ESSA Financial Statements From 2010 to 2025

ESSA Stock  USD 18.90  0.06  0.32%   
ESSA Bancorp financial statements provide useful quarterly and yearly information to potential ESSA Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on ESSA Bancorp financial statements helps investors assess ESSA Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting ESSA Bancorp's valuation are summarized below:
Gross Profit
67.4 M
Profit Margin
0.2463
Market Capitalization
192.5 M
Enterprise Value Revenue
6.3937
Revenue
67.4 M
We have found one hundred twenty available fundamental signals for ESSA Bancorp, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to verify all of ESSA Bancorp prevailing market performance against the performance between 2010 and 2025 to make sure the company can sustain itself next year. As of March 19, 2025, Market Cap is expected to decline to about 182 M. In addition to that, Enterprise Value is expected to decline to about 162.7 M

ESSA Bancorp Total Revenue

44.96 Million

Check ESSA Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among ESSA Bancorp's main balance sheet or income statement drivers, such as Interest Expense of 12.3 M, Total Revenue of 45 M or Gross Profit of 45 M, as well as many indicators such as Price To Sales Ratio of 47.71, Dividend Yield of 0.019 or PTB Ratio of 4.95. ESSA financial statements analysis is a perfect complement when working with ESSA Bancorp Valuation or Volatility modules.
  
Check out the analysis of ESSA Bancorp Correlation against competitors.
For information on how to trade ESSA Stock refer to our How to Trade ESSA Stock guide.

ESSA Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.5 B2.5 B1.7 B
Slightly volatile
Total Stockholder Equity173.8 M265 M184.1 M
Slightly volatile
Property Plant And Equipment Net14.1 M12.9 M14.1 M
Pretty Stable
Cash46 M55.9 M54.9 M
Slightly volatile
Non Current Assets Total2.6 B2.5 B722.5 M
Slightly volatile
Cash And Short Term Investments225.2 M292.7 M315 M
Pretty Stable
Common Stock Shares Outstanding10.1 M8.6 M10.7 M
Slightly volatile
Liabilities And Stockholders Equity1.5 B2.5 B1.7 B
Slightly volatile
Other Stockholder Equity73.3 M71 M83.1 M
Pretty Stable
Total Liabilities1.2 B2.3 B1.4 B
Slightly volatile
Property Plant And Equipment Gross43.6 M41.5 M23.6 M
Slightly volatile
Total Current Assets278.1 M292.7 M702.3 M
Slightly volatile
Short and Long Term Debt Total220 M261 M244.7 M
Very volatile
Total Current Liabilities188 M322 M234.5 M
Slightly volatile
Other Liabilities15.6 M26.7 M18.2 M
Slightly volatile
Retained Earnings98.1 M188 M106.6 M
Slightly volatile
Accounts PayableB1.6 B1.2 B
Slightly volatile
Long Term Debt8.6 MM101.9 M
Slightly volatile
Net Receivables1.1 B1.9 B1.3 B
Slightly volatile
Short Term Investments287 M248.2 M289.3 M
Very volatile
Non Current Liabilities TotalB1.9 B587.6 M
Slightly volatile
Short Term Debt338.1 M322 M156.6 M
Slightly volatile
Intangible Assets99.4 K104.7 K1.2 M
Slightly volatile
Property Plant Equipment16.1 M15.1 M15.9 M
Slightly volatile
Common Stock Total Equity195.3 K208.2 K182.9 K
Slightly volatile
Common Stock195.7 K208.2 K182.9 K
Slightly volatile
Net Tangible Assets185.2 M228 M176.9 M
Slightly volatile
Good Will12.7 M15.9 M11.9 M
Slightly volatile
Retained Earnings Total Equity102.4 M160 M103.6 M
Slightly volatile
Long Term Debt Total12.1 M12.7 M109.1 M
Slightly volatile
Capital Surpluse198.5 M209.5 M183.6 M
Slightly volatile
Other Current Assets44.3 M46.6 M473.4 M
Slightly volatile
Long Term Investments225.1 M236.9 M840.7 M
Slightly volatile
Non Current Liabilities Other20.9 M33.9 M21.4 M
Slightly volatile
Earning Assets311.7 M296.2 M362.1 M
Slightly volatile
Net Invested Capital516.2 M598.5 M488.1 M
Pretty Stable
Capital Stock144.8 K162.9 K177.6 K
Slightly volatile
Current Deferred Revenue4.3 M4.8 M5.3 M
Slightly volatile

