ESSA Bancorp, Inc.

ESSA

ESSAESSA Bancorp, Inc. US flag

NASDAQ Global Select

20.61

USD

- -

209.29MMarket Cap

Income Statement (USD)

API Chat

	2010 Y	2011 Y	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
Sales/Revenue/Turnover	35	35	36	48	47	52	56	54	56	55	61	64	68	69	66
+ Sales & Services Revenue	35	35	36	48	47	52	56	54	56	55	61	64	68	69	66
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	18	17	17	21	21	23	26	26	25	25	25	28	28	28	29
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-18	-17	-17	-21	-21	-23	-26	-26	-25	-25	-25	-28	-28	-28	-29
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-7	- -	-12	-11	-13	-10	-9	-12	-15	-18	-20	-25	-23	-21
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-7	- -	-12	-11	-13	-10	-9	-12	-15	-18	-20	-25	-23	-21
Pretax Income	6	7	- -	12	11	13	10	9	12	15	18	20	25	23	21
- Income Tax Expense (Benefit)	2	2	- -	3	3	3	3	2	6	2	3	3	5	4	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	5	5	- -	9	9	10	8	7	7	13	14	16	20	19	17
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	5	5	- -	9	9	10	8	7	7	13	14	16	20	19	17
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	5	5	- -	9	9	10	8	7	7	13	14	16	20	19	17
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	5	5	- -	9	9	10	8	7	7	13	14	16	20	19	17
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
EBITDA Margin (%)	3.54	3.46	3.97	4.46	4.69	3.8	4.35	3.63	2.94	2.53	3.6	3.4	3.19	3.04	3.17
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	13.02	14.93	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
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.21	0.2	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
Depreciation Expense	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
Basic Weighted Avg Shares	13	11	11	12	11	10	10	11	11	11	10	10	10	10	10
Basic EPS, GAAP	0.36	0.46	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
Basic EPS from Cont Ops	0.36	0.46	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
Diluted Weighted Avg Shares	13	11	11	12	11	11	11	11	11	11	10	10	10	10	10
Diluted EPS, GAAP	0.36	0.46	0.02	0.76	0.79	0.93	0.73	0.69	0.6	1.18	1.39	1.65	2.06	1.91	1.78
Diluted EPS from Cont Ops	0.36	0.46	0.02	0.76	0.79	0.93	0.73	0.69	0.6	1.18	1.39	1.65	2.06	1.91	1.78

Balance Sheet (USD)

