Essa Bancorp Stock Buy Hold or Sell Recommendation
| ESSA Stock | USD 19.30 0.34 1.79% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding ESSA Bancorp is 'Strong Hold'. Macroaxis provides ESSA Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding ESSA positions.
Check out ESSA Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade ESSA Stock refer to our How to Trade ESSA Stock guide. In addition, we conduct extensive research on individual companies such as ESSA and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards ESSA Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.
ESSA |
Execute ESSA Bancorp Buy or Sell Advice
The ESSA recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on ESSA Bancorp. Macroaxis does not own or have any residual interests in ESSA Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute ESSA Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
ESSA Bancorp Trading Alerts and Improvement Suggestions
| ESSA Bancorp generated a negative expected return over the last 90 days | |
| ESSA Bancorp has a poor financial position based on the latest SEC disclosures | |
| About 15.0% of the company shares are held by company insiders | |
| Latest headline from bizjournals.com: Pennsylvania banks go where the money is in pursuit of Philadelphia-area institutions |
ESSA Bancorp Returns Distribution Density
The distribution of ESSA Bancorp's historical returns is an attempt to chart the uncertainty of ESSA Bancorp's future price movements. The chart of the probability distribution of ESSA Bancorp daily returns describes the distribution of returns around its average expected value. We use ESSA Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of ESSA Bancorp returns is essential to provide solid investment advice for ESSA Bancorp.
| Mean Return | -0.06 | Value At Risk | -2.19 | Potential Upside | 1.97 | Standard Deviation | 1.38 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of ESSA Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
ESSA Stock Institutional Investors
| Shares | Northern Trust Corp | 2024-12-31 | 69.8 K | Pinnacle Holdings, Llc | 2024-12-31 | 58.7 K | Philadelphia Trust Co | 2024-12-31 | 51.9 K | Empowered Funds, Llc | 2024-12-31 | 48.5 K | Alliancebernstein L.p. | 2024-12-31 | 37.9 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 37.3 K | Goldman Sachs Group Inc | 2024-12-31 | 30.3 K | Jpmorgan Chase & Co | 2024-12-31 | 29.7 K | Panagora Asset Management Inc | 2024-12-31 | 28.6 K | Fj Capital Management Llc | 2024-12-31 | 967.2 K | Blackrock Inc | 2024-12-31 | 521.5 K |
ESSA Bancorp Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 3.0M | (131.0M) | 57.5M | (36.8M) | (33.1M) | (31.5M) | |
| Free Cash Flow | 19.0M | 22.1M | 20.9M | 13.2M | 15.2M | 14.6M | |
| Depreciation | 2.2M | 2.2M | (280K) | (1.1M) | (998.1K) | (948.2K) | |
| Other Non Cash Items | (1.9M) | 744K | (18.6M) | (5.9M) | (5.3M) | (5.0M) | |
| Capital Expenditures | 401K | 571K | 955K | 221K | 198.9K | 189.0K | |
| Net Income | 16.4M | 20.1M | 18.6M | 17.0M | 19.5M | 20.5M | |
| End Period Cash Flow | 155.9M | 158.9M | 27.9M | 48.6M | 55.9M | 45.0M | |
| Dividends Paid | 4.7M | 5.3M | 5.9M | 5.9M | 5.3M | 5.6M | |
| Investments | 27.4M | (128.0M) | (377.1M) | 77.0M | 69.3M | 72.8M | |
| Change Receivables | 415K | (695K) | 1.4M | (1.2M) | (1.0M) | (986.7K) | |
| Net Borrowings | (50.2M) | (122.4M) | (125.9M) | 230.8M | 265.4M | 278.7M | |
| Change To Netincome | 1.3M | 6.2M | 2.3M | 3.0M | 3.5M | 4.8M |
ESSA Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to ESSA Bancorp or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that ESSA Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a ESSA stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.01 | |
β | Beta against Dow Jones | 0.56 | |
σ | Overall volatility | 1.40 | |
Ir | Information ratio | 0.03 |
ESSA Bancorp Volatility Alert
ESSA Bancorp exhibits very low volatility with skewness of -0.17 and kurtosis of -0.44. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure ESSA Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact ESSA Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.ESSA Bancorp Fundamentals Vs Peers
Comparing ESSA Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze ESSA Bancorp's direct or indirect competition across all of the common fundamentals between ESSA Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as ESSA Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of ESSA Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing ESSA Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare ESSA Bancorp to competition |
| Fundamentals | ESSA Bancorp | Peer Average |
| Return On Equity | 0.073 | -0.31 |
| Return On Asset | 0.0075 | -0.14 |
| Profit Margin | 0.25 % | (1.27) % |
| Operating Margin | 0.31 % | (5.51) % |
| Current Valuation | 350.13 M | 16.62 B |
| Shares Outstanding | 10.15 M | 571.82 M |
| Shares Owned By Insiders | 14.69 % | 10.09 % |
| Shares Owned By Institutions | 46.79 % | 39.21 % |
| Number Of Shares Shorted | 20.97 K | 4.71 M |
| Price To Earning | 13.54 X | 28.72 X |
| Price To Book | 0.84 X | 9.51 X |
| Price To Sales | 2.91 X | 11.42 X |
| Revenue | 67.84 M | 9.43 B |
| Gross Profit | 67.43 M | 27.38 B |
| EBITDA | 21.05 M | 3.9 B |
| Net Income | 16.99 M | 570.98 M |
| Cash And Equivalents | 101.61 M | 2.7 B |
| Cash Per Share | 10.38 X | 5.01 X |
| Total Debt | 290 M | 5.32 B |
| Debt To Equity | 9.05 % | 48.70 % |
| Book Value Per Share | 24.49 X | 1.93 K |
| Cash Flow From Operations | 13.43 M | 971.22 M |
| Short Ratio | 1.23 X | 4.00 X |
| Earnings Per Share | 1.74 X | 3.12 X |
| Target Price | 19.0 | |
| Number Of Employees | 236 | 18.84 K |
| Beta | 0.42 | -0.15 |
| Market Capitalization | 195.99 M | 19.03 B |
| Total Asset | 2.19 B | 29.47 B |
| Retained Earnings | 163.47 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 2.59 % | |
| Net Asset | 2.19 B |
Note: Acquisition by Peter Gray of 2500 shares of ESSA Bancorp at 15.9 subject to Rule 16b-3 [view details]
ESSA Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as ESSA . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About ESSA Bancorp Buy or Sell Advice
When is the right time to buy or sell ESSA Bancorp? Buying financial instruments such as ESSA Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out ESSA Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade ESSA Stock refer to our How to Trade ESSA Stock guide.You can also try the ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.
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 | 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.