Is ESSA Bancorp, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for ESSA Bancorp, Inc. has moved from expensive to fair. The company appears fairly valued based on its current metrics. Key ratios include a P/E ratio of 21, a Price to Book Value of 1.41, and an EV to EBIT of 26.78. In comparison, Hingham Institution for Savings has a P/E of 18.15, while Third Coast Bancshares, Inc. stands out with a very attractive P/E of 9.69.
In terms of recent performance, ESSA Bancorp's stock has returned 5.69% year-to-date, significantly lagging behind the S&P 500's 12.22% return, which suggests that while the valuation is fair, the stock may not be keeping pace with broader market trends.