ESSA Bancorp Valuation
| ESSA Stock | USD 20.67 0.19 0.93% |
At this time, the firm appears to be overvalued. ESSA Bancorp shows a prevailing Real Value of $18.96 per share. The current price of the firm is $20.67. Our model computes the value of ESSA Bancorp from evaluating the firm fundamentals such as Current Valuation of 439.14 M, return on asset of 0.0079, and Profit Margin of 0.25 % as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting ESSA Bancorp's valuation include:
Price Book 0.9089 | Enterprise Value 439.1 M | Price Sales 3.0581 | Trailing PE 11.6124 | Enterprise Value Revenue 7.5614 |
Overvalued
Today
Please note that ESSA Bancorp's price fluctuation is not too volatile at this time. Calculation of the real value of ESSA Bancorp is based on 3 months time horizon. Increasing ESSA Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since ESSA Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of ESSA Stock. However, ESSA Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 20.67 | Real 18.96 | Target 18.0 | Hype 20.58 | Naive 20.96 |
The real value of ESSA Stock, also known as its intrinsic value, is the underlying worth of ESSA Bancorp Company, which is reflected in its stock price. It is based on ESSA Bancorp's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of ESSA Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of ESSA Bancorp helps investors to forecast how ESSA stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of ESSA Bancorp more accurately as focusing exclusively on ESSA Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use ESSA Bancorp's intrinsic value based on its ongoing forecasts of ESSA Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against ESSA Bancorp's closest peers. If more than one evaluation category is relevant for ESSA Bancorp we suggest using both methods to arrive at a better estimate.
ESSA Bancorp Cash |
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ESSA Valuation Trend
Comparing ESSA Bancorp's enterprise value against its market capitalization is a good way to estimate the value of ESSA Bancorp uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
ESSA Bancorp Total Value Analysis
ESSA Bancorp is currently projected to have valuation of 439.14 M with market capitalization of 209.42 M, debt of 290 M, and cash on hands of 101.61 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the ESSA Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
439.14 M | 209.42 M | 290 M | 101.61 M |
ESSA Bancorp Investor Information
About 15.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.91. 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. Based on the analysis of ESSA Bancorp's profitability, liquidity, and operating efficiency, ESSA Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 4.39 | 0.1879 |
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| Total Cash From Operating Activities | 15.8 M | 24 M |
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| Operating Income | 18.5 M | 21 M |
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ESSA Bancorp Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of ESSA suggests not a very effective usage of assets in December.ESSA Bancorp Ownership Allocation
The market capitalization of ESSA Bancorp is $209.42 Million. 30% of ESSA Bancorp outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Therefore, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some future point.ESSA Bancorp Profitability Analysis
The company reported the previous year's revenue of 111.57 M. Net Income was 18.58 M with profit before overhead, payroll, taxes, and interest of 68.28 M.ESSA Bancorp Past Distributions to stockholders
| 30th of September 2024 | ||
| 28th of June 2024 | ||
| 29th of December 2023 | ||
| 29th of September 2023 | ||
| 30th of June 2023 | ||
| 31st of March 2023 | ||
| 30th of December 2022 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates ESSA Bancorp's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in ESSA Bancorp and how it compares across the competition.
About ESSA Bancorp Valuation
The stock valuation mechanism determines ESSA Bancorp's current worth on a weekly basis. Our valuation model uses a comparative analysis of ESSA Bancorp. We calculate exposure to ESSA Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of ESSA Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 111.6 M | 117.1 M | |
| Pretax Profit Margin | 0.19 | 1.60 | |
| Operating Profit Margin | 0.19 | 4.39 | |
| Net Profit Margin | 0.15 | 1.07 | |
| Gross Profit Margin | 0.90 | 0.80 |
ESSA Bancorp Quarterly Retained Earnings |
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A single share of ESSA Bancorp represents a small ownership stake in the entity. As a stockholder of ESSA, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
ESSA Bancorp Dividends Analysis For Valuation
At present, ESSA Bancorp's Dividends Paid is projected to decrease significantly based on the last few years of reporting. The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 2.96, whereas Dividend Yield is forecasted to decline to 0.02. . At present, ESSA Bancorp's Earning Assets are projected to decrease significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 42.31, whereas Retained Earnings are forecasted to decline to about 98.1 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 5.3 M | 5.6 M | |
| Dividend Yield | 0.04 | 0.02 | |
| Dividend Paid And Capex Coverage Ratio | 2.76 | 2.96 | |
| Dividend Payout Ratio | 0.36 | 0.34 |
There are various types of dividends ESSA Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of ESSA shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from ESSA Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When ESSA pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of ESSA Bancorp by the value of the dividends paid out.
ESSA Bancorp Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 9.5 M | |
| Quarterly Earnings Growth Y O Y | -0.064 | |
| Forward Annual Dividend Rate | 0.6 | |
| Shares Float | 6.7 M |
ESSA Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of ESSA Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value ESSA we look at many different elements of the entity such as ESSA's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as ESSA Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use ESSA Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes ESSA Bancorp's worth.Complementary Tools for ESSA Stock analysis
When running ESSA Bancorp's price analysis, check to measure ESSA Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ESSA Bancorp is operating at the current time. Most of ESSA Bancorp's value examination focuses on studying past and present price action to predict the probability of ESSA Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ESSA Bancorp's price. Additionally, you may evaluate how the addition of ESSA Bancorp to your portfolios can decrease your overall portfolio volatility.
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