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Elmira Savings Bank Stock

Elmira Savings Bank Net Income 2024

Elmira Savings Bank Net Income

4.16 M USD

Ticker

ESBK

ISIN

US2896601026

WKN

A0DQGD

In 2024, Elmira Savings Bank's profit amounted to 4.16 M USD, a 19.2% increase from the 3.49 M USD profit recorded in the previous year.

The Elmira Savings Bank Net Income history

YEARNET INCOME (undefined USD)
20204.16
20193.49
20184.24
20174.85
20164.34
20154.12
20143.67
20135.05
20125.21
20115.03
20104.83
20094.53
20083.02
20072.1
20061.69
20052.78
20042.6
20032.44
20022.34
20012.27

Elmira Savings Bank Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Elmira Savings Bank, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Elmira Savings Bank from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Elmira Savings Bank’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Elmira Savings Bank. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Elmira Savings Bank’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Elmira Savings Bank’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Elmira Savings Bank’s growth potential.

Elmira Savings Bank Revenue, EBIT and net profit per share

DateElmira Savings Bank RevenueElmira Savings Bank EBITElmira Savings Bank Net Income
20200 undefined0 undefined4.16 M undefined
201928.03 M undefined0 undefined3.49 M undefined
201825.6 M undefined0 undefined4.24 M undefined
201725.99 M undefined0 undefined4.85 M undefined
201626.79 M undefined0 undefined4.34 M undefined
201526.12 M undefined0 undefined4.12 M undefined
201425.03 M undefined0 undefined3.67 M undefined
201325.81 M undefined0 undefined5.05 M undefined
201227.04 M undefined0 undefined5.21 M undefined
201126.83 M undefined0 undefined5.03 M undefined
201027.28 M undefined0 undefined4.83 M undefined
200929.78 M undefined0 undefined4.53 M undefined
200830.98 M undefined0 undefined3.02 M undefined
200725.29 M undefined0 undefined2.1 M undefined
200620.04 M undefined0 undefined1.69 M undefined
200519.4 M undefined0 undefined2.78 M undefined
200417.79 M undefined0 undefined2.6 M undefined
200318.2 M undefined0 undefined2.44 M undefined
200219.56 M undefined0 undefined2.34 M undefined
200121.49 M undefined0 undefined2.27 M undefined

Elmira Savings Bank stock margins

The Elmira Savings Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Elmira Savings Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Elmira Savings Bank.

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Gross margin
EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Elmira Savings Bank's sales revenue. A higher gross margin percentage indicates that the Elmira Savings Bank retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Elmira Savings Bank's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Elmira Savings Bank's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Elmira Savings Bank's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Elmira Savings Bank. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Elmira Savings Bank's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Elmira Savings Bank Margin History

Elmira Savings Bank Gross marginElmira Savings Bank Profit marginElmira Savings Bank EBIT marginElmira Savings Bank Profit margin
20200 %0 %0 %
20190 %0 %12.45 %
20180 %0 %16.56 %
20170 %0 %18.66 %
20160 %0 %16.2 %
20150 %0 %15.77 %
20140 %0 %14.66 %
20130 %0 %19.57 %
20120 %0 %19.27 %
20110 %0 %18.75 %
20100 %0 %17.71 %
20090 %0 %15.21 %
20080 %0 %9.75 %
20070 %0 %8.3 %
20060 %0 %8.43 %
20050 %0 %14.33 %
20040 %0 %14.61 %
20030 %0 %13.41 %
20020 %0 %11.96 %
20010 %0 %10.56 %

Elmira Savings Bank Aktienanalyse

What does Elmira Savings Bank do?

The Elmira Savings Bank is a successful bank based in Elmira, New York. The bank has a long history dating back to 1869. Since its inception, its goal has been to offer its customers a wide range of financial services. It particularly focuses on personal contact with its customers and innovative technologies to streamline its operations. The business model of the Elmira Savings Bank is based on a diverse product range, specifically targeting customers in rural areas. The bank sees itself as a reliable partner and financier for the development of local businesses and agriculture. Its product range includes savings accounts, checking accounts, loans, as well as mortgage and real estate services. The bank operates multiple business units. The retail banking division offers all the services a retail customer needs, such as opening an account for everyday transactions, retirement plans, and other financial products. Additionally, the bank has its own real estate division, specializing in financing homes. The commercial banking division offers a wide range of services for businesses, including financing for business expansions, business accounts, and investment advisory. The Elmira Savings Bank also strives to constantly improve and expand its range of financial services. It has initiated several initiatives, including investments in technology and online banking, to expand its customer base and optimize its operations. High-quality customer consultation and a focus on local customer needs are two important strengths of the Elmira Savings Bank. Over time, the bank has specialized in serving the needs of customers in smaller communities and rural regions. The bank often offers its services in rural areas where the demand for financing is relatively low. Overall, the Elmira Savings Bank stands out for its customer-centric approach and commitment to local communities. With its wide range of financial products, it is a reliable partner for individuals and businesses. Its efforts to further optimize its operations through technology investments are further evidence of its innovation capabilities. Elmira Savings Bank ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Net Income Details

Understanding Elmira Savings Bank's Profit Margins

The profit margins of Elmira Savings Bank represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of Elmira Savings Bank's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating Elmira Savings Bank's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

Elmira Savings Bank's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When Elmira Savings Bank’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about Elmira Savings Bank stock

How much profit has Elmira Savings Bank made this year?

Elmira Savings Bank has made 4.16 M USD this year.

How has the profit developed compared to last year?

The profit has increased by 19.2% compared to last year increased

What impact do the earnings have on the shareholders?

An increase in earnings is usually seen as a positive indicator for shareholders as it means that the company is generating profits.

How does Elmira Savings Bank publish its earnings?

Elmira Savings Bank publishes its earnings in the form of quarterly or annual reports.

Which financial indicators are included in the quarterly or annual reports?

The quarterly or annual reports contain information about sales and profit, cash flow, balance sheet, and other fundamentals.

Why is it important for investors to know the earnings of Elmira Savings Bank?

The profits of Elmira Savings Bank are an important indicator of the financial health of the company and can help investors decide whether they want to invest in the company or not.

How can one learn more about the earnings of Elmira Savings Bank?

You can learn more about the earnings of Elmira Savings Bank by reviewing the quarterly or annual reports or following the company presentations.

How much dividend does Elmira Savings Bank pay?

Over the past 12 months, Elmira Savings Bank paid a dividend of 0.68 USD . This corresponds to a dividend yield of about 2.95 %. For the coming 12 months, Elmira Savings Bank is expected to pay a dividend of 0.68 USD.

What is the dividend yield of Elmira Savings Bank?

The current dividend yield of Elmira Savings Bank is 2.95 %.

When does Elmira Savings Bank pay dividends?

Elmira Savings Bank pays a quarterly dividend. This is distributed in the months of July, October, January, April.

How secure is the dividend of Elmira Savings Bank?

Elmira Savings Bank paid dividends every year for the past 20 years.

What is the dividend of Elmira Savings Bank?

For the upcoming 12 months, dividends amounting to 0.68 USD are expected. This corresponds to a dividend yield of 2.95 %.

In which sector is Elmira Savings Bank located?

Elmira Savings Bank is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Elmira Savings Bank kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Elmira Savings Bank from 3/11/2022 amounting to 0.15 USD, you needed to have the stock in your portfolio before the ex-date on 3/2/2022.

When did Elmira Savings Bank pay the last dividend?

The last dividend was paid out on 3/11/2022.

What was the dividend of Elmira Savings Bank in the year 2023?

In the year 2023, Elmira Savings Bank distributed 0.92 USD as dividends.

In which currency does Elmira Savings Bank pay out the dividend?

The dividends of Elmira Savings Bank are distributed in USD.

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Andere Kennzahlen von Elmira Savings Bank

Our stock analysis for Elmira Savings Bank Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Elmira Savings Bank Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.