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.

TypePublic
HQStroudsburg, US
Founded1998
Size (employees)285 (est)
Websiteessabank.com
ESSA Bancorp was founded in 1998 and is headquartered in Stroudsburg, US
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ESSA Bancorp Office Locations

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

ESSA Bancorp Revenue

ESSA Bancorp's revenue was reported to be $67.15 m in FY, 2016 which is a 8.2% increase from the previous period.
USD

Revenue (Q3, 2018)

53.8 m

Gross profit (Q3, 2018)

42.1 m

Gross profit margin (Q3, 2018), %

78.3%

Net income (Q3, 2018)

3.4 m

EBIT (Q3, 2018)

33.2 m

Market capitalization (20-Sep-2018)

189.4 m

Closing stock price (20-Sep-2018)

16.1

Cash (30-Jun-2018)

37.9 m

EV

371.5 m
ESSA Bancorp's current market capitalization is $189.4 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

59.1 m58.2 m62.1 m67.1 m

Revenue growth, %

(2%)7%8%

Cost of goods sold

11.3 m10.6 m10.4 m11.4 m12.8 m

Gross profit

47.9 m47.6 m51.7 m55.7 m
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018Q3, 2018

Revenue

13.8 m13.3 m15.9 m15.5 m15.5 m15.5 m15.6 m17.4 m17 m16.5 m16.2 m16.5 m35.1 m53.8 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 m7.5 m11.7 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 m27.6 m42.1 m

Gross profit Margin, %

81%81%83%83%83%84%83%84%83%82%81%80%79%78%
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

26.6 m22.3 m18.8 m43.7 m41.7 m

Accounts Receivable

23.2 m185 k

Inventories

PP&E

15.7 m17 m16.6 m16.8 m16.2 m
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018Q3, 2018

Cash

14.8 m40.7 m23.5 m20.5 m16.6 m17.7 m25.7 m23.9 m26 m39.9 m36.4 m33.6 m34.8 m37.9 m

PP&E

15.5 m17.1 m17.1 m16.9 m16.8 m16.7 m17.5 m17.2 m17 m16.7 m16.5 m16.4 m15.6 m15.1 m

Goodwill

8.8 m10.3 m10.3 m10.3 m10.3 m10.3 m13.8 m13.8 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 b1.8 b1.8 b
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

8.8 m8.5 m9.8 m7.7 m7.3 m

Depreciation and Amortization

991 k959 k637 k763 k643 k

Inventories

Accounts Payable

(295 k)(2 k)64 k64 k
Quarterly
USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 2018Q3, 2018

Net Income

2 m3.5 m6.1 m2.6 m5 m2.6 m2 m2.1 m2.1 m1.9 m3.6 m5.3 m625 k3.4 m

Depreciation and Amortization

282 k166 k163 k157 k174 k223 k191 k163 k164 k

Accounts Payable

(24 k)(18 k)64 k64 k64 k64 k64 k64 k

Cash From Operating Activities

3.2 m7.2 m10.7 m3.5 m8.6 m14 m3.4 m8.2 m13.8 m5.4 m12.3 m14.6 m10.9 m18.2 m
USDY, 2018

EV/EBIT

11.2 x

EV/CFO

20.4 x

Financial Leverage

10.2 x
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ESSA Bancorp Operating Metrics

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

Non-accrual Loans

$21.91 m$15.94 m$13.75 m

Total Loans

$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
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ESSA Bancorp Online and Social Media Presence

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ESSA Bancorp Company Life and Culture

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