ESSA Bancorp, Inc. Financial Ratios — ESSA Stock

Profitability (USD)

	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
Return on Common Equity (%)	7.11	7.98	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
Return on Assets (%)	0.43	0.48	0.02	0.63	0.58	0.62	0.46	0.41	0.36	0.69	0.78	0.87	1.08	0.89	0.76
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.34	20.22	0.69	24.35	24.08	24.66	18.5	16.62	21.76	27.26	28.63	30.9	36.62	33.21	31.53
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
Net Income to Common 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
Effective Tax Rate (%)	29.01	26.16	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
Dvd Payout Ratio (%)	57.11	44.03	1,046.05	26.01	32.93	36.22	48.49	52.19	59.9	33.8	31.62	28.58	26.27	31.54	34.75
Sustainable Growth Rate (%)	3.05	4.46	-3.06	9.51	7.63	7.74	4.64	3.92	2.82	8.49	9.15	9.89	11.22	8.73	7.02

Credit (USD)

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	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 Debt	350	288	235	142	259	320	360	312	298	248	126	- -	231	375	290
ST Debt	15	4	43	23	108	91	129	137	180	108	112	- -	231	375	280
LT Debt	335	284	191	119	151	229	231	174	119	141	14	- -	- -	- -	10
Total Debt/EBITDA	285.08	236.98	165.08	66.6	116.81	163.24	148.54	159.97	181.35	178.24	56.93	- -	105.83	177.14	137.77
Net Debt/EBITDA	276.21	202.72	153.25	53.3	105.97	152.79	130.01	138.31	154.59	140.73	-13.59	-72.71	93.02	136.76	114.69
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.01	6.14	4.61	5.24	4.93	5.22	4.95	5.12	5.14	5.7	5.96	6.69	7.48	6.63	7.48
Long-Term Debt/Equity (%)	195.4	175.91	109.15	71.65	90.43	133.76	130.77	95.32	66.26	74.18	7.4	- -	- -	- -	4.34
Long-Term Debt/Capital (%)	80.9	79.94	63.8	55.69	44.91	56.67	51.49	43.22	30.23	40.06	5.93	- -	- -	- -	2.2
Long-Term Debt/Total Assets (%)	31.28	25.91	13.49	8.69	9.61	14.26	13.01	9.76	6.47	7.81	0.75	- -	- -	- -	0.46
Total Debt/Equity (%)	203.98	178.38	133.82	85.47	154.99	187.09	204.18	170.54	166.58	131.01	65.77	- -	108.7	170.52	125.86
Total Debt/Capital (%)	84.45	81.06	78.22	66.43	76.97	79.26	80.39	77.33	75.99	70.75	52.74	- -	62.36	71.13	63.93
Total Debt/Total Assets (%)	32.66	26.28	16.55	10.37	16.47	19.95	20.31	17.46	16.28	13.8	6.65	- -	12.4	16.34	13.26
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
Net Debt/Capital (%)	84.03	78.55	76.93	61.29	75.2	78.15	78.21	74.68	72.96	65.63	-36.3	461.74	59.29	65.55	59.6
EBITDA	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
EBITDA-CapEx	-2	-2	1	1	2	1	1	1	2	1	1	2	2	1	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.01	6.14	4.61	5.24	4.93	5.22	4.95	5.12	5.14	5.7	5.96	6.69	7.48	6.63	7.48
Long-Term Debt/Equity (%)	195.4	175.91	109.15	71.65	90.43	133.76	130.77	95.32	66.26	74.18	7.4	- -	- -	- -	4.34
Long-Term Debt/Capital (%)	80.9	79.94	63.8	55.69	44.91	56.67	51.49	43.22	30.23	40.06	5.93	- -	- -	- -	2.2
Long-Term Debt/Total Assets (%)	31.28	25.91	13.49	8.69	9.61	14.26	13.01	9.76	6.47	7.81	0.75	- -	- -	- -	0.46
Total Debt/Equity (%)	203.98	178.38	133.82	85.47	154.99	187.09	204.18	170.54	166.58	131.01	65.77	- -	108.7	170.52	125.86
Total Debt/Capital (%)	84.45	81.06	78.22	66.43	76.97	79.26	80.39	77.33	75.99	70.75	52.74	- -	62.36	71.13	63.93
Total Debt/Total Assets (%)	32.66	26.28	16.55	10.37	16.47	19.95	20.31	17.46	16.28	13.8	6.65	- -	12.4	16.34	13.26
CFO/Total Liabilities	0.82	1.09	0.43	1.92	1.03	1.35	1.14	1.22	1.41	1.13	1.16	1.17	1.38	1.01	0.69
CFO/CapEx	2.57	3.65	6.67	28.78	21.37	22.02	16.54	30.2	- -	21.92	18.97	48.32	39.77	21.84	60.76
Altman's Z-Score	0.18	0.17	0.13	0.15	0.14	0.15	0.14	0.15	0.16	0.17	0.16	0.18	0.21	0.16	0.19

