NASDAQ: ESSAEssa Bancorp Inc Stock
$17.51-0.23 (-1.3%)
Updated Apr 21, 2025
ESSA Price
$17.51
Fair Value Price
N/A
Market Cap
$177.81M
52 Week Low
$15.29
52 Week High
$22.22
P/E
10.06x
P/B
0.76x
P/S
2.94x
PEG
1.92x
Dividend Yield
3.43%
Revenue
$67.43M
Earnings
$16.61M
Gross Margin
100%
Operating Margin
30.36%
Profit Margin
24.6%
Debt to Equity
8.38
Operating Cash Flow
$10M
Beta
0.51
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 Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ESSA's potential to beat the market
- ESSA doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
ESSA
RankedUnranked of 296
RankedUnranked of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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ESSA News
Overview
Due Diligence Score
–
Industry Average (33)
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Due Diligence Checks
ESSA ($17.51) is trading above its intrinsic value of $12.61, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
ESSA is good value based on its earnings relative to its share price (10.06x), compared to the US market average (27.14x)
P/E vs Market Valuation
ESSA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more ESSA due diligence checks available for Premium users.
Valuation
ESSA fair value
Fair Value of ESSA stock based on Discounted Cash Flow (DCF)
Price
$17.51
Fair Value
$57.22
Undervalued by
69.40%
ESSA ($17.51) 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
10.06x
Industry
13.07x
Market
27.14x
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
0.76x
Industry
1.07x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
ESSA's financial health
Profit margin
Revenue
$16.8M
Net Income
$4.0M
Profit Margin
23.5%
ESSA's Earnings (EBIT) of $20.47M... 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
8.38
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
$3.1M
Investing
-$6.7M
Financing
$7.9M
ESSA's operating cash flow ($9.85M)... subscribe to Premium to read more.
Debt Coverage Financials
ESSA vs Bank Stocks
Essa Bancorp Stock FAQ
Company
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