Complete financial analysis of ESSA Bancorp, Inc. (ESSA) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of ESSA Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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ESSA Bancorp, Inc. (ESSA)
About ESSA Bancorp, Inc.
ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 67.84M | 69.30M | 68.22M | 64.39M | 61.46M | 55.17M | 56.05M | 53.72M | 55.72M | 51.69M | 47.32M | 47.87M | 35.80M | 35.22M | 34.66M | 34.79M | 32.03M | 27.20M | 5.82M | 5.83M | 21.16M | 4.38M | 4.38M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 67.84M | 69.30M | 68.22M | 64.39M | 61.46M | 55.17M | 56.05M | 53.72M | 55.72M | 51.69M | 47.32M | 47.87M | 35.80M | 35.22M | 34.66M | 34.79M | 32.03M | 27.20M | 5.82M | 5.83M | 21.16M | 4.38M | 4.38M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 28.54M | 27.70M | 26.81M | 26.99M | 24.66M | 24.45M | 24.18M | 25.29M | 24.79M | 21.73M | 19.92M | 19.95M | 19.13M | 18.50M | 17.77M | 17.15M | 12.65M | 10.83M | 9.19M | 9.04M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 680.00K | 648.00K | 767.00K | 636.00K | 481.00K | 699.00K | 903.00K | 1.14M | 1.06M | 974.00K | 633.00K | 574.00K | 415.00K | 658.00K | 626.00K | 672.00K | 630.00K | 695.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 29.22M | 28.35M | 27.57M | 27.62M | 25.14M | 25.15M | 25.08M | 26.43M | 25.85M | 22.71M | 20.56M | 20.52M | 19.54M | 19.16M | 18.40M | 17.82M | 13.28M | 11.52M | 9.19M | 9.04M | 0.00 | 0.00 | 0.00 |
| Other Expenses | 0.00 | -74.58M | -12.70M | -72.11M | -69.00M | -65.27M | -56.23M | -12.92M | -13.83M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 68.00K | 0.00 | 0.00 | 9.97M | 5.29M | -4.14M | 14.86M | 14.86M |
| Operating Expenses | 42.12M | -46.23M | 4.28M | -44.49M | -43.86M | -40.13M | -27.59M | 4.02M | 3.59M | 2.96M | 2.52M | 2.44M | 1.78M | 2.15M | 2.12M | 2.05M | 2.06M | 1.51M | 19.17M | 14.33M | -4.14M | 14.86M | 14.86M |
| Cost & Expenses | 42.12M | -46.23M | 4.28M | -44.49M | -43.86M | -40.13M | -27.59M | 4.02M | 3.59M | 2.96M | 2.52M | 2.44M | 1.78M | 2.15M | 2.12M | 2.05M | 2.06M | 1.51M | 19.17M | 14.33M | -4.14M | 14.86M | 14.86M |
| Interest Income | 0.00 | 85.50M | 62.81M | 58.69M | 64.07M | 67.76M | 64.50M | 58.32M | 58.37M | 54.18M | 50.78M | 51.10M | 45.20M | 47.18M | 49.26M | 52.73M | 52.07M | 45.51M | 36.45M | 31.92M | 28.81M | 29.07M | 29.07M |
| Interest Expense | 11.86M | 23.95M | 3.04M | 5.79M | 15.87M | 20.75M | 16.27M | 12.80M | 11.43M | 10.39M | 10.63M | 11.26M | 16.13M | 18.28M | 21.31M | 23.74M | 25.64M | 23.81M | 19.22M | 14.32M | 11.93M | 12.22M | 12.22M |
| Depreciation & Amortization | 0.00 | 2.12M | 2.18M | 2.19M | 2.21M | 1.39M | 1.65M | 1.95M | 2.22M | 637.00K | 960.00K | 990.00K | 436.00K | 135.00K | 1.23M | 1.20M | 1.25M | 1.05M | 1.06M | 969.00K | 0.00 | 0.00 | 0.00 |
| EBITDA | 0.00 | 25.19M | 27.19M | 22.08M | 19.81M | 16.43M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 26.71M | 25.55M | 0.00 | 0.00 | 0.00 | 17.02M | 19.23M | 19.23M |
