$185.4 M

ESSA Mkt cap, 22-Jun-2018

$35.1 M

ESSA Bancorp Revenue Q2, 2018
ESSA Bancorp Gross profit (Q2, 2018)27.6 M
ESSA Bancorp Gross profit margin (Q2, 2018), %78.6%
ESSA Bancorp Net income (Q2, 2018)625 K
ESSA Bancorp EBIT (Q2, 2018)21.6 M
ESSA Bancorp Cash, 31-Mar-201834.8 M
ESSA Bancorp EV392 M

ESSA Bancorp Financials

ESSA Bancorp Income Statement

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

Gross profit Margin, %

81%82%83%83%

Sales and marketing expense

1.1 m

R&D expense

3.7 m

General and administrative expense

4.5 m

Operating expense total

41.4 m

Depreciation and amortization

643 k

EBIT

36.1 m37.8 m41.7 m44.4 m42.2 m

EBIT margin, %

61%65%67%66%

Pre tax profit

11.7 m11.4 m12.7 m10.3 m8.9 m

Income tax expense

2.8 m2.9 m3 m2.6 m1.6 m

Net Income

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

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 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 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 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 m

Gross profit Margin, %

81%81%83%83%83%84%83%84%83%82%81%80%79%

Sales and marketing expense

106 k114 k243 k128 k224 k373 k87 k153 k297 k305 k241 k254 k359 k

R&D expense

680 k769 k977 k813 k892 k861 k919 k1.1 m998 k934 k931 k908 k1.8 m

General and administrative expense

918 k1.1 m1.1 m981 k1.1 m996 k1.1 m1.4 m1.3 m1.1 m1.2 m1.1 m2.4 m

Operating expense total

7.7 m7.9 m9.1 m9 m9.1 m9.4 m9.8 m11.1 m10.7 m10.4 m10.5 m10.3 m20.3 m

Depreciation and amortization

279 k

EBIT

8.7 m8.2 m10.6 m10.6 m10.5 m10.5 m10.5 m11.7 m11.3 m10.9 m10.6 m10.4 m21.6 m

EBIT margin, %

63%62%67%68%68%68%67%67%66%66%65%63%61%

Pre tax profit

2.6 m2.1 m3.6 m3.4 m3.3 m3.1 m2.5 m2.9 m2.9 m2.3 m1.8 m2.2 m5.2 m

Income tax expense

616 k554 k976 k852 k848 k618 k566 k726 k792 k400 k203 k448 k4.6 m

Net Income

2 m1.5 m2.6 m2.6 m2.4 m2.5 m2 m2.1 m2.1 m1.9 m1.6 m1.8 m625 k

ESSA Bancorp Balance Sheet

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

Goodwill

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

Total Assets

1.4 b1.6 b1.6 b1.8 b1.8 b

Accounts Payable

1.2 b1.3 b

Short-term debt

23 m108 m91.3 m129.5 m137.4 m

Long-term debt

Total Debt

129.5 m137.4 m

Total Liabilities

1.6 b1.6 b

Common Stock

181 k181 k181 k181 k181 k

Preferred Stock

Additional Paid-in Capital

182.4 m182.5 m182.3 m181.9 m180.8 m

Retained Earnings

71.7 m77.4 m83.7 m87.6 m91.1 m

Total Equity

166.4 m167.3 m171.3 m176.3 m182.7 m

Debt to Equity Ratio

0.7 x0.8 x

Debt to Assets Ratio

0.1 x0.1 x

Financial Leverage

8.2 x9.4 x9.4 x10.1 x9.8 x

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 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 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 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 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 b

Accounts Payable

996.4 m998.4 m1.1 b1.1 b1.1 b1.1 b1.2 b1.2 b1.2 b1.2 b1.2 b1.2 b1.2 b

Short-term debt

33 m38 m78.7 m110.9 m110 m120.9 m84.1 m126.2 m153.2 m174.9 m121 m145.7 m241.3 m

Total Debt

33 m38 m78.7 m110.9 m110 m120.9 m84.1 m126.2 m153.2 m174.9 m121 m145.7 m241.3 m

Total Liabilities

1.2 b1.2 b1.4 b1.4 b1.4 b1.4 b1.6 b1.6 b1.6 b1.6 b1.6 b1.6 b1.6 b

Common Stock

181 k181 k181 k181 k181 k181 k181 k181 k181 k181 k181 k181 k181 k

Preferred Stock

Additional Paid-in Capital

182.5 m182.6 m182.6 m182.5 m182.6 m182.4 m182.4 m182 m182.1 m181.1 m180.7 m180.8 m180.5 m

Retained Earnings

73.2 m73.9 m75.8 m79.3 m80.8 m82.3 m84.7 m85.9 m87 m88.6 m89.3 m90.1 m90.2 m

Total Equity

166.5 m167.7 m171.3 m169.5 m172.5 m171.3 m170 m174.6 m177.5 m171.4 m178.8 m180.6 m177.4 m

Financial Leverage

8.1 x8.1 x9.1 x9.3 x9.2 x9.3 x10.4 x10.1 x10 x10.4 x9.8 x9.8 x10.3 x

ESSA Bancorp Cash Flow

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

Accounts Receivable

3 k3 k185 k185 k

Inventories

Accounts Payable

(295 k)(2 k)64 k64 k

Cash From Operating Activities

23.2 m14.5 m19.3 m18.2 m19.5 m

Cash From Investing Activities

34.2 m(9.7 m)(40.4 m)4.7 m(30.2 m)

Cash From Financing Activities

(46.3 m)(9.1 m)2.1 m8.8 m

Interest Paid

11.6 m10.6 m10.4 m11.3 m12.8 m

Income Taxes Paid

662 k662 k375 k700 k(389 k)

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q2, 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 k

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

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 m

Cash From Investing Activities

1.5 m25 m9.6 m4.7 m(15.9 m)(33.3 m)(1.7 m)(2.7 m)(5.2 m)(19.5 m)(6.1 m)(15.4 m)(57.6 m)

Cash From Financing Activities

(16.5 m)(18.2 m)(23.5 m)(10.1 m)1.5 m14.6 m5.3 m(421 k)(1.4 m)10.3 m(13.3 m)(9.3 m)39.8 m

Interest Paid

2.4 m5.3 m7.8 m2.5 m5.3 m7.7 m2.5 m5.4 m8.2 m3 m6.3 m9.2 m7.5 m

Income Taxes Paid

2 k2 k2 k250 k500 k600 k(325 k)(389 k)(389 k)(2 k)

ESSA Bancorp Ratios

USDY, 2018

EV/EBIT

18.1 x

EV/CFO

36 x

Financial Leverage

10.3 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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