ESSA Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense12.3 M10.7 M12.8 M
Very volatile
Total Revenue45 M78 M53.9 M
Slightly volatile
Gross Profit45 M78 M53.9 M
Slightly volatile
Other Operating Expenses50.9 M48.4 M23.8 M
Slightly volatile
Operating Income18.5 M18.9 M21.6 M
Very volatile
EBIT18.3 M18.9 M21.3 M
Pretty Stable
EBITDA26.2 M24.2 M23 M
Pretty Stable
Income Before Tax25.3 M24.1 M15.3 M
Slightly volatile
Net Income20.5 M19.5 M12 M
Slightly volatile
Income Tax Expense2.9 M4.6 M3.2 M
Slightly volatile
Depreciation And Amortization99.4 K104.7 K947.7 K
Very volatile
Selling General Administrative22.5 M32.8 M23.7 M
Slightly volatile
Cost Of Revenue14.3 M18.2 M16.6 M
Slightly volatile
Net Income Applicable To Common Shares24.2 M23.1 M12.8 M
Slightly volatile
Selling And Marketing Expenses787.7 K782 K742 K
Very volatile
Net Income From Continuing Ops12.9 M19.5 M12.3 M
Slightly volatile
Non Recurring280.5 K220.5 K317.4 K
Slightly volatile
Tax Provision3.9 M4.6 M3.5 M
Slightly volatile
Net Interest Income56.3 M67 M50.7 M
Slightly volatile
Interest Income74.5 M119 M68 M
Slightly volatile
Reconciled DepreciationM1.9 M1.5 M
Slightly volatile

ESSA Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow14.6 M15.2 M16.5 M
Slightly volatile
Begin Period Cash Flow103.1 M98.2 M59.8 M
Slightly volatile
Capital Expenditures189 K198.9 K651.1 K
Slightly volatile
Total Cash From Operating Activities15.8 M15.4 M17.1 M
Slightly volatile
Net Income20.5 M19.5 M12 M
Slightly volatile
End Period Cash Flow45 M55.9 M50.3 M
Slightly volatile
Stock Based Compensation1.1 M1.2 M1.2 M
Very volatile
Dividends Paid5.6 M5.3 MM
Slightly volatile
Change To Netincome4.8 M3.5 M4.1 M
Very volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio47.7145.43628.6045
Slightly volatile
Dividend Yield0.0190.0290.0251
Slightly volatile
PTB Ratio4.954.71051.4989
Slightly volatile
Days Sales Outstanding13.2 K9.8 K10.2 K
Slightly volatile
Book Value Per Share2.382.500826.2418
Pretty Stable
Free Cash Flow Yield0.06630.06490.1038
Very volatile
Operating Cash Flow Per Share1.011.271.5819
Slightly volatile
Stock Based Compensation To Revenue0.03540.02310.0241
Pretty Stable
PB Ratio4.954.71051.4989
Slightly volatile
EV To Sales41.0839.126610.6135
Slightly volatile
Free Cash Flow Per Share0.941.251.5149
Slightly volatile
Net Income Per Share0.260.27840.9552
Slightly volatile
Sales General And Administrative To Revenue0.610.480.516
Slightly volatile
Capex To Revenue0.00360.00370.0181
Slightly volatile
Cash Per Share1.551.635929.207
Pretty Stable
POCF Ratio23.315.6913.9672
Slightly volatile
Interest Coverage1.541.5742.1949
Pretty Stable
Payout Ratio0.380.40.9918
Slightly volatile
Capex To Operating Cash Flow0.0180.01890.0851
Slightly volatile
PFCF Ratio15.1615.9623.4632
Slightly volatile
Income Quality0.860.913.0785
Slightly volatile
ROE0.120.11130.0667
Slightly volatile
EV To Operating Cash Flow51.9136.3726.7659
Pretty Stable
PE Ratio48.5242.313652.6903
Slightly volatile
Return On Tangible Assets0.01050.010.0067
Slightly volatile
EV To Free Cash Flow35.1336.9835.4672
Slightly volatile
Earnings Yield0.04110.02360.0654
Slightly volatile
Intangibles To Total Assets0.00590.00570.0072
Very volatile
Current Ratio0.991.059.5482
Slightly volatile
Tangible Book Value Per Share2.382.500825.1557
Pretty Stable
Receivables Turnover0.03190.03870.0408
Pretty Stable
Graham Number3.763.957917.5321
Slightly volatile
Shareholders Equity Per Share2.382.500815.3547
Very volatile
Debt To Equity1.951.451.5382
Slightly volatile
Capex Per Share0.02530.02670.0695
Slightly volatile
Revenue Per Share0.250.25934.5528
Very volatile
Interest Debt Per Share0.690.723820.4714
Pretty Stable
Debt To Assets0.230.150.1579
Slightly volatile
Enterprise Value Over EBITDA10.778.0116.032
Slightly volatile
Short Term Coverage Ratios0.05240.05510.1764
Slightly volatile
Price Earnings Ratio48.5242.313652.6903
Slightly volatile
Price Book Value Ratio4.954.71051.4989
Slightly volatile
Dividend Payout Ratio0.380.40.9918
Slightly volatile
Price To Operating Cash Flows Ratio23.315.6913.9672
Slightly volatile
Price To Free Cash Flows Ratio15.1615.9623.4632
Slightly volatile
Pretax Profit Margin1.681.60250.4191
Slightly volatile
Ebt Per Ebit0.260.330.4969
Pretty Stable
Operating Profit Margin4.614.39430.94
Slightly volatile
Effective Tax Rate0.250.32990.2289
Very volatile
Company Equity Multiplier10.011.08649.7109
Pretty Stable
Long Term Debt To Capitalization0.04540.04780.3109
Slightly volatile
Total Debt To Capitalization0.650.640.5645
Pretty Stable
Return On Capital Employed0.02540.04110.0191
Pretty Stable
Debt Equity Ratio1.951.451.5382
Slightly volatile
Ebit Per Revenue4.614.39430.94
Slightly volatile
Quick Ratio0.991.0518.8586
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.821.973.6301
Pretty Stable
Net Income Per E B T0.620.67010.763
Pretty Stable
Cash Ratio0.190.20.4116
Slightly volatile
Operating Cash Flow Sales Ratio0.350.230.308
Very volatile
Days Of Sales Outstanding13.2 K9.8 K10.2 K
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.890.8891
Pretty Stable
Cash Flow Coverage Ratios0.03960.04170.2536
Pretty Stable
Price To Book Ratio4.954.71051.4989
Slightly volatile
Fixed Asset Turnover0.670.70343.3961
Pretty Stable
Capital Expenditure Coverage Ratio57.4154.6829.5194
Slightly volatile
Price Cash Flow Ratio23.315.6913.9672
Slightly volatile
Enterprise Value Multiple10.778.0116.032
Slightly volatile
Debt Ratio0.230.150.1579
Slightly volatile
Cash Flow To Debt Ratio0.03960.04170.2536
Pretty Stable
Price Sales Ratio47.7145.43628.6045
Slightly volatile
Return On Assets0.01050.010.0067
Slightly volatile
Asset Turnover0.00890.00940.029
Slightly volatile
Net Profit Margin1.131.07380.3045
Slightly volatile
Gross Profit Margin0.80.90.9812
Slightly volatile
Price Fair Value4.954.71051.4989
Slightly volatile
Return On Equity0.120.11130.0667
Slightly volatile

