ESSA Bancorp (ESSA) Stock Price
ESSA Bancorp Price
Over the last 19 years ESSA Bancorp grew revenue by 9.4% annually, reaching 111.66 M USD. Earnings per share have grown at 10.6% per year over the last 19 years. For ESSA Bancorp, the net margin of 15.2% is down versus 18.6% a few years ago. At today's price the dividend yield works out to roughly 2.91%. The payout ratio is around 34% of earnings. The dividend has grown at 10.6% per year over the past 16 years. The consensus 12-month price target for ESSA Bancorp is 19.38 USD, about 6.0% below where the stock trades today. Of 6 analysts, 0 rate the stock a buy — an overall Sell consensus.
ESSA Bancorp stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of ESSA Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how ESSA Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing ESSA Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | ESSA Bancorp Price |
|---|
ESSA Bancorp Revenue, Net Income
3 Years
5 Years
10 Years
25 Years
Max
Details
ESSA Bancorp Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 55.00 | 53.00 | 51.00 | 59.00 | 57.00 | 62.00 | 67.00 | 66.00 | 72.00 | 75.00 | 77.00 | 70.00 | 71.00 | 93.00 | 111.00 | – |
| -5.17 | -3.64 | -3.77 | 15.69 | -3.39 | 8.77 | 8.06 | -1.49 | 9.09 | 4.17 | 2.67 | -9.09 | 1.43 | 30.99 | 19.35 | – |
| 58.18 | 62.26 | 64.71 | 74.58 | 77.19 | 79.03 | 79.10 | 75.76 | 72.22 | 70.67 | 75.32 | 87.14 | 95.77 | 73.12 | 60.36 | – |
| 32.00 | 33.00 | 33.00 | 44.00 | 44.00 | 49.00 | 53.00 | 50.00 | 52.00 | 53.00 | 58.00 | 61.00 | 68.00 | 68.00 | 67.00 | 67.00 |
| 4.00 | 5.00 | – | 8.00 | 8.00 | 9.00 | 7.00 | 7.00 | 6.00 | 12.00 | 14.00 | 16.00 | 20.00 | 18.00 | 16.00 | – |
| -33.33 | 25.00 | – | – | – | 12.50 | -22.22 | – | -14.29 | 100.00 | 16.67 | 14.29 | 25.00 | -10.00 | -11.11 | – |
| 0.20 | 0.20 | 0.20 | 0.25 | 0.28 | 0.36 | 0.36 | 0.54 | 0.37 | 0.41 | 0.44 | 0.48 | 0.57 | 0.60 | 0.60 | 0.60 |
| 17.65 | – | – | 25.00 | 12.00 | 28.57 | – | 50.00 | -31.48 | 10.81 | 7.32 | 9.09 | 18.75 | 5.26 | – | – |
| 11.86 | 10.81 | 12.09 | 10.91 | 10.52 | 10.54 | 10.60 | 10.72 | 10.95 | 10.48 | 10.07 | 9.77