.30M	$14.30M	$14.60M	$16.20M	$16.80M	$16.60M	$17.00M	$15.70M	$16.20M	$11.50M	$12.20M	$10.60M	$10.70M	$11.30M	$11.40M	$11.60M
YoY Change	44.44%	-33.71%	-7.04%	48.95%	-2.05%	-9.88%	-3.57%	1.2%	-2.35%	8.28%	-3.09%	40.87%	-5.74%	15.09%	-0.93%	-5.31%	-0.88%	-1.72%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$6.877M	$5.375M	$4.600M	$6.000M	$5.100M	$8.400M	$10.40M	$11.90M	$11.10M	$12.00M	$11.20M	$11.30M	$3.000M
YoY Change	27.94%	16.85%	-23.33%	17.65%	-39.29%	-19.23%	-12.61%	7.21%	-7.5%	7.14%	-0.88%	276.67%
Total Long-Term Assets
YoY Change
Total Assets	$2.293B	$1.862B	$1.861B	$1.894B	$1.799B	$1.834B	$1.785B	$1.773B	$1.607B	$1.575B	$1.372B	$1.419B	$1.098B	$1.072B	$1.042B	$993.5M	$910.4M	$725.8M	$656.1M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$6.288M	$6.275M	$6.400M	$7.200M
YoY Change	0.21%	-1.95%	-11.11%
Deferred Revenue
YoY Change
Short-Term Debt	$374.7M	$230.8M	$0.00	$111.7M	$107.7M	$179.8M	$137.4M	$129.5M	$91.30M	$108.0M	$23.00M	$43.30M	$4.000M	$14.70M	$48.10M	$15.50M	$18.00M	$13.00M	$27.50M
YoY Change	62.32%		-100.0%	3.71%	-40.1%	30.86%	6.1%	41.84%	-15.46%	369.57%	-46.88%	982.5%	-72.79%	-69.44%	210.32%	-13.89%	38.46%	-52.73%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$380.9M	$6.275M	$6.400M	$7.200M	$107.7M	$179.8M	$137.4M	$129.5M	$91.30M	$108.0M	$23.00M	$43.30M	$4.000M	$14.70M	$48.10M	$15.50M	$18.00M	$13.00M	$27.50M
YoY Change	5970.76%	-1.95%	-11.11%	-93.31%	-40.1%	30.86%	6.1%	41.84%	-15.46%	369.57%	-46.88%	982.5%	-72.79%	-69.44%	210.32%	-13.89%	38.46%	-52.73%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$31.58M	$38.65M	$17.10M	$25.40M	$18.80M	$19.30M	$16.00M	$21.30M	$18.10M	$14.30M	$12.60M	$9.600M	$8.100M	$8.400M	$7.800M	$8.100M	$5.700M	$3.800M	$3.900M
YoY Change	-18.29%	126.02%	-32.68%	35.11%	-2.59%	20.63%	-24.88%	17.68%	26.57%	13.49%	31.25%	18.52%	-3.57%	7.69%	-3.7%	42.11%	50.0%	-2.56%
Total Long-Term Liabilities	$31.58M	$38.65M	$17.10M	$25.40M	$18.80M	$19.30M	$16.00M	$21.30M	$18.10M	$14.30M	$12.60M	$9.600M	$8.100M	$8.400M	$7.800M	$8.100M	$5.700M	$3.800M	$3.900M
YoY Change	-18.29%	126.02%	-32.68%	35.11%	-2.59%	20.63%	-24.88%	17.68%	26.57%	13.49%	31.25%	18.52%	-3.57%	7.69%	-3.7%	42.11%	50.0%	-2.56%
Total Liabilities	$2.074B	$1.649B	$1.660B	$1.702B	$1.610B	$1.655B	$1.603B	$1.596B	$1.435B	$1.408B	$1.206B	$1.243B	$935.8M	$900.4M	$856.6M	$793.4M	$705.7M	$667.5M	$601.7M
YoY Change	25.71%	-0.61%	-2.5%	5.73%	-2.7%	3.25%	0.4%	11.2%	1.98%	16.72%	-3.02%	32.87%	3.93%	5.11%	7.97%	12.43%	5.72%	10.94%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	9.533M	9.725M	9.761M	9.946M	10.35M	10.73M	10.83M	10.60M	10.40M	10.45M	10.82M	11.56M shares	11.05M shares	11.49M shares
Diluted Shares Outstanding	9.533M	9.725M	9.765M	9.948M	10.35M	10.73M	10.83M	10.66M	10.52M	10.54M	10.82M	11.56M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $206.68 Million

About ESSA Bancorp, Inc.

ESSA Bancorp, Inc. operates as a bank holding company. The company is headquartered in Stroudsburg, Pennsylvania and currently employs 232 full-time employees. The company went IPO on 2007-04-04. The Bank is a chartered savings bank. The Bank has two regional offices in Allentown and Devon, and operates 21 community offices throughout the greater Pocono, Lehigh Valley, Scranton/Wilkes-Barre and suburban Philadelphia areas. The Bank’s primary business consists of the taking of deposits and granting of loans to customers generally in Monroe, Northampton, Lehigh, Delaware, Chester, Montgomery, Lackawanna and Luzerne Counties, Pennsylvania. Its personal banking services include personal checking, personal savings, certificates of deposit, money market account, individual retirement accounts (IRAs), online banking, mobile banking, mobile deposit, online bill pay, e-statements, Zelle, Debit Mastercard and others. Its business banking services include business checking, IOLTA checking, government checking, commercial and industrial loans, commercial real estate loans, government financing and credit and others.

Industry: Savings Institutions, Not Federally Chartered Peers: FS Bancorp, Inc. NorthEast Community Bancorp, Inc./MD/ OP Bancorp Pioneer Bancorp, Inc./MD ONITY GROUP INC. Ponce Financial Group, Inc. Rocket Companies, Inc. TIMBERLAND BANCORP INC Territorial Bancorp Inc. Western New England Bancorp, Inc.