Fundamental Analysis of ESSA Bancorp Inc - Growth / Value Index
ESSA - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.141
Price to Book Ratio is 0.192 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 9.72 | 9.35 | 5.91 % | |
| Price to Book | 0.200 | 0.091 | -89.15 % | 0.758 |
| Price to Sales | 1.97 | 2.51 | -3.51 % | |
| Enterprise Value to EBITDA Multiple | 27.88 | 19.90 | 48.12 % |
ESSA - Profitability Highlights
Profitability Analysis
Earning Yield of 10.70 %
Excellent Net Margin for last 3 years
All key Trailing Twelve Months Margin growing by 15 %
Piotroski F Score - Stable Value of 5.0
Reasonable Dividend Yield of 3.46 %
Steady Growth in EPS for last four quarters
Good Net Margin of 20.29% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 8.14 | 8.45 | -10.55 % | 2.04 |
| Return On Asset | 0.824 | 0.810 | -24.86 % | 0.208 |
| Net Profit Margin | 20.29 | 26.81 | -8.89 % | 16.50 |
| Operating Profit Margin | 25.89 | 33.29 | -9.18 % | 22.27 |
| EBITDA Margin | 19.07 | 33.56 | -19.05 % | 0.159 |
Highlights
| Market Cap | 180442 K |
| Enterprise Value | 469692 K |
| Price/Book TTM | 0.200 |
| Outstanding Share | 10131.50 K |
| Float/ Outstanding Share | 66.75% |
| Dividend Yield | 3.37 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.198 |
| Peter Lynch Ratio | -0.570 |
| Piotroski F Score | 5.00 |
| Altman Z Score | 0.446 |
| Sloan Ratio | -0.0010 |
| Peter Lynch Fair Value | 0 |
ESSA - Growth Highlights
Growth Analysis
Short term positive trend in total sale and net profit
Annual sales of the company is increased for three years in a row
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 88319.00 K | 1.59 % | 6.00 % |
| Gross Profit | 88319.00 K | 1.49 % | 6.00 % |
| EBITDA | 16846.00 K | 17.76 % | 99.18 % |
| Net Profit | 17924.00 K | 7.44 % | 5.19 % |
| EPS | 1.83 | 5.58 % | NA |
ESSA - Stability Highlights
Stability Analysis
Tsr Stability Index - Very Poor Score of 14.06
Altman Z Score of 0.435 suggest high risk
Company has high debt burden
Interest Coverage of 0.983
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.71 | 56.87 % | 2.14 |
| Cash Ratio | 1.12 | 9.23 % | |
| Quick Ratio | 5.84 | -18.99 % | 4.00 |
| Shareholders Equity | 9.58 | -15.99 % | |
| Debt to EBITDA | 16.11 | 97.38 % |
Historical Valuation Ratios of ESSA Bancorp Inc
Historical Valuation Ratios
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Historical Profitability Ratios of ESSA Bancorp Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of ESSA Bancorp Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of ESSA Bancorp Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)