ESSA Bancorp, Inc.

NasdaqGS:ESSA Stock Report

Market Cap: US$194.8m

ESSA Bancorp Valuation

Is ESSA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ESSA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ESSA ($20.19) is trading below our estimate of fair value ($23.34)

Significantly Below Fair Value: ESSA is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ESSA?

Key metric: As ESSA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ESSA. This is calculated by dividing ESSA's market cap by their current earnings.
What is ESSA's PE Ratio?
PE Ratio11x
EarningsUS$17.44m
Market CapUS$194.82m

Price to Earnings Ratio vs Peers

How does ESSA's PE Ratio compare to its peers?

The above table shows the PE ratio for ESSA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average18.1x
PVBC Provident Bancorp
36.5x31.2%US$193.7m
FCCO First Community
14.9x17.0%US$195.0m
HONT Honat Bancorp
13.7xn/aUS$175.0m
CSHX Cashmere Valley Bank
7.4xn/aUS$214.3m
ESSA ESSA Bancorp
11xn/aUS$194.8m

Price-To-Earnings vs Peers: ESSA is good value based on its Price-To-Earnings Ratio (11x) compared to the peer average (18.1x).

Price to Earnings Ratio vs Industry

How does ESSA's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
ESSA 11.0xIndustry Avg. 13.3xNo. of Companies94PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ESSA is good value based on its Price-To-Earnings Ratio (11x) compared to the US Banks industry average (13.3x).

Price to Earnings Ratio vs Fair Ratio

What is ESSA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ESSA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ESSA's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

Discover undervalued companies

Grupo Financiero Banorte. de

Mex$397.4b

Through its subsidiaries, engages in the provision of banking and financial products and services in Mexico and internationally.

GBOO.F

Mex$6.50

7D

-7.8%

1Y

-28.9%

UniCredit

€55.2b

Provides commercial banking services in Italy, Germany, Central Europe, and Eastern Europe.

UNCF.F

€37.83

7D

-8.0%

1Y

37.3%

National Bank of Greece

€6.4b

Provides financial products and services primarily in Greece, Cyprus, North Macedonia, Romania, Bulgaria, Luxembourg, the Netherlands, and the United Kingdom.

NBGI.F

€7.25

7D

-4.6%

1Y

7.4%