Is ESSA Bancorp Stock a Good Investment?
ESSA Bancorp Investment Advice | ESSA |
- Examine ESSA Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research ESSA Bancorp's leadership team and their track record. Good management can help ESSA Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact ESSA Bancorp's business and its evolving consumer preferences.
- Compare ESSA Bancorp's performance and market position to its competitors. Analyze how ESSA Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if ESSA Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about ESSA Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in ESSA Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if ESSA Bancorp is a good investment.
Sell | Buy |
Hold
Market Performance | OK | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine ESSA Bancorp Stock
Researching ESSA Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.94. Some equities with similar Price to Book (P/B) outperform the market in the long run. ESSA Bancorp last dividend was issued on the 16th of December 2024.
To determine if ESSA Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding ESSA Bancorp's research are outlined below:
| ESSA Bancorp has a poor financial position based on the latest SEC disclosures | |
| About 15.0% of the company shares are held by company insiders | |
| Latest headline from news.google.com: ESSA Bancorp stock hits 52-week high at 21.61 amid growth - Investing.com |
ESSA Bancorp Quarterly Good Will |
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ESSA Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in ESSA Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to ESSA Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 24th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of October 2024 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 30th of September 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact ESSA Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises ESSA Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2011-07-27 | 2011-06-30 | 0.1 | 0.11 | 0.01 | 10 | ||
2011-04-27 | 2011-03-31 | 0.09 | 0.1 | 0.01 | 11 | ||
2012-04-25 | 2012-03-31 | 0.08 | 0.06 | -0.02 | 25 | ||
2011-01-26 | 2010-12-31 | 0.07 | 0.09 | 0.02 | 28 | ||
2010-07-28 | 2010-06-30 | 0.11 | 0.09 | -0.02 | 18 | ||
2009-01-28 | 2008-12-31 | 0.11 | 0.13 | 0.02 | 18 | ||
2019-07-24 | 2019-06-30 | 0.26 | 0.29 | 0.03 | 11 | ||
2015-10-28 | 2015-09-30 | 0.21 | 0.24 | 0.03 | 14 |
ESSA Bancorp Target Price Consensus
ESSA target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. ESSA Bancorp's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| One | Hold |
Most ESSA analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand ESSA stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of ESSA Bancorp, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationESSA Bancorp Target Price Projection
ESSA Bancorp's current and average target prices are 20.91 and 18.00, respectively. The current price of ESSA Bancorp is the price at which ESSA Bancorp is currently trading. On the other hand, ESSA Bancorp's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
ESSA Bancorp Market Quote on 1st of February 2025
Target Price
Analyst Consensus On ESSA Bancorp Target Price
ESSA Bancorp Analyst Ratings
ESSA Bancorp's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about ESSA Bancorp stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of ESSA Bancorp's financials, market performance, and future outlook by experienced professionals. ESSA Bancorp's historical ratings below, therefore, can serve as a valuable tool for investors.Know ESSA Bancorp's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as ESSA Bancorp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading ESSA Bancorp backward and forwards among themselves. ESSA Bancorp's institutional investor refers to the entity that pools money to purchase ESSA Bancorp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-09-30 | 67.5 K | Pinnacle Holdings, Llc | 2024-09-30 | 58.7 K | Philadelphia Trust Co | 2024-09-30 | 51.9 K | Empowered Funds, Llc | 2024-09-30 | 47.6 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 41.9 K | Panagora Asset Management Inc | 2024-09-30 | 28.7 K | Citadel Advisors Llc | 2024-09-30 | 25.7 K | Envestnet Asset Management Inc | 2024-09-30 | 25 K | Mercer Global Advisors Inc. | 2024-09-30 | 25 K | Fj Capital Management Llc | 2024-09-30 | 942 K | Blackrock Inc | 2024-09-30 | 512.7 K |
ESSA Bancorp's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 212.44 M.Market Cap |
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ESSA Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.04 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.11 | 0.12 |
Determining ESSA Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if ESSA Bancorp is a good buy. For example, gross profit margin measures ESSA Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of ESSA Bancorp's profitability and make more informed investment decisions.
Please note, the presentation of ESSA Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, ESSA Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of ESSA Bancorp's management manipulating its earnings.
