ESSA Bancorp, Inc.

ESSA Bancorp, Inc.

ESSA
ESSA Bancorp, Inc.US flagNASDAQ Global Select
20.61
USD
- -
- -
209.29MMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
3.24
4.14
4.37
4.94
5.36
5.07
5.17
5.14
5.94
6.47
6.99
7.14
6.97
6.87
Basic EPS, GAAP
0.02
0.76
0.79
0.94
0.74
0.69
0.6
1.18
1.39
1.65
2.06
1.91
1.78
1.55
Free Cash Flow per Basic Share
0.41
1.94
1.27
1.77
1.64
1.78
2.16
1.62
1.81
1.91
2.27
2.05
1.39
1.35
Dividend per Share
0.2
0.2
0.26
0.34
0.36
0.36
0.36
0.4
0.44
0.47
0.54
0.6
0.62
0.62
Book Value per Share
5.91
6.22
7.17
8.02
8.45
8.61
8.7
9.56
10.9
12.52
14.27
15.63
17.17
17.57
Tangible Book Value per Share
14.79
13.42
14.3
15.23
15.39
15.76
15.14
16.27
17.09
18.85
20.31
21.16
22.72
23.37
Basic Weighted Avg Shares
11
12
11
10
10
11
11
11
10
10
10
10
10
10
Sales/Revenue/Turnover
36
48
47
52
56
54
56
55
61
64
68
69
66
65
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
2
2
2
2
2
1
2
2
2
2
2
2
Net Income, GAAP
- -
9
9
10
8
7
7
13
14
16
20
19
17
15
Effective Tax Rate (%)
13.31
24.31
25.37
23.18
25.05
17.82
46.45
16.06
18.09
17.45
19.73
19.48
18.94
19.19
Profit Margin (%)
0.6
18.43
17.97
18.94
13.87
13.66
11.65
22.88
23.46
25.51
29.39
26.74
25.56
22.59
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
191
119
151
229
231
174
119
141
14
- -
- -
- -
10
- -
Total Equity
175
166
167
171
176
183
179
190
191
202
212
220
230
236
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
0.32
12.86
11.38
12.13
9
8.19
7.04
12.82
13.38
13.84
15.21
12.75
10.76
9.07

Capital Structure

FRC

in mil. unless spec.
Sep'24
Dec'25
Mar'25
ST Debt
280
215
201
LT Borrowings
10
10
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
182
186
180

Working Capital

FRC

in mil. unless spec.
Sep'24
Dec'25
Mar'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
264
62
36
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
280
215
201
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.28%
4%
4.88%
Free Cash Flow
1.72%
-3.58%
-33.65%
Net Income, GAAP
10.57%
6.87%
-8.53%
Sales/Revenue/Turnover
3.59%
3.93%
-4.29%
Total Cash Common Dividend
7.98%
6.81%
0.79%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
18
17
17
18
69
2024
17
17
16
17
66
2025
16
16
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.5
0.48
0.45
0.47
1.91
2024
0.45
0.48
0.41
0.44
1.78
2025
0.41
0.29
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.15
0.15
0.15
0.15
0.6
2024
0.15
0.16
0.16
0.16
0.62
2025
0.15
0.15
- -
- -
- -

