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ESSA Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Savings Banks
  • ISIN: US29667D1046
USD
20.61
0.00 (0.00%)

Jul 25

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Ponce Financial Group, Inc.
Hingham Institution for Savings
Third Coast Bancshares, Inc.
Provident Bancorp, Inc. (Massachusetts)
Northfield Bancorp, Inc. (New Jersey)
Greene County Bancorp, Inc.
Timberland Bancorp, Inc. (Washington)
FS Bancorp, Inc.
Blue Foundry Bancorp
ESSA Bancorp, Inc.
William Penn Bancorp
Why is ESSA Bancorp, Inc. ?
1
Flat results in Mar 25
  • OPERATING CASH FLOW(Y) Lowest at USD 12.26 MM
  • NET SALES(Q) Lowest at USD 25.63
  • OPERATING PROFIT(Q) Lowest at USD 4.51
2
Underperformed the market in the last 1 year
  • The stock has generated a return of 2.33% in the last 1 year, much lower than market (S&P 500) returns of 17.04%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is ESSA Bancorp, Inc. for you?

Medium Risk, Medium Return

Absolute
Risk Adjusted
Volatility
ESSA Bancorp, Inc.
2.33%
0.86
30.75%
S&P 500
13.22%
0.85
20.15%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
9.26%
EBIT Growth (5y)
2.24%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.66%
Pledged Shares
0
Institutional Holding
50.17%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
1.41
EV to EBIT
26.78
EV to EBITDA
24.85
EV to Capital Employed
1.25
EV to Sales
4.63
PEG Ratio
NA
Dividend Yield
187.71%
ROCE (Latest)
4.67%
ROE (Latest)
6.60%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bullish
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
GROSS NPA (%)

(Q

DIVIDEND PAYOUT RATIO(Y)

Highest at 52.43%

-9What is not working for the Company
OPERATING CASH FLOW(Y)

Lowest at USD 12.26 MM

NET SALES(Q)

Lowest at USD 25.63 MM

OPERATING PROFIT(Q)

Lowest at USD 4.51 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 17.58 %

PRE-TAX PROFIT(Q)

Lowest at USD 4.51 MM

NET PROFIT(Q)

Lowest at USD 3.56 MM

EPS(Q)

Lowest at USD 0.29

Here's what is working for ESSA Bancorp, Inc.
Non Performing Loans (%)
Lowest at 0.46% and Fallen
In each half year in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend Payout Ratio
Highest at 52.43%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for ESSA Bancorp, Inc.
Operating Cash Flow
Lowest at USD 12.26 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales
Lowest at USD 25.63 MM
in the last five periods
MOJO Watch
Near term sales trend is negative

Net Sales (USD MM)

Operating Profit
Lowest at USD 4.51 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin
Lowest at 17.58 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at USD 4.51 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit
Lowest at USD 3.56 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (USD MM)

EPS
Lowest at USD 0.29
in the last five periods
MOJO Watch
Declining profitability; company has created lower earnings for shareholders

EPS (USD)

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