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.

ESSA Bancorp was founded in 1998 and is headquartered in Stroudsburg, US

ESSA Bancorp has an office in Stroudsburg

Stroudsburg, US (HQ)

Palmer St

ESSA Bancorp's revenue was reported to be $16.2 m in Q2, 2017

USD

## Revenue (Q2, 2017) | 16.2 m |

## Gross profit (Q2, 2017) | 13.1 m |

## Gross profit margin (Q2, 2017), % | 81% |

## Net income (Q2, 2017) | 3.6 m |

## EBIT (Q2, 2017) | 10.6 m |

## Market capitalization (15-Aug-2017) | 155.9 m |

## Cash (31-Mar-2017) | 36.4 m |

ESSA Bancorp's current market capitalization is $155.9 m.

USD | FY, 2013^{} | FY, 2014^{} | FY, 2015^{} | FY, 2016^{} |
---|---|---|---|---|

## Revenue | 59.1 m | 58.2 m | 62.1 m | 67.1 m |

## Revenue growth, % | (2%) | 7% | 8% | |

## Cost of goods sold | 11.3 m | 10.6 m | 10.4 m | 11.4 m |

## Gross profit | 47.9 m | 47.6 m | 51.7 m | 55.7 m |

## Gross profit Margin, % | 81% | 82% | 83% | 83% |

## Operating expense total | 32.5 m | 33.8 m | 36.9 m | 42.9 m |

## EBIT | 36.1 m | 37.8 m | 41.7 m | 44.4 m |

## EBIT margin, % | 61% | 65% | 67% | 66% |

## Pre tax profit | 11.7 m | 11.4 m | 12.7 m | 10.3 m |

## Income tax expense | 2.8 m | 2.9 m | 3 m | 2.6 m |

## Net Income | 8.8 m | 8.5 m | 9.8 m | 7.7 m |

USD | Q3, 2014^{} | Q1, 2014^{} | Q2, 2015^{} | Q3, 2015^{} | Q1, 2015^{} | Q2, 2016^{} | Q3, 2016^{} | Q1, 2016^{} | Q2, 2017^{} |
---|---|---|---|---|---|---|---|---|---|

## Revenue | 15.9 m | 15.5 m | 15.5 m | 15.5 m | 15.6 m | 17.4 m | 17 m | 16.5 m | 16.2 m |

## Cost of goods sold | 2.7 m | 2.7 m | 2.6 m | 2.6 m | 2.7 m | 2.9 m | 2.9 m | 3 m | 3.1 m |

## Gross profit | 13.2 m | 12.9 m | 12.9 m | 13 m | 12.9 m | 14.6 m | 14.2 m | 13.5 m | 13.1 m |

## Gross profit Margin, % | 83% | 83% | 83% | 84% | 83% | 84% | 83% | 82% | 81% |

## Sales and marketing expense | 243 k | 128 k | 224 k | 373 k | 87 k | 153 k | 297 k | 305 k | 241 k |

## R&D expense | 977 k | 813 k | 892 k | 861 k | 919 k | 1.1 m | 998 k | 934 k | 931 k |

## General and administrative expense | 1.1 m | 981 k | 1.1 m | 996 k | 1.1 m | 1.4 m | 1.3 m | 1.1 m | 1.2 m |

## Operating expense total | 2.3 m | 1.9 m | 2.3 m | 2.2 m | 2.1 m | 2.7 m | 2.6 m | 2.3 m | 2.4 m |

## EBIT | 10.6 m | 10.6 m | 10.5 m | 10.5 m | 10.5 m | 11.7 m | 11.3 m | 10.9 m | 10.6 m |

## EBIT margin, % | 67% | 68% | 68% | 68% | 67% | 67% | 66% | 66% | 65% |

## Pre tax profit | 3.6 m | 3.4 m | 3.3 m | 3.1 m | 2.5 m | 2.9 m | 2.9 m | 2.3 m | 1.8 m |

## Income tax expense | 976 k | 852 k | 848 k | 618 k | 566 k | 726 k | 792 k | 400 k | 203 k |

## Net Income | 6.1 m | 2.6 m | 5 m | 2.6 m | 2 m | 2.1 m | 2.1 m | 1.9 m | 3.6 m |

USD | FY, 2013^{} | FY, 2014^{} | FY, 2015^{} | FY, 2016^{} |
---|---|---|---|---|

## Cash | 26.6 m | 22.3 m | 18.8 m | 43.7 m |

## Accounts Receivable | 23.2 m | |||

## PP&E | 15.7 m | 17 m | 16.6 m | 16.8 m |

## Goodwill | 8.8 m | 10.3 m | 10.3 m | 13.8 m |

## Total Assets | 1.4 b | 1.6 b | 1.6 b | 1.8 b |

## Accounts Payable | 1.2 b | |||

## Total Debt | 129.5 m | |||

## Total Liabilities | 1.6 b | |||

## Common Stock | 181 k | 181 k | 181 k | 181 k |

## Additional Paid-in Capital | 182.4 m | 182.5 m | 182.3 m | 181.9 m |

## Retained Earnings | 71.7 m | 77.4 m | 83.7 m | 87.6 m |

## Total Equity | 166.4 m | 167.3 m | 171.3 m | 176.3 m |

## Debt to Equity Ratio | 0.7 x | |||

## Debt to Assets Ratio | 0.1 x | |||

## Financial Leverage | 8.2 x | 9.4 x | 9.4 x | 10.1 x |

USD | Q3, 2014^{} | Q1, 2014^{} | Q2, 2015^{} | Q3, 2015^{} | Q1, 2015^{} | Q2, 2016^{} | Q3, 2016^{} | Q1, 2016^{} | Q2, 2017^{} |
---|---|---|---|---|---|---|---|---|---|

