ESSA Bancorp, Inc.ESSA

Market cap

$373.72M

P/E ratio

22x

	Sep 30, 2011	Sep 30, 2012	Sep 30, 2013	Sep 30, 2014	Sep 30, 2015	Sep 30, 2016	Sep 30, 2017	Sep 30, 2018	Sep 30, 2019	Sep 30, 2020	Sep 30, 2021	Sep 30, 2022	Sep 30, 2023	Sep 30, 2024
Loans receivable, including fees	39	38	45	43	45	49	48	53	57	56	54	56	73	88
Taxable	8	7	6	6	7	7	8	9	9	7	4	6	10	12
Exempt from federal income tax	0	0	0	1	1	1	1	1	0	0	0	0	0	0
Other investment income	0	0	0	0	1	1	1	1	2	1	0	1	2	4
Total interest income	47	45	51	51	54	58	58	65	68	64	59	63	85	103
Deposits	7	7	7	8	7	8	8	10	14	11	6	3	17	33
Short-term borrowings	0	0	0	0	0	1	1	4	3	2	0	0	7	11
Other borrowings	-	9	4	3	3	3	3	2	3	3	0	-	-	1
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	45
NET INTEREST INCOME	29	29	40	40	44	47	46	48	47	48	53	60	62	58
(Release of) provision for credit losses	-	-	-	-	-	-	-	-	-	-	-	-	-	-1
NET INTEREST INCOME AFTER (RELEASE OF) PROVISION FOR CREDIT LOSSES	27	27	36	38	42	44	42	44	45	45	50	60	61	60
Service fees on deposit accounts	-	-	-	-	-	-	-	3	3	3	3	3	3	3
Services charges and fees on loans	-	-	-	-	-	-	-	1	1	1	2	2	1	1
Loan swap fees	-	-	-	-	-	-	-	-	-	1	1	0	0	0
Unrealized loss on equity securities	-	-	-	-	-	-	-	-	-	-	0	0	-0	-0
Trust and investment fees	-	-	-	-	-	-	-	1	1	1	2	2	2	2
Loss on sale of investment securities, net	-	-	-	-	-	-	-	-	0	3	0	-	-0	-
Gain on sale of loans, net	0	0	0	-	-	-	-	-	-	1	2	0	0	0
Bank Owned Life Insurance Income	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Insurance commissions	-	1	1	1	1	1	1	1	1	1	1	1	1	1
Other	-	0	0	0	0	0	1	0	1	0	0	0	0	0
Total noninterest income	6	7	8	7	8	9	8	8	8	13	11	9	8	8
Labor and Related Expense	16	16	19	19	21	24	24	23	24	24	26	26	27	27
Occupancy, Net	3	3	4	4	4	5	4	4	4	4	4	5	4	5
Professional fees	1	1	2	2	2	3	3	2	2	2	2	4	5	4
Data processing	2	2	3	3	3	4	4	4	4	4	4	5	5	5
Advertising	1	0	1	1	1	1	1	1	1	0	1	1	1	1
Federal Deposit Insurance Corporation Premium Expense	1	1	1	1	1	1	1	1	0	1	1	1	1	2
Foreclosed real estate	-	-	-	-	-	-	-	-	-	-	-	-	-0	-0
Amortization of intangible assets	0	0	1	1	1	1	1	0	0	0	0	0	0	0
Other	2	2	3	3	4	4	4	4	3	2	3	3	3	3
Total noninterest expense	26	33	32	34	37	43	41	40	38	41	42	43	46	47
Income before income taxes	-	-	-	-	13	10	9	12	15	18	20	25	23	21
Income taxes	2	0	3	3	3	3	2	6	2	3	3	5	4	4
NET INCOME	5	0	9	9	10	8	7	7	13	14	16	20	19	17
Basic	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	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
Dividends per share	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	0.6