ESSA Bancorp

ESSA Bancorp, Inc. is the Pennsylvania-chartered stock holding company of ESSA Bank & Trust (the Bank). 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 and trust services. The Company also offers investment services. It offers insurance benefit consulting services through its subsidiary, ESSA Advisory Services, LLC.

Type
Public
HQ
Stroudsburg, US
Founded
1998
Size (employees)
285 (est)+15%
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)
Palmer St

ESSA Bancorp Data and Metrics

ESSA Bancorp Financial Metrics

ESSA Bancorp's revenue was reported to be $67.1 m in 2016 which is a 8% increase from the previous period.
Numbers are in $, USD

Revenue (Y, 2016)

67.1 m

Revenue growth (Y, 2015 - Y, 2016), %

8%

Gross profit (Y, 2016)

55.7 m

Gross profit margin (Y, 2016), %

83%

Net income (Y, 2016)

7.7 m

EBIT (Y, 2016)

44.4 m

Market capitalization (21-Jun-2017)

160.7 m

Closing share price (21-Jun-2017)

15.5

Cash (30-Sep-2016)

43.7 m
ESSA Bancorp's current market capitalization is $160.7 m.
FY, 2013FY, 2014Y, 2015Y, 2016

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 m

Gross profit

47.9 m47.6 m51.7 m55.7 m

Gross profit Margin, %

81%82%83%83%

Operating expense total

32.5 m33.8 m36.9 m42.9 m

EBIT

36.1 m37.8 m41.7 m44.4 m

EBIT margin, %

61%65%67%66%

Pre tax profit

11.7 m11.4 m12.7 m10.3 m

Income tax expense

2.8 m2.9 m3 m2.6 m

Net Income

8.8 m8.5 m9.8 m7.7 m
FY, 2013FY, 2014FY, 2015FY, 2016

Cash

26.6 m22.3 m18.8 m43.7 m

PP&E

15.7 m17 m16.6 m16.8 m

Goodwill

8.8 m10.3 m10.3 m13.8 m

Total Assets

1.4 b1.6 b1.6 b1.8 b

Common Stock

181 k181 k181 k181 k

Additional Paid-in Capital

182.4 m182.5 m182.3 m181.9 m

Retained Earnings

71.7 m77.4 m83.7 m87.6 m

Total Equity

166.4 m167.3 m171.3 m176.3 m

Financial Leverage

8.2 x9.4 x9.4 x10.1 x
FY, 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

Cash From Operating Activities

23.2 m14.5 m19.3 m18.2 m

Cash From Investing Activities

34.2 m(9.7 m)(40.4 m)4.7 m

Cash From Financing Activities

(46.3 m)(9.1 m)2.1 m

Interest Paid

11.6 m10.6 m10.4 m11.3 m

Income Taxes Paid

662 k662 k375 k700 k
Numbers are in $, USDY, 2016

Revenue/Employee

270.8 k

Financial Leverage

10.1 x

ESSA Bancorp Market Value History

ESSA Bancorp Company Life and Culture

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