API Chat

	2010 Y	2011 Y	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
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	11	42	346	344	407	400	435	433	415	366	368	400	237	419	264
+ Cash & Cash Equivalents	11	42	17	28	24	21	45	42	44	52	156	159	28	85	49
+ ST Investments	- -	- -	330	316	383	379	390	390	371	313	212	241	209	334	216
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-11	-42	-346	-344	-407	-400	-435	-433	-415	-366	-368	-400	-237	-419	-264
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	12	11	16	16	17	17	17	16	15	14	14	14	13	13	11
+ Property, Plant & Equip	23	23	29	30	32	33	34	35	34	35	35	36	36	37	36
- Accumulated Depreciation	11	12	13	14	15	16	17	19	19	20	21	22	23	24	25
+ LT Investments & Receivables	265	245	330	316	383	379	390	390	371	313	212	262	266	386	263
+ LT Investments	265	245	330	316	383	379	390	390	371	313	212	262	266	386	263
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-277	-257	-346	-331	-400	-396	-407	-407	-386	-328	-227	-276	-279	-399	-274
+ Total Intangible Assets	- -	2	12	11	13	12	16	16	15	15	15	14	14	14	14
+ Goodwill	- -	- -	9	9	10	10	14	14	14	14	14	14	14	14	14
+ Other Intangible Assets	- -	2	3	2	2	2	2	2	1	1	1	1	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-277	-259	-358	-343	-413	-408	-424	-422	-401	-343	-241	-290	-293	-413	-288
Total Assets	1,072	1,097	1,419	1,372	1,575	1,607	1,772	1,785	1,834	1,799	1,894	1,861	1,862	2,293	2,188
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	15	4	43	23	108	91	129	137	180	108	112	- -	231	375	280
+ ST Borrowings	15	4	43	23	108	91	129	137	180	108	112	- -	231	375	280
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-15	-4	-43	-23	-108	-91	-129	-137	-180	-108	-112	- -	-231	-375	-280
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-15	-4	-43	-23	-108	-91	-129	-137	-180	-108	-112	- -	-231	-375	-280
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	335	284	191	119	151	229	231	174	119	141	14	- -	- -	- -	10
+ LT Borrowings	335	284	191	119	151	229	231	174	119	141	14	- -	- -	- -	10
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-335	-284	-191	-119	-151	-229	-231	-174	-119	-141	-14	- -	- -	- -	-10
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-335	-284	-191	-119	-151	-229	-231	-174	-119	-141	-14	- -	- -	- -	-10
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	900	936	1,243	1,206	1,408	1,435	1,596	1,602	1,655	1,610	1,702	1,660	1,649	2,074	1,957
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	165	167	181	183	183	182	182	181	181	181	182	182	182	183	183
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	164	167	181	182	182	182	182	181	181	181	181	182	182	183	183
- Treasury Stock	45	62	62	76	80	83	82	80	78	85	91	98	100	100	104
+ Retained Earnings	64	67	65	72	77	84	88	91	94	102	113	124	139	152	163
+ Other Equity	-1	1	2	-1	-3	-2	-2	-1	-10	-1	-4	1	-3	-9	-7
Equity Before Minority Interest	172	162	175	166	167	171	176	183	179	190	191	202	212	220	230
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	172	162	175	166	167	171	176	183	179	190	191	202	212	220	230
Total Liabilities & Equity	1,072	1,097	1,419	1,372	1,575	1,607	1,772	1,785	1,834	1,799	1,894	1,861	1,862	2,293	2,188
Shares Outstanding	13	12	13	12	12	11	11	12	12	11	11	10	10	10	10
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	339	247	218	114	235	300	315	269	254	196	-30	-159	203	289	241
Net Debt to Equity	197.63	152.6	124.24	68.4	140.61	175.11	178.71	147.45	142.01	103.45	-15.7	-78.76	95.54	131.65	104.77
Tangible Common Equity Ratio	16.01	14.59	11.62	11.4	9.9	9.99	9.11	9.44	9.02	9.79	9.41	10.15	10.73	9.03	9.96
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2010 Y	2011 Y	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
+ Net Income	5	5	- -	9	9	10	8	7	7	13	14	16	20	19	17
+ Depreciation & Amortization	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
+ Non-Cash Items	3	3	5	5	5	7	8	10	16	4	5	- -	2	-1	-4
+ Stock-Based Compensation	3	3	3	2	1	1	1	1	1	1	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	2	1	1	1	- -	1	5	1	- -	1	- -	- -	2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	1	2	3	6	7	9	10	2	4	-2	1	-3	-8
+ Chg in Non-Cash Work Cap	-1	1	-2	7	-1	- -	- -	- -	-1	- -	-2	- -	-1	1	-1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	1	-1	- -	-1	- -	- -	- -	-1	1	-1	-3	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-1	1	-1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	5	-1
+ Inc (Dec) in Other	- -	- -	- -	5	- -	- -	1	- -	- -	- -	-1	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	7	10	5	23	14	19	18	19	23	18	20	19	23	21	13
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-3	-1	-1	-1	-1	-1	-1	- -	-1	-1	- -	-1	-1	- -
+ Acq of Fixed Prod Assets	-3	- -	-1	-1	-1	-1	-1	-1	- -	-1	-1	- -	-1	-1	- -
+ Acq of Intangible Assets	- -	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-17	-17	- -	-15	-4	-3	- -	- -	- -	-8	-7	-7	-2	- -	-5
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-17	-17	- -	-15	-4	-3	- -	- -	- -	-8	-7	-7	-2	- -	-5
+ Net Change in LT Investment	-41	20	21	4	-12	7	26	-10	4	72	105	-52	-25	-124	137
+ Dec in LT Investment	112	121	118	135	66	81	139	78	91	93	169	111	129	32	176
+ Inc in LT Investment	-153	-101	-97	-132	-78	-75	-112	-88	-87	-21	-64	-163	-154	-156	-39
+ Net Cash From Acq & Div	- -	-2	55	- -	-15	- -	-16	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-2	- -	- -	-15	- -	-16	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	5	-11	1	32	18	-46	-4	-19	-74	-24	-89	84	-103	-252	-60
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-39	4	75	34	-10	-40	5	-30	-70	47	15	32	-128	-377	77
+ Dividends Paid	-3	-2	-2	-2	-3	-4	-4	-4	-4	-4	-5	-5	-5	-6	-6
+ Net Cash From Debt	-88	-51	-154	-62	-8	78	2	-56	-55	22	-126	-14	- -	- -	10
+ Cash From Debt	20	38	23	28	56	91	101	63	44	107	56	- -	- -	- -	10
+ Repayments of Debt	-109	-89	-177	-90	-64	-13	-100	-119	-99	-85	-182	-14	- -	- -	- -
+ Other Financing Activities	132	87	50	33	6	-54	5	69	108	-66	206	-22	-18	420	-126
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	24	17	-107	-46	-9	17	2	9	48	-56	68	-48	-26	414	-127
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-8	31	-26	11	-4	-4	25	-2	2	9	104	3	-131	57	-37
EBITDA	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
EBITDA Margin (%)	3.54	3.46	3.97	4.46	4.69	3.8	4.35	3.63	2.94	2.53	3.6	3.4	3.19	3.04	3.17
Free Cash Flow	5	7	5	22	14	18	17	19	23	17	19	19	22	20	13
Net Cash Paid for Acquisitions	- -	2	-55	- -	15	- -	16	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	5	7	5	22	14	18	17	19	23	17	19	19	22	20	13
Free Cash Flow to Equity	-84	-41	-150	-40	6	96	19	-38	-32	39	-108	5	22	20	23
Free Cash Flow per Basic Share	0.36	0.64	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
Price/Free Cash Flow	9.94	6.52	13.42	3.66	6.03	5.18	5.95	6.71	6.22	7.84	5.37	7.46	7.54	6.42	13.33
Cash Flow to Net Income	1.64	1.94	24.78	2.63	1.7	1.97	2.35	2.65	3.58	1.44	1.37	1.18	1.13	1.12	0.79
Capital Expenditures	-3	-3	-1	-1	-1	-1	-1	-1	- -	-1	-1	- -	-1	-1	- -