Based on the analysis of ESSA Bancorp's profitability, liquidity, and operating efficiency, ESSA Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, ESSA Bancorp's Property Plant And Equipment Net is projected to decrease significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 2.6 B, whereas Total Assets are forecasted to decline to about 1.5 B. Key indicators impacting ESSA Bancorp's financial strength include:
Investors should never underestimate ESSA Bancorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor ESSA Bancorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in ESSA Bancorp.
Net Income
20.52 Million
ESSA
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Understanding current and past ESSA Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ESSA Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in ESSA Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of ESSA Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, ESSA Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of ESSA Bancorp's management manipulating its earnings.
ESSA Bancorp Stock Summary
ESSA Bancorp competes with Community West, First Northwest, First Community, Oak Valley, and First Financial. 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 was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania. Essa Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 234 people.
Comparative valuation techniques use various fundamental indicators to help in determining ESSA Bancorp's current stock value. Our valuation model uses many indicators to compare ESSA Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ESSA Bancorp competition to find correlations between indicators driving ESSA Bancorp's intrinsic value. More Info.
ESSA Bancorp is rated below average in return on equity category among its peers. It is rated # 5 in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ESSA Bancorp is roughly 9.73 . At present, ESSA Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the ESSA Bancorp's earnings, one of the primary drivers of an investment's value.
ESSA Bancorp Systematic Risk
ESSA Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ESSA Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on ESSA Bancorp correlated with the market. If Beta is less than 0 ESSA Bancorp generally moves in the opposite direction as compared to the market. If ESSA Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ESSA Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ESSA Bancorp is generally in the same direction as the market. If Beta > 1 ESSA Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in ESSA Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ESSA Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ESSA Bancorp growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(1.35)
At present, ESSA Bancorp's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.
ESSA Bancorp March 20, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of ESSA Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ESSA Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of ESSA Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing ESSA Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ESSA Bancorp's daily price indicators and compare them against related drivers.
When running ESSA Bancorp's price analysis, check to measure ESSA Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ESSA Bancorp is operating at the current time. Most of ESSA Bancorp's value examination focuses on studying past and present price action to predict the probability of ESSA Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ESSA Bancorp's price. Additionally, you may evaluate how the addition of ESSA Bancorp to your portfolios can decrease your overall portfolio volatility.
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