Evaluate ESSA Bancorp's management efficiency
At present, ESSA Bancorp's Return On Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.01, whereas Return On Capital Employed is forecasted to decline to 0.03. At present, ESSA Bancorp's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 2.8 B, whereas Total Assets are forecasted to decline to about 1.5 B. ESSA Bancorp's management efficiency ratios could be used to measure how well ESSA Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 2.50 | 2.38 | |
| Tangible Book Value Per Share | 2.50 | 2.38 | |
| Enterprise Value Over EBITDA | 8.01 | 10.77 | |
| Price Book Value Ratio | 4.71 | 4.95 | |
| Enterprise Value Multiple | 8.01 | 10.77 | |
| Price Fair Value | 4.71 | 4.95 | |
| Enterprise Value | 171.3 M | 162.7 M |
Leadership at ESSA Bancorp emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Basic technical analysis of ESSA Stock
As of the 1st of February, ESSA Bancorp shows the Market Risk Adjusted Performance of 0.8925, downside deviation of 2.15, and Mean Deviation of 1.39. ESSA Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.ESSA Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific ESSA Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on ESSA Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases ESSA Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
ESSA Bancorp's Outstanding Corporate Bonds
ESSA Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. ESSA Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most ESSA bonds can be classified according to their maturity, which is the date when ESSA Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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| ESPR 4 15 NOV 25 Corp BondUS29664WAB19 | View | |
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Understand ESSA Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing ESSA Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0717 | |||
| Market Risk Adjusted Performance | 0.8925 | |||
| Mean Deviation | 1.39 | |||
| Semi Deviation | 1.99 | |||
| Downside Deviation | 2.15 | |||
| Coefficient Of Variation | 1261.8 | |||
| Standard Deviation | 1.88 | |||
| Variance | 3.54 | |||
| Information Ratio | 0.0261 | |||
| Jensen Alpha | 0.1249 | |||
| Total Risk Alpha | (0.06) | |||
| Sortino Ratio | 0.0229 | |||
| Treynor Ratio | 0.8825 | |||
| Maximum Drawdown | 12.57 | |||
| Value At Risk | (3.07) | |||
| Potential Upside | 2.44 | |||
| Downside Variance | 4.63 | |||
| Semi Variance | 3.96 | |||
| Expected Short fall | (1.29) | |||
| Skewness | (0.08) | |||
| Kurtosis | 2.47 |
| Risk Adjusted Performance | 0.0717 | |||
| Market Risk Adjusted Performance | 0.8925 | |||
| Mean Deviation | 1.39 | |||
| Semi Deviation | 1.99 | |||
| Downside Deviation | 2.15 | |||
| Coefficient Of Variation | 1261.8 | |||
| Standard Deviation | 1.88 | |||
| Variance | 3.54 | |||
| Information Ratio | 0.0261 | |||
| Jensen Alpha | 0.1249 | |||
| Total Risk Alpha | (0.06) | |||
| Sortino Ratio | 0.0229 | |||
| Treynor Ratio | 0.8825 | |||
| Maximum Drawdown | 12.57 | |||
| Value At Risk | (3.07) | |||
| Potential Upside | 2.44 | |||
| Downside Variance | 4.63 | |||
| Semi Variance | 3.96 | |||
| Expected Short fall | (1.29) | |||
| Skewness | (0.08) | |||
| Kurtosis | 2.47 |
Consider ESSA Bancorp's intraday indicators
ESSA Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of ESSA Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Daily Balance Of Power | (9,223,372,036,855) | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 20.91 | |||
| Day Typical Price | 20.91 | |||
| Price Action Indicator | (0.01) | |||
| Period Momentum Indicator | (0.01) |
ESSA Bancorp Corporate Filings
8K | 30th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10K | 28th of January 2025 An amendment to a previously filed Form 10-K | ViewVerify |
10K | 13th of December 2024 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
13A | 8th of November 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
ESSA Stock media impact
Far too much social signal, news, headlines, and media speculation about ESSA Bancorp that are available to investors today. That information is available publicly through ESSA media outlets and privately through word of mouth or via ESSA internal channels. However, regardless of the origin, that massive amount of ESSA data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of ESSA Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of ESSA Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to ESSA Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive ESSA Bancorp alpha.
ESSA Bancorp Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards ESSA Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
ESSA Bancorp Corporate Management
| Thomas Grayuski | VP of Human Resource Services Division and VP of Human Resource Services Division - Essa Bank and Trust | Profile | |
| Stephanie Lefferson | Corporate Relations | Profile | |
| James Fareri | General Counsel | Profile | |
| Robert Selitto | Senior Controller | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in ESSA Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state. For information on how to trade ESSA Stock refer to our How to Trade ESSA Stock guide.You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ESSA Bancorp. If investors know ESSA will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ESSA Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.06) | Earnings Share 1.78 | Revenue Per Share | Quarterly Revenue Growth (0.04) | Return On Assets |
The market value of ESSA Bancorp is measured differently than its book value, which is the value of ESSA that is recorded on the company's balance sheet. Investors also form their own opinion of ESSA Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ESSA Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ESSA Bancorp's market value can be influenced by many factors that don't directly affect ESSA Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between ESSA Bancorp's value and its price, as these two are different measures arrived at by various means. Investors typically determine if ESSA Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ESSA Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.