$189.2 M

ESSA Mkt cap, 04-Dec-2018

$18.6 M

ESSA Bancorp Revenue Q3, 2018
ESSA Bancorp Gross profit (Q3, 2018)14.5 M
ESSA Bancorp Gross profit margin (Q3, 2018), %77.7%
ESSA Bancorp Net income (Q3, 2018)2.8 M
ESSA Bancorp EBIT (Q3, 2018)11.6 M
ESSA Bancorp Cash, 30-Jun-201837.9 M
ESSA Bancorp EV371.3 M

ESSA Bancorp Revenue

ESSA Bancorp revenue was $66.52 m in FY, 2017

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ESSA Bancorp Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

59.1m58.2m62.1m67.1m66.5m

Revenue growth, %

(2%)7%8%

Cost of goods sold

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

Gross profit

47.9m47.6m51.7m55.7m53.7m

Gross profit Margin, %

81%82%83%83%81%

Sales and marketing expense

574.0k974.0k1.1m1.1m

R&D expense

2.9m3.4m4.0m3.7m

General and administrative expense

3.9m4.2m5.1m4.5m

Operating expense total

32.5m36.9m42.9m41.4m

Depreciation and amortization

991.0k637.0k763.0k643.0k

EBIT

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

EBIT margin, %

61%65%67%66%63%

Pre tax profit

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

Income tax expense

2.8m2.9m3.0m2.6m1.6m

Net Income

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

ESSA Bancorp Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

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

Accounts Receivable

23.2m185.0k

Inventories

PP&E

15.7m17.0m16.6m16.8m16.2m

Goodwill

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

Total Assets

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

Accounts Payable

1.0b1.1b1.2b1.3b

Short-term debt

23.0m108.0m91.3m129.5m137.4m

Long-term debt

Total Debt

23.0m91.3m129.5m137.4m

Total Liabilities

1.2b1.4b1.6b1.6b

Common Stock

181.0k181.0k181.0k181.0k181.0k

Preferred Stock

Additional Paid-in Capital

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

Retained Earnings

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

Total Equity

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

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

ESSA Bancorp Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

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

Depreciation and Amortization

991.0k959.0k637.0k763.0k643.0k

Accounts Receivable

3.0k3.0k185.0k185.0k

Inventories

Accounts Payable

(295.0k)(2.0k)64.0k64.0k

Cash From Operating Activities

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

Cash From Investing Activities

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

Cash From Financing Activities

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

Interest Paid

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

Income Taxes Paid

662.0k662.0k375.0k700.0k(389.0k)

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

2.0m3.5m6.1m2.6m5.0m2.6m2.0m4.1m2.1m1.9m3.6m5.3m(1.6m)625.0k3.4m

Depreciation and Amortization

282.0k166.0k163.0k157.0k174.0k223.0k191.0k163.0k164.0k

Accounts Receivable

185.0k185.0k185.0k185.0k185.0k185.0k

Accounts Payable

(24.0k)(18.0k)64.0k64.0k64.0k64.0k64.0k64.0k

Cash From Operating Activities

3.2m7.2m10.7m3.5m8.6m14.0m3.4m8.2m13.8m5.4m12.3m14.6m5.9m10.9m18.2m

Cash From Investing Activities

1.5m25.0m9.6m4.7m(15.9m)(33.3m)(1.7m)(2.7m)(5.2m)(19.5m)(6.1m)(15.4m)(47.4m)(57.6m)(64.9m)

Cash From Financing Activities

(16.5m)(18.2m)(23.5m)(10.1m)1.5m14.6m5.3m(421.0k)(1.4m)10.3m(13.3m)(9.3m)38.6m39.8m42.9m

Interest Paid

2.4m5.3m7.8m2.5m5.3m7.7m2.5m5.4m8.2m3.0m6.3m9.2m3.4m7.5m11.4m

Income Taxes Paid

2.0k2.0k2.0k250.0k500.0k600.0k(325.0k)(389.0k)(389.0k)(2.0k)(2.0k)(2.0k)

ESSA Bancorp Ratios

USDY, 2018

EV/EBIT

32 x

EV/CFO

20.4 x

Debt/Equity

1.2 x

Debt/Assets

0.1 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 Employee Rating

3.37 votes
Culture & Values
2.6
Work/Life Balance
3.3
Senior Management
2.1
Salary & Benefits
3.0
Career Opportunities
2.3
Source