ESSA Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap182 M198.9 M159 M
Slightly volatile
Enterprise Value162.7 M171.3 M310 M
Pretty Stable

ESSA Fundamental Market Drivers

Cash And Short Term Investments254.6 M

ESSA Upcoming Events

24th of April 2024
Upcoming Quarterly Report
View
24th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of October 2024
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
30th of September 2023
Last Financial Announcement
View

About ESSA Bancorp Financial Statements

ESSA Bancorp stakeholders use historical fundamental indicators, such as ESSA Bancorp's revenue or net income, to determine how well the company is positioned to perform in the future. Although ESSA Bancorp investors may analyze each financial statement separately, they are all interrelated. For example, changes in ESSA Bancorp's assets and liabilities are reflected in the revenues and expenses on ESSA Bancorp's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in ESSA Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue4.8 M4.3 M
Total Revenue78 M45 M
Cost Of Revenue18.2 M14.3 M
Stock Based Compensation To Revenue 0.02  0.04 
Sales General And Administrative To Revenue 0.48  0.61 
Revenue Per Share 0.26  0.25 
Ebit Per Revenue 4.39  4.61 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether ESSA Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of ESSA Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Essa Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Essa Bancorp Stock:
Check out the analysis of ESSA Bancorp Correlation against competitors.
For information on how to trade ESSA Stock refer to our How to Trade ESSA Stock guide.
You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ESSA Bancorp. If investors know ESSA will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ESSA Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.09)
Dividend Share
0.6
Earnings Share
1.74
Revenue Per Share
7.087
Quarterly Revenue Growth
(0.02)
The market value of ESSA Bancorp is measured differently than its book value, which is the value of ESSA that is recorded on the company's balance sheet. Investors also form their own opinion of ESSA Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ESSA Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ESSA Bancorp's market value can be influenced by many factors that don't directly affect ESSA Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ESSA Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if ESSA Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ESSA Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.