| EBITDA Ratio | 0.00% | 33.56% | 41.46% | 31.32% | 29.08% | 27.82% | 53.72% | 44.08% | 43.37% | 48.56% | 51.23% | 52.33% | 49.72% | 75.57% | 83.35% | 97.86% | 112.53% | 75.42% | 447.70% | 362.30% | 80.45% | 439.43% | 439.43% |
| Operating Income | 20.96M | 23.07M | 28.05M | 19.90M | 17.60M | 15.04M | 28.46M | 23.03M | 23.40M | 24.46M | 23.28M | 24.06M | 17.37M | 26.48M | 27.66M | 32.85M | 34.79M | 19.46M | 24.98M | 20.16M | 17.02M | 19.23M | 19.23M |
| Operating Income Ratio | 30.90% | 33.29% | 41.11% | 30.90% | 28.63% | 27.26% | 50.78% | 42.88% | 42.00% | 47.33% | 49.21% | 50.26% | 48.50% | 75.19% | 79.81% | 94.42% | 108.61% | 71.55% | 429.43% | 345.69% | 80.45% | 439.43% | 439.43% |
| Total Other Income/Expenses | 0.00 | -4.41M | -3.62M | -4.28M | -5.80M | -3.43M | -5.25M | -4.47M | -6.55M | -5.70M | -4.81M | -4.22M | 248.00K | 0.00 | 0.00 | -68.00K | -802.00K | -4.34M | -20.28M | -130.00K | 0.00 | -12.22M | 17.49M |
| Income Before Tax | 20.96M | 23.07M | 25.00M | 19.90M | 17.60M | 15.04M | 12.20M | 8.93M | 10.31M | 12.75M | 11.40M | 11.66M | 248.00K | 7.12M | 6.36M | 9.11M | 9.15M | -4.34M | 5.77M | 5.83M | 5.09M | 7.01M | 7.01M |
| Income Before Tax Ratio | 30.90% | 33.29% | 36.65% | 30.90% | 28.63% | 27.26% | 21.76% | 16.62% | 18.50% | 24.66% | 24.08% | 24.35% | 0.69% | 20.22% | 18.34% | 26.18% | 28.55% | -15.97% | 99.12% | 100.05% | 24.04% | 160.25% | 160.25% |
| Income Tax Expense | 3.97M | 4.49M | 4.93M | 3.47M | 3.18M | 2.42M | 5.66M | 1.59M | 2.58M | 2.95M | 2.89M | 2.83M | 33.00K | 1.86M | 1.84M | 2.55M | 3.07M | 782.00K | 1.81M | 1.38M | 1.17M | 2.31M | 2.31M |
| Net Income | 16.99M | 18.58M | 20.07M | 16.42M | 14.42M | 12.62M | 6.53M | 7.34M | 7.73M | 9.79M | 8.50M | 8.82M | 215.00K | 5.26M | 4.51M | 6.56M | 6.08M | -5.13M | 3.95M | 4.45M | 3.92M | 4.70M | 4.70M |
| Net Income Ratio | 25.05% | 26.81% | 29.42% | 25.51% | 23.46% | 22.88% | 11.65% | 13.66% | 13.87% | 18.94% | 17.97% | 18.43% | 0.60% | 14.93% | 13.02% | 18.84% | 18.97% | -18.84% | 67.96% | 76.33% | 18.50% | 107.38% | 107.38% |
| EPS | 1.78 | 1.91 | 2.06 | 1.65 | 1.39 | 1.18 | 0.60 | 0.69 | 0.74 | 0.94 | 0.79 | 0.76 | 0.02 | 0.46 | 0.36 | 0.47 | 0.39 | -0.30 | 0.23 | 0.26 | 0.23 | 0.28 | 0.28 |
| EPS Diluted | 1.78 | 1.91 | 2.06 | 1.65 | 1.39 | 1.18 | 0.60 | 0.69 | 0.73 | 0.93 | 0.79 | 0.76 | 0.02 | 0.46 | 0.36 | 0.47 | 0.38 | -0.30 | 0.23 | 0.26 | 0.23 | 0.28 | 0.28 |
| Weighted Avg Shares Out | 9.53M | 9.73M | 9.76M | 9.95M | 10.35M | 10.73M | 10.83M | 10.60M | 10.40M | 10.45M | 10.82M | 11.56M | 11.05M | 11.49M | 12.53M | 13.84M | 15.56M | 16.98M | 16.88M | 16.88M | 16.88M | 16.88M | 16.88M |
| Weighted Avg Shares Out (Dil) | 9.53M | 9.73M | 9.77M | 9.95M | 10.35M | 10.73M | 10.83M | 10.66M | 10.52M | 10.54M | 10.82M | 11.56M | 11.05M | 11.49M | 12.53M | 13.95M | 15.98M | 16.98M | 16.88M | 16.88M | 16.88M | 16.88M | 16.88M |
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ESSA Bancorp, Inc. Announces Authorization for Fifth Stock Repurchase Program
ESSA Bancorp, Inc. Announces Operating Results for the Second Fiscal Quarter of 2012
Source: https://incomestatements.info
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