image
ESSA Bancorp, Inc. ESSA
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 18.12
-1.3 %
$ 184 M
Market Cap
10.06
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one ESSA stock under the worst case scenario is HIDDEN Compared to the current market price of 18.1 USD, ESSA Bancorp, Inc. is HIDDEN

ESSA Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one ESSA stock under the base case scenario is HIDDEN Compared to the current market price of 18.1 USD, ESSA Bancorp, Inc. is HIDDEN

ESSA Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one ESSA stock under the best case scenario is HIDDEN Compared to the current market price of 18.1 USD, ESSA Bancorp, Inc. is HIDDEN

ESSA Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ESSA

image
1M -5%
6M -5%
1Y 9%
3Y 18%
5Y 79%
All
$22.5$22.5$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.0$17.5$17.5$17.0$17.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
66.5 M REVENUE
-4.06%
Growth Rates
1Year -4.06%
3Years 1.07%
5Years 3.80%
7Years 3.09%
10Years 3.46%
21 M OPERATING INCOME
-9.14%
Growth Rates
1Year -9.14%
3Years 1.75%
5Years 6.87%
7Years -1.34%
10Years -1.04%
17 M NET INCOME
-8.53%
Growth Rates
1Year -8.53%
3Years 1.14%
5Years 6.12%
7Years 12.74%
10Years 7.17%
13.4 M OPERATING CASH FLOW
-35.63%
Growth Rates
1Year -35.63%
3Years -11.51%
5Years -5.89%
7Years -5.18%
10Years -0.74%
77 M INVESTING CASH FLOW
120.42%
Growth Rates
1Year 120.42%
3Years 34.30%
5Years 10.41%
7Years 24.16%
10Years 25.81%
-127 M FINANCING CASH FLOW
-30.76%
Growth Rates
1Year -30.76%
3Years -38.27%
5Years -17.66%
7Years -47.99%
10Years -30.17%
26.4 M REVENUE
56.39%
Growth Rates
1Year -4.06%
3Years 1.07%
5Years 3.80%
7Years 3.09%
10Years 3.46%
25.3 M OPERATING INCOME
392.89%
Growth Rates
1Year -9.14%
3Years 1.75%
5Years 6.87%
7Years -1.34%
10Years -1.04%
3.96 M NET INCOME
-5.34%
Growth Rates
1Year -8.53%
3Years 1.14%
5Years 6.12%
7Years 12.74%
10Years 7.17%
3.14 M OPERATING CASH FLOW
486.68%
Growth Rates
1Year -35.63%
3Years -11.51%
5Years -5.89%
7Years -5.18%
10Years -0.74%
-6.69 M INVESTING CASH FLOW
75.28%
Growth Rates
1Year 120.42%
3Years 34.30%
5Years 10.41%
7Years 24.16%
10Years 25.81%
7.9 M FINANCING CASH FLOW
115.33%
Growth Rates
1Year -30.76%
3Years -38.27%
5Years -17.66%
7Years -47.99%
10Years -30.17%
Balance Sheet ESSA Bancorp, Inc.
image
Current Assets 255 M
Cash & Short-Term Investments 255 M
Receivables 0
Other Current Assets 0
Non-Current Assets 2.14 B
Long-Term Investments -179 M
PP&E 11.3 M
Other Non-Current Assets 2.3 B
10.65 %96.37 %Total Assets$2.4b
Current Liabilities 280 M
Accounts Payable 0
Short-Term Debt 280 M
Other Current Liabilities 0
Non-Current Liabilities 1.68 B
Long-Term Debt 10 M
Other Non-Current Liabilities 1.67 B
14.31 %85.18 %Total Liabilities$2.0b
EFFICIENCY
Earnings Waterfall ESSA Bancorp, Inc.
image
Revenue 66.5 M
Cost Of Revenue -1.36 M
Gross Profit 67.8 M
Operating Expenses 42.1 M
Operating Income 21 M
Other Expenses 3.97 M
Net Income 17 M
70m70m60m60m50m50m40m40m30m30m20m20m10m10m0066m1m68m(42m)21m(4m)17mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
102.05% GROSS MARGIN
102.05%
Averages
1Year 102.05%
3Years 100.68%
5Years 100.41%
7Years 100.29%
10Years 100.20%
31.53% OPERATING MARGIN
31.53%
Averages
1Year 31.53%
3Years 35.31%
5Years 33.09%
7Years 34.79%
10Years 37.57%
25.56% NET MARGIN
25.56%
Averages
1Year 25.56%
3Years 27.26%
5Years 26.15%
7Years 23.61%
10Years 21.18%
7.37% ROE
7.37%
Averages
1Year 7.37%
3Years 8.43%
5Years 8.19%
7Years 7.32%
10Years 6.54%
0.78% ROA
0.78%
Averages
1Year 0.78%
3Years 0.89%
5Years 0.86%
7Years 0.77%
10Years 0.68%
0.71% ROIC
0.71%
Averages
1Year 0.71%
3Years 2.40%
5Years 1.45%
7Years 1.41%
10Years 1.31%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ESSA Bancorp, Inc.
image
25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 17 M
Depreciation & Amortization -1.11 M
Capital Expenditures -221 K
Stock-Based Compensation 1.36 M
Change in Working Capital 0
Others -6.97 M
Free Cash Flow 13.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets ESSA Bancorp, Inc.
image
ESSA has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.80% DIVIDEND YIELD
0.15 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.090.090.090.090.10.110.120.120.150.150.150.090.090.090.090.10.110.120.150.150.150.090.090.090.090.10.110.120.150.150.150.090.360.090.360.090.360.10.370.110.410.110.440.120.480.150.570.150.600.150.600.152015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership ESSA Bancorp, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
10.2 K USD 1
9-12 MONTHS
19.9 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
CNB Financial Corporation Announces that ISS Recommends Shareholders Support the Proposal to Issue Common Stock in connection with the Merger with ESSA Bancorp, Inc., the Proposal to Approve the 2025 Omnibus Incentive Plan and the Say-on-Pay Proposal CLEARFIELD, Pa., April 08, 2025 (GLOBE NEWSWIRE) -- CNB Financial Corporation (“CNB”) (NASDAQ: CCNE) is pleased to announce that leading independent proxy advisory firm Institutional Shareholder Services Inc (“ISS”) is recommending that CNB shareholders vote “FOR” each of (1) the proposal to issue shares of CNB common stock in connection with the merger of ESSA Bancorp, Inc. (“ESSA”) with and into CNB; (2) the proposal to approve the CNB Financial Corporation 2025 Omnibus Incentive Plan; and (3) the non-binding advisory resolution to approve the compensation of CNB's named executive officers in advance of the upcoming CNB Annual Meeting of Shareholders (the “Annual Meeting”). globenewswire.com - 3 weeks ago
Shareholders of ESSA Pharma Inc. Should Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights - EPIX NEW YORK, NY / ACCESS Newswire / March 25, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138642&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
ESSA Pharma Inc. Class Action: Levi & Korsinsky Reminds ESSA Pharma Inc. Investors of the Pending Class Action Lawsuit with a Lead Plaintiff Deadline of March 25, 2025 - EPIX NEW YORK , March 25, 2025 /PRNewswire/ -- Levi & Korsinsky, LLP notifies investors in ESSA Pharma Inc. ("ESSA Pharma Inc." or the "Company") (NASDAQ: EPIX) of a class action securities lawsuit. CLASS DEFINITION: The lawsuit seeks to recover losses on behalf of ESSA Pharma Inc. investors who were adversely affected by alleged securities fraud between December 12, 2023 and October 31, 2024. prnewswire.com - 1 month ago
ESSA Pharma Inc. Sued for Securities Law Violations - Investors Should Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights - EPIX NEW YORK, NY / ACCESS Newswire / March 25, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138572&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
ESSA Pharma Inc. Sued for Securities Law Violations – Investors Should Contact Levi & Korsinsky for More Information – EPIX NEW YORK, NY / ACCESS Newswire / March 24, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138426&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
ESSA Pharma Inc. Investors: Please contact the Portnoy Law Firm to recover your losses; March 25, 2025 Deadline to file Lead Plaintiff Motion Investors can contact the law firm at no cost to learn more about recovering their losses globenewswire.com - 1 month ago
Shareholders of ESSA Pharma Inc. Should Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights - EPIX NEW YORK, NY / ACCESS Newswire / March 24, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138345&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
The Gross Law Firm Reminds ESSA Pharma Inc. Investors of the Pending Class Action Lawsuit with a Lead Plaintiff Deadline of March 25, 2025 - EPIX NEW YORK , March 24, 2025 /PRNewswire/ -- The Gross Law Firm issues the following notice to shareholders of ESSA Pharma Inc. (NASDAQ: EPIX). Shareholders who purchased shares of EPIX during the class period listed are encouraged to contact the firm regarding possible lead plaintiff appointment. prnewswire.com - 1 month ago
ESSA Pharma Inc. Securities Fraud Class Action Lawsuit Pending: Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights – EPIX NEW YORK, March 24, 2025 (GLOBE NEWSWIRE) -- Levi & Korsinsky, LLP notifies investors in ESSA Pharma Inc. ("ESSA Pharma Inc." or the "Company") (NASDAQ: EPIX) of a class action securities lawsuit. globenewswire.com - 1 month ago
Levi & Korsinsky Reminds Shareholders of a Lead Plaintiff Deadline of March 25, 2025 in ESSA Pharma Inc. Lawsuit - EPIX NEW YORK, NY / ACCESS Newswire / March 23, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138123&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
Levi & Korsinsky Reminds Shareholders of a Lead Plaintiff Deadline of March 25, 2025 in ESSA Pharma Inc. Lawsuit - EPIX NEW YORK, NY / ACCESS Newswire / March 23, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138080&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
Levi & Korsinsky Reminds ESSA Pharma Inc. Investors of the Pending Class Action Lawsuit with a Lead Plaintiff Deadline of March 25, 2025 - EPIX NEW YORK, NY / ACCESS Newswire / March 23, 2025 / If you suffered a loss on your ESSA Pharma Inc. (NASDAQ:EPIX) investment and want to learn about a potential recovery under the federal securities laws, follow the link below for more information: https://zlk.com/pslra-1/essa-pharma-inc-lawsuit-submission-form?prid=138043&wire=1 or contact Joseph E. Levi, Esq. accessnewswire.com - 1 month ago
8. Profile Summary

ESSA Bancorp, Inc. ESSA

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 184 M
Dividend Yield 0.80%
Description 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.
Contact 200 Palmer Street, Stroudsburg, PA, 18360 https://ir.essabank.com
IPO Date April 4, 2007
Employees 236
Officers Mr. Joseph E. Bonsick Chief Banking Officer Mr. Robert L. Selitto Senior Vice President & Controller Mr. James V. Fareri Esq. General Counsel Ms. Stephanie Lefferson Corporate Secretary & Investor and Community Relations Mr. Gary S. Olson President, Chief Executive Officer & Director Mr. Peter A. Gray Senior EVice President & Chief Operating Officer Mr. Charles D. Hangen Executive Vice President & Chief Risk Officer Mr. Allan A. Muto Executive Vice President & Chief Financial Officer Mr. Richard J. Howells Director of Compliance Mr. Thomas J. Grayuski Chief Human Resource Officer & Senior Vice President