Company Description

APIChat
CEO
Gary S. Olson
Full Time Employees
236
Sector
Financial Services
Industry
Banks - Regional
Address
200 Palmer Street Stroudsburg PA United States of America 18360
IPO Date
Apr 4, 2007
Business
ESSA Bancorp, Inc. ESSA Bancorp, Inc. operates as the holding company for ESSA Bank & Trust, a Pennsylvania-chartered savings bank that provides retail and commercial banking services to individuals, families, and businesses primarily in eastern Pennsylvania. ESSA Bank & Trust offers deposit products including savings accounts, NOW accounts, interest-bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit, IRAs, other qualified plan accounts, and commercial checking accounts; its lending portfolio encompasses first mortgage loans for the purchase, construction, or refinancing of one-to-four family residential properties, commercial real estate loans, home equity loans and lines of credit, commercial loans, indirect auto loans, loans secured by deposits, personal unsecured loans, and construction loans. The bank also provides insurance benefits consulting services covering health, life, short-term and long-term disability, dental, vision, and 401(k) retirement planning products, as well as asset management, trust services, and investment services through third-party providers such as Ameriprise Financial. ESSA Bancorp maintains regional offices in Allentown and Radnor, Pennsylvania, and operates 20 community banking offices across Monroe, Lehigh, Northampton, Lackawanna, Luzerne, Chester, Delaware, and Montgomery counties in the greater Pocono Mountains, Lehigh Valley, Scranton/Wilkes-Barre, and suburban Philadelphia regions. Founded in 1916 as a building and loan association in Stroudsburg, Pennsylvania, where it maintains corporate headquarters at 200 Palmer Street, the company converted to a stock savings bank in 1995 and formed its current holding company structure in 2006. In a major strategic development, ESSA Bancorp merged with CNB Financial Corporation CNB Financial Corp. in July 2025, with ESSA merging into CNB and ESSA Bank & Trust integrating as an ESSA division of CNB Bank to expand service coverage in northeastern Pennsylvania, including the Lehigh Valley, while preserving local operations and leadership involvement through new board seats and an advisory board.

Company News

APIChat
  • ESSA Announces Completion of Arrangement with XenoTherapeutics

  • ESSA Securityholders Approve Acquisition by XenoTherapeutics

  • ESSA Pharma Inc. Provides Update on its Application to the Supreme Court of British Columbia for Amended Interim Order

  • K12 Tutoring Strengthens ESSA Validation with New Multi-Grade Results

  • ESSA Pharma Inc. Amends Agreement with XenoTherapeutics

  • CNB Financial Corporation Completes Merger with ESSA Bancorp, Inc.

  • ESSA Pharma Inc. Provides Update on its Application to the Supreme Court of British Columbia for Approval of an Interim Order and Cash Distribution to Shareholders

  • ESSA Pharma Inc. Announces Definitive Agreement to be Acquired by XenoTherapeutics, Inc., Backed by XOMA Royalty Corporation in All-Cash Transaction

  • CNB Financial Corporation and ESSA Bancorp, Inc. Receive Bank Regulatory Approvals for Merger

  • CNB Financial Corporation and ESSA Bancorp, Inc. Receive Bank Regulatory Approvals for Merger

  • ESSA Bancorp, Inc. Declares Quarterly Dividend

  • ESSA Pharma Reports Financial Results for Fiscal Second Quarter Ended March 31, 2025

  • K12 Tutoring Earns ESSA Level II Validation, Confirming Impact on Student Achievement

  • ESSA Bancorp, Inc. Announces Fiscal Second Quarter and Fiscal First Half 2025 Financial Results

  • CNB Financial Corporation Announces that ISS Recommends Shareholders Support the Proposal to Issue Common Stock in connection with the Merger with ESSA Bancorp, Inc., the Proposal to Approve the 2025 Omnibus Incentive Plan and the Say-on-Pay Proposal

  • Shareholders of ESSA Pharma Inc. Should Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights - EPIX

  • ESSA Pharma Inc. Class Action: Levi & Korsinsky Reminds ESSA Pharma Inc. Investors of the Pending Class Action Lawsuit with a Lead Plaintiff Deadline of March 25, 2025 - EPIX

  • ESSA Pharma Inc. Sued for Securities Law Violations - Investors Should Contact Levi & Korsinsky Before March 25, 2025 to Discuss Your Rights - EPIX

  • ESSA Pharma Inc. Sued for Securities Law Violations – Investors Should Contact Levi & Korsinsky for More Information – EPIX

  • ESSA Pharma Inc. Investors: Please contact the Portnoy Law Firm to recover your losses; March 25, 2025 Deadline to file Lead Plaintiff Motion