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.

Company Growth (employees)
Type
Public
HQ
Stroudsburg, US
Founded
1998
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)
Palmer St

ESSA Bancorp Data and Metrics

ESSA Bancorp Financial Metrics

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.
USDFY, 2013FY, 2014FY, 2015FY, 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
USDQ3, 2014Q1, 2014Q2, 2015Q3, 2015Q1, 2015Q2, 2016Q3, 2016Q1, 2016Q2, 2017

Revenue

15.9 m15.5 m15.5 m15.5 m15.6 m17.4 m17 m16.5 m16.2 m

Cost of goods sold

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

Gross profit

13.2 m12.9 m12.9 m13 m12.9 m14.6 m14.2 m13.5 m13.1 m

Gross profit Margin, %

83%83%83%84%83%84%83%82%81%

Sales and marketing expense

243 k128 k224 k373 k87 k153 k297 k305 k241 k

R&D expense

977 k813 k892 k861 k919 k1.1 m998 k934 k931 k

General and administrative expense

1.1 m981 k1.1 m996 k1.1 m1.4 m1.3 m1.1 m1.2 m

Operating expense total

2.3 m1.9 m2.3 m2.2 m2.1 m2.7 m2.6 m2.3 m2.4 m

EBIT

10.6 m10.6 m10.5 m10.5 m10.5 m11.7 m11.3 m10.9 m10.6 m

EBIT margin, %

67%68%68%68%67%67%66%66%65%

Pre tax profit

3.6 m3.4 m3.3 m3.1 m2.5 m2.9 m2.9 m2.3 m1.8 m

Income tax expense

976 k852 k848 k618 k566 k726 k792 k400 k203 k

Net Income

6.1 m2.6 m5 m2.6 m2 m2.1 m2.1 m1.9 m3.6 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

26.6 m22.3 m18.8 m43.7 m

Accounts Receivable

23.2 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

Accounts Payable

1.2 b

Total Debt

129.5 m

Total Liabilities

1.6 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

Debt to Equity Ratio

0.7 x

Debt to Assets Ratio

0.1 x

Financial Leverage

8.2 x9.4 x9.4 x10.1 x
USDQ3, 2014Q1, 2014Q2, 2015Q3, 2015Q1, 2015Q2, 2016Q3, 2016Q1, 2016Q2, 2017

Cash

23.5 m20.5 m16.6 m17.7 m25.7 m23.9 m26 m39.9 m36.4 m

PP&E

17.1 m16.9 m16.8 m16.7 m17.5 m17.2 m17 m16.7 m16.5 m

Goodwill

10.3 m10.3 m10.3 m10.3 m13.8 m13.8 m13.8 m13.8 m13.8 m

Total Assets

1.6 b1.6 b1.6 b1.6 b1.8 b1.8 b1.8 b1.8 b1.8 b

Accounts Payable

1.1 b1.1 b1.1 b1.1 b1.2 b1.2 b1.2 b1.2 b1.2 b

Common Stock

181 k181 k181 k181 k181 k181 k181 k181 k181 k

Additional Paid-in Capital

182.6 m182.5 m182.6 m182.4 m182.4 m182 m182.1 m181.1 m180.7 m

Retained Earnings

75.8 m79.3 m80.8 m82.3 m84.7 m85.9 m87 m88.6 m89.3 m

Total Equity

171.3 m169.5 m172.5 m171.3 m170 m174.6 m177.5 m171.4 m178.8 m

Financial Leverage

9.1 x9.3 x9.2 x9.3 x10.4 x10.1 x10 x10.4 x9.8 x
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

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
USDQ3, 2014Q1, 2014Q2, 2015Q3, 2015Q1, 2015Q2, 2016Q3, 2016Q1, 2016Q2, 2017

Net Income

6.1 m2.6 m5 m2.6 m2 m2.1 m2.1 m1.9 m3.6 m

Depreciation and Amortization

282 k166 k163 k157 k174 k223 k191 k163 k164 k

Accounts Receivable

185 k185 k185 k185 k185 k

Accounts Payable

(18 k)64 k64 k64 k64 k64 k

Cash From Operating Activities

10.7 m3.5 m8.6 m14 m3.4 m8.2 m13.8 m5.4 m12.3 m

Cash From Investing Activities

9.6 m4.7 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 m14.6 m5.3 m(421 k)(1.4 m)10.3 m(13.3 m)

Interest Paid

7.8 m2.5 m5.3 m7.7 m2.5 m5.4 m8.2 m3 m6.3 m

Income Taxes Paid

2 k2 k250 k500 k600 k(325 k)(389 k)
USDY, 2017

Revenue/Employee

56.7 k

Financial Leverage

9.8 x

ESSA Bancorp Market Value History

Traffic Overview of ESSA Bancorp

ESSA Bancorp Company Life and Culture

You may also be interested in