## Cash | 23.5 m | 20.5 m | 16.6 m | 17.7 m | 25.7 m | 23.9 m | 26 m | 39.9 m | 36.4 m |

## PP&E | 17.1 m | 16.9 m | 16.8 m | 16.7 m | 17.5 m | 17.2 m | 17 m | 16.7 m | 16.5 m |

## Goodwill | 10.3 m | 10.3 m | 10.3 m | 10.3 m | 13.8 m | 13.8 m | 13.8 m | 13.8 m | 13.8 m |

## Total Assets | 1.6 b | 1.6 b | 1.6 b | 1.6 b | 1.8 b | 1.8 b | 1.8 b | 1.8 b | 1.8 b |

## Accounts Payable | 1.1 b | 1.1 b | 1.1 b | 1.1 b | 1.2 b | 1.2 b | 1.2 b | 1.2 b | 1.2 b |

## Common Stock | 181 k | 181 k | 181 k | 181 k | 181 k | 181 k | 181 k | 181 k | 181 k |

## Additional Paid-in Capital | 182.6 m | 182.5 m | 182.6 m | 182.4 m | 182.4 m | 182 m | 182.1 m | 181.1 m | 180.7 m |

## Retained Earnings | 75.8 m | 79.3 m | 80.8 m | 82.3 m | 84.7 m | 85.9 m | 87 m | 88.6 m | 89.3 m |

## Total Equity | 171.3 m | 169.5 m | 172.5 m | 171.3 m | 170 m | 174.6 m | 177.5 m | 171.4 m | 178.8 m |

## Financial Leverage | 9.1 x | 9.3 x | 9.2 x | 9.3 x | 10.4 x | 10.1 x | 10 x | 10.4 x | 9.8 x |

USD | FY, 2013^{} | FY, 2014^{} | FY, 2015^{} | FY, 2016^{} |
---|---|---|---|---|

## Net Income | 8.8 m | 8.5 m | 9.8 m | 7.7 m |

## Depreciation and Amortization | 991 k | 959 k | 637 k | 763 k |

## Accounts Receivable | 3 k | 3 k | 185 k | |

## Accounts Payable | (295 k) | (2 k) | 64 k | |

## Cash From Operating Activities | 23.2 m | 14.5 m | 19.3 m | 18.2 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 m | 10.6 m | 10.4 m | 11.3 m |

## Income Taxes Paid | 662 k | 662 k | 375 k | 700 k |

USD | Q3, 2014^{} | Q1, 2014^{} | Q2, 2015^{} | Q3, 2015^{} | Q1, 2015^{} | Q2, 2016^{} | Q3, 2016^{} | Q1, 2016^{} | Q2, 2017^{} |
---|---|---|---|---|---|---|---|---|---|

## Net Income | 6.1 m | 2.6 m | 5 m | 2.6 m | 2 m | 2.1 m | 2.1 m | 1.9 m | 3.6 m |

## Depreciation and Amortization | 282 k | 166 k | 163 k | 157 k | 174 k | 223 k | 191 k | 163 k | 164 k |

## Accounts Receivable | 185 k | 185 k | 185 k | 185 k | 185 k | ||||

## Accounts Payable | (18 k) | 64 k | 64 k | 64 k | 64 k | 64 k | |||

## Cash From Operating Activities | 10.7 m | 3.5 m | 8.6 m | 14 m | 3.4 m | 8.2 m | 13.8 m | 5.4 m | 12.3 m |

## Cash From Investing Activities | 9.6 m | 4.7 m | (15.9 m) | (33.3 m) | (1.7 m) | (2.7 m) | (5.2 m) | (19.5 m) | (6.1 m) |

## Cash From Financing Activities | (23.5 m) | (10.1 m) | 1.5 m | 14.6 m | 5.3 m | (421 k) | (1.4 m) | 10.3 m | (13.3 m) |

## Interest Paid | 7.8 m | 2.5 m | 5.3 m | 7.7 m | 2.5 m | 5.4 m | 8.2 m | 3 m | 6.3 m |

## Income Taxes Paid | 2 k | 2 k | 250 k | 500 k | 600 k | (325 k) | (389 k) |

USD | Y, 2017 |
---|---|

## Revenue/Employee | 56.7 k |

## Financial Leverage | 9.8 x |