ESSA

  
 
 
ESSA Bancorp, Inc.

Dividend Growth

Min. Div. Growth Past 7 Yrs. ≥ 15%: 5.9
Rolling 4-Yrs Div. Growth Past 7 Yrs ≥ 15%: 7.5%
Years of Div. Growth ≥ 15: 16

Income Generation

Current Yield 3.0≥ 20-Yrs Treasury Yield 4.7
Total Dividends ≥ 20-Yrs Treasury Coupons in 5 Yrs

Sustainability

Debt-To-Equity 0.64 ≤ 0.45 
Last 12Months Cash Payout 0.31 ≤ 0.6 

Profitability

5-Yr Avg. Return-on-Equity 8.2≥ 15%
Last 12Months Return-on-Equity 7.8≥ 15%
Last 12Months Net Profit Margin 17.3≥ 10% 

Fair Value

Average 5-Yrs High Yield 4.1%
Current Price $20.2 ≤ High Yield Price $14.6
Average 5-Yrs Price-to-Earning (P/E) 9.4
Current Price $20.2 ≤ Average P/E Price $17.0
Current Price $20.2 ≤ Fair Value $16.5 

Company Description
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.

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