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	102	85	82	88	91	104	113	134	145	149	112	147	175	140	182
- Cash & Cash Equivalents	11	42	17	28	24	21	45	42	44	52	156	159	28	85	49
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	350	288	235	142	259	320	360	312	298	248	126	- -	231	375	290
Enterprise Value	442	331	-29	-114	-57	24	38	13	28	32	-131	-252	170	95	207
Total Capital	415	356	300	214	337	404	448	403	393	351	239	125	370	527	454
Total Debt/Capital (%)	84.45	81.06	78.22	66.43	76.97	79.26	80.39	77.33	75.99	70.75	52.74	- -	62.36	71.13	63.93
Total Debt / EV	0.79	0.87	-7.97	-1.25	-4.59	13.11	9.45	23.61	10.51	7.8	-0.96	- -	1.36	3.93	1.4
EV/Sales	12.74	9.41	- -	- -	- -	0.47	0.68	0.25	0.51	0.58	- -	- -	2.48	1.37	3.12
EV/EBITDA	359.6	272.29	- -	- -	- -	12.45	15.71	6.77	17.26	22.86	- -	- -	77.78	45.08	98.54
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	59.54	32.53	- -	- -	- -	1.26	2.1	0.68	1.21	1.75	- -	- -	7.47	4.57	15.45
EV/Free Cash Flow to Firm	42.87	25.53	- -	- -	- -	1.21	1.98	0.66	1.21	1.67	- -	- -	7.29	4.37	15.2
Diluted Market Cap	102	85	82	88	91	105	115	135	145	149	112	148	175	140	182
Diluted Enterprise Value	442	331	300	202	327	405	430	404	400	345	82	-11	378	429	423
EV per Share	35.23	28.85	- -	- -	- -	2.34	3.66	1.24	2.62	2.97	- -	- -	17.38	9.8	21.76
TTM Sales	35	35	36	48	47	52	56	54	56	55	61	64	68	69	66
TTM EBITDA	1	1	1	2	2	2	2	2	2	1	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	10	5	23	14	19	18	19	23	18	20	19	23	21	13
TTM Free Cash Flow to Firm	10	13	6	24	15	20	19	20	23	19	21	20	23	22	14

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	442	331	-29	-114	-57	24	38	13	28	32	-131	-252	170	95	207
Low Price	10.62	10.44	9.34	9.45	10.2	11.05	12.69	12.93	14.16	14.15	9.7	11.99	14.79	12.79	14.3
EV/Sales	12.74	9.41	- -	- -	- -	0.47	0.68	0.25	0.51	0.58	- -	- -	2.48	1.37	3.12
EV/EBITDA	359.6	272.29	- -	- -	- -	12.45	15.71	6.77	17.26	22.86	- -	- -	77.78	45.08	98.54
Price/Earnings	22.69	16.1	382.41	9.96	10.74	10.61	14.67	18.29	22.26	11.82	7.74	8.98	8.74	7.54	10.7
Price/Earnings Average	23.31	18.61	376.32	10.14	10.35	9.99	14.12	17.27	21.04	11.1	9.02	8.38	7.76	8.67	9.62
Price/Earnings High	37.86	29.47	586.46	15.13	15.12	13.99	19.14	24.43	27.87	14.6	12.73	11.04	10.51	11.41	11.71
Price/Earnings Low	29.5	22.81	480.06	12.38	12.97	11.8	17.08	18.68	23.49	12.03	6.96	7.26	7.19	6.7	8.02
Price/Book Value	1.59	1.26	1.26	1.22	1.18	1.24	1.29	1.47	1.54	1.45	0.99	1.18	1.26	0.92	1.11
Price/Book Value Average	1.63	1.45	1.24	1.25	1.13	1.17	1.24	1.39	1.46	1.36	1.15	1.11	1.12	1.06	1
Price/Book Value High	2.65	2.3	1.93	1.86	1.66	1.63	1.68	1.96	1.93	1.8	1.63	1.46	1.51	1.39	1.22
Price/Book Value Low	2.07	1.78	1.58	1.52	1.42	1.38	1.5	1.5	1.63	1.48	0.89	0.96	1.04	0.82	0.83
Price/Tangible Book Value	0.6	0.53	0.5	0.57	0.59	0.65	0.71	0.8	0.89	0.85	0.63	0.79	0.88	0.68	0.84
Price/Tangible Book Value Average	0.61	0.61	0.5	0.58	0.57	0.61	0.68	0.76	0.84	0.8	0.74	0.73	0.79	0.78	0.75
Price/Tangible Book Value High	1	0.97	0.77	0.86	0.83	0.86	0.92	1.07	1.11	1.06	1.04	0.97	1.06	1.03	0.92
Price/Tangible Book Value Low	0.78	0.75	0.63	0.7	0.71	0.73	0.82	0.82	0.94	0.87	0.57	0.64	0.73	0.6	0.63
Price/Sales	2.95	2.4	2.3	1.84	1.93	2.01	2.03	2.5	2.59	2.7	1.81	2.29	2.57	2.02	2.74
Price/Sales Average	3.04	2.78	2.26	1.87	1.86	1.89	1.96	2.36	2.45	2.54	2.11	2.14	2.28	2.32	2.46
Price/Sales High	4.93	4.4	3.52	2.79	2.72	2.65	2.65	3.34	3.25	3.34	2.98	2.82	3.09	3.05	2.99
Price/Sales Low	3.84	3.41	2.88	2.28	2.33	2.24	2.37	2.55	2.74	2.75	1.63	1.85	2.11	1.79	2.05
Price/Cash Flow	13.81	8.31	15.43	3.79	6.31	5.37	6.24	6.89	6.22	8.2	5.65	7.61	7.73	6.72	13.55
Price/Cash Flow Average	14.18	9.61	15.19	3.86	6.08	5.06	6.01	6.51	5.88	7.7	6.58	7.11	6.86	7.72	12.18
Price/Cash Flow High	23.03	15.21	23.67	5.76	8.89	7.08	8.14	9.2	7.78	10.13	9.29	9.36	9.29	10.16	14.82
Price/Cash Flow Low	17.95	11.77	19.38	4.71	7.63	5.97	7.27	7.04	6.56	8.35	5.08	6.15	6.36	5.96	10.15
Price/Free Cash Flow Average	10.21	7.54	13.21	3.73	5.81	4.88	5.73	6.34	5.88	7.37	6.25	6.96	6.69	7.38	11.98
Price/Free Cash Flow High	16.58	11.94	20.58	5.56	8.5	6.83	7.77	8.96	7.78	9.69	8.82	9.17	9.07	9.72	14.58
Price/Free Cash Flow Low	12.92	9.24	16.85	4.55	7.29	5.76	6.93	6.85	6.56	7.98	4.83	6.03	6.2	5.7	9.99
EV/Sales Average	12.82	9.78	8.35	4.25	6.83	7.7	7.61	7.38	6.99	6.09	1.63	- -	5.25	6.48	6.09
EV/Sales High	14.72	11.4	9.61	5.17	7.69	8.45	8.31	8.35	7.79	6.89	2.5	0.35	6.06	7.22	6.62
EV/Sales Low	13.63	10.41	8.97	4.66	7.3	8.04	8.02	7.57	7.28	6.31	1.14	- -	5.09	5.96	5.68
EV/EBITDA Average	361.88	283.15	210.15	95.2	145.6	202.63	175.03	203.39	238.09	241.3	45.2	-9.73	164.41	212.89	192.35
EV/EBITDA High	415.32	330.06	241.92	115.8	163.91	222.56	191.01	230.34	265.17	273.03	69.39	10.23	189.74	237	209.2
EV/EBITDA Low	384.6	301.27	225.84	104.44	155.67	211.64	184.45	208.68	247.79	249.76	31.81	-18.16	159.21	195.57	179.45
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.17	7.37	7.44	7.6	8.44	9.94	10.9	12.66	13.42	13.9	10.78	14.83	17.97	14.41	19.08
High Price	13.63	13.49	11.41	11.55	11.89	13.1	14.22	16.91	16.8	17.17	17.73	18.23	21.61	21.8	20.87
Enterprise Value Average	444	345	299	203	323	398	424	396	392	336	100	-21	359	450	405
Enterprise Value High	510	402	344	247	364	437	463	449	436	380	153	22	414	501	440
Enterprise Value Low	472	367	321	223	346	415	447	407	408	348	70	-40	347	414	378

	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
Shares Outstanding	13	12	13	12	12	11	11	12	12	11	11	10	10	10	10
Diluted Weighted Avg Shares	13	11	11	12	11	11	11	11	11	11	10	10	10	10	10
Basic Weighted Avg Shares	13	11	11	12	11	10	10	11	11	11	10	10	10	10	10
Revenue per Share	2.77	3.07	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
EBITDA per Share	0.1	0.11	0.13	0.18	0.21	0.19	0.23	0.18	0.15	0.13	0.21	0.22	0.22	0.22	0.22
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	0.59	0.89	0.48	2.01	1.34	1.85	1.75	1.84	2.16	1.69	1.91	1.95	2.33	2.14	1.41
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
Cash & Equivalents per Share	0.87	3.63	31.35	29.76	37.64	38.25	41.86	40.81	38.35	34.07	35.6	40.17	24.24	43.13	27.74
Book Value per Share	5.14	5.87	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
Tangible Book Value per Share	13.69	13.91	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

ESSA Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)