ESSA Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
ESSA Bancorp has total assets of $2.2B and total equity of $230.4M. Total deposits are $1.6B, and total loans are $1.7B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $56.8M.
Key information
9.5x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$1.63b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$56.78m |
Recent financial health updates
No updates
Recent updates
ESSA Bancorp (NASDAQ:ESSA) Is Paying Out A Dividend Of $0.15
Dec 10
ESSA Bancorp's (NASDAQ:ESSA) Dividend Will Be $0.15
Nov 26ESSA Bancorp (NASDAQ:ESSA) Will Pay A Dividend Of $0.15
Jun 13ESSA Bancorp (NASDAQ:ESSA) Has Announced A Dividend Of $0.15
Nov 19ESSA Bancorp (NASDAQ:ESSA) Has Affirmed Its Dividend Of $0.15
Aug 27ESSA Bancorp (NASDAQ:ESSA) Is Due To Pay A Dividend Of $0.15
May 31ESSA Bancorp declares $0.15 dividend
Aug 24ESSA Bancorp (NASDAQ:ESSA) Is Increasing Its Dividend To US$0.15
Jun 10Here's Why ESSA Bancorp, Inc.'s (NASDAQ:ESSA) CEO Compensation Is The Least Of Shareholders' Concerns
Feb 25ESSA Bancorp declares $0.12 dividend
May 26Here's Why I Think ESSA Bancorp (NASDAQ:ESSA) Might Deserve Your Attention Today
May 02ESSA Bancorp, Inc. (NASDAQ:ESSA) Looks Like A Good Stock, And It's Going Ex-Dividend Soon
Mar 10What Makes ESSA Bancorp, Inc. (NASDAQ:ESSA) A Great Dividend Stock?
Feb 23How Much Did ESSA Bancorp's (NASDAQ:ESSA) CEO Pocket Last Year?
Jan 28
Do Institutions Own ESSA Bancorp, Inc. (NASDAQ:ESSA) Shares?
Dec 24ESSA Bancorp goes ex-dividend tomorrow
Dec 14How Does ESSA Bancorp, Inc. (NASDAQ:ESSA) Fare As A Dividend Stock?
Nov 19Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ESSA's Assets to Equity ratio (9.5x) is low.
Allowance for Bad Loans: ESSA has a sufficient allowance for bad loans (170%).
Low Risk Liabilities: 83% of ESSA's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESSA has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: ESSA's Loans to Deposits ratio (107%) is appropriate.
Level of Bad Loans: ESSA has an appropriate level of bad loans (0.5%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 03:20 |
| End of Day Share Price | 2025/01/02 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/09/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
ESSA Bancorp, Inc. is covered by 5 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Michael Diana | Maxim Group |
| Frank Schiraldi | Piper Sandler Companies |
| Frank Schiraldi | Sandler O'Neill |