$ESSA Market Cap: $206.7 Million
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Financial Snapshot

Revenue
$77.68M
TTM
Gross Margin
Net Earnings
$12.43M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$2.196B
Q4 2024
Total Liabilities
$1.962B
Q4 2024
Book Value
$234.2M
Q4 2024
Cash
$52.93M
Q4 2024
P/E
16.63
Nov 29, 2024 EST
Free Cash Flow

Revenues

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

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

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
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

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 %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
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

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

No data

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 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

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
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

Dividends

No data

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.