ESSA Bancorp

ESSA Bancorp is the stock holding company of ESSA Bank & Trust. The Company provides financial services to individuals, families and businesses through its approximately 30 full-service banking offices, located in Monroe, Northampton and Lehigh counties, Pennsylvania. The Bank's business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in residential first mortgage loans (including construction mortgage loans), commercial real estate loans, home equity loans and lines of credit, commercial and consumer loans (including indirect auto loans). It offers a range of deposit accounts, including checking, savings and certificates of deposits. It also offers asset management, trust, investment and insurance benefit consulting services through its subsidiary, ESSA Advisory Services.

Company Growth (employees)
Stroudsburg, US
Size (employees)
285 (est)
ESSA Bancorp was founded in 1998 and is headquartered in Stroudsburg, US

ESSA Bancorp Office Locations

ESSA Bancorp has an office in Stroudsburg
Stroudsburg, US (HQ)
200 Palmer St

ESSA Bancorp Financials and Metrics

ESSA Bancorp Financials

ESSA Bancorp's revenue was reported to be $67.1 m in FY, 2016

Revenue (Q3, 2017)

16.5 m

Gross profit (Q3, 2017)

13.3 m

Gross profit margin (Q3, 2017), %


Net income (Q3, 2017)

1.8 m

EBIT (Q3, 2017)

10.4 m

Market capitalization (13-Dec-2017)

167.3 m

Cash (30-Jun-2017)

33.6 m


279.4 m
ESSA Bancorp's current market capitalization is $167.3 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


59.1 m58.2 m62.1 m67.1 m

Revenue growth, %


Cost of goods sold

11.3 m10.6 m10.4 m11.4 m

Gross profit

47.9 m47.6 m51.7 m55.7 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


13.8 m13.3 m15.9 m15.5 m15.5 m15.5 m15.6 m17.4 m17 m16.5 m16.2 m16.5 m

Cost of goods sold

2.7 m2.6 m2.7 m2.7 m2.6 m2.6 m2.7 m2.9 m2.9 m3 m3.1 m3.2 m

Gross profit

11.1 m10.7 m13.2 m12.9 m12.9 m13 m12.9 m14.6 m14.2 m13.5 m13.1 m13.3 m

Gross profit Margin, %

USDFY, 2013FY, 2014FY, 2015FY, 2016


26.6 m22.3 m18.8 m43.7 m

Accounts Receivable

23.2 m


15.7 m17 m16.6 m16.8 m


8.8 m10.3 m10.3 m13.8 m
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


14.8 m40.7 m23.5 m20.5 m16.6 m17.7 m25.7 m23.9 m26 m39.9 m36.4 m33.6 m


15.5 m17.1 m17.1 m16.9 m16.8 m16.7 m17.5 m17.2 m17 m16.7 m16.5 m16.4 m


8.8 m10.3 m10.3 m10.3 m10.3 m10.3 m13.8 m13.8 m13.8 m13.8 m13.8 m13.8 m

Total Assets

1.4 b1.4 b1.6 b1.6 b1.6 b1.6 b1.8 b1.8 b1.8 b1.8 b1.8 b1.8 b
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

8.8 m8.5 m9.8 m7.7 m

Depreciation and Amortization

991 k959 k637 k763 k

Accounts Receivable

3 k3 k185 k

Accounts Payable

(295 k)(2 k)64 k
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

Net Income

2 m3.5 m6.1 m2.6 m5 m2.6 m2 m2.1 m2.1 m1.9 m3.6 m5.3 m

Depreciation and Amortization

282 k166 k163 k157 k174 k223 k191 k163 k164 k

Accounts Receivable

185 k185 k185 k185 k185 k185 k

Accounts Payable

(24 k)(18 k)64 k64 k64 k64 k64 k64 k
USDY, 2017


26.8 x


19.2 x


58 k

Financial Leverage

9.8 x
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ESSA Bancorp Operating Metrics

ESSA Bancorp's Total Loans Issued was reported to be $1.2 b in Q3, 2017
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017Q3, 2017

Total Loans Issued

$1.07 b$1.06 b$1.08 b$1.09 b$1.11 b$1.23 b$1.24 b$1.23 b$1.23 b$1.22 b$1.21 b$1.22 b

Non-accrual Loans

$21.91 m$15.94 m$13.75 m
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ESSA Bancorp Market Value History

ESSA Bancorp's Web-traffic and Trends

ESSA Bancorp Online and Social Media Presence

ESSA Bancorp Company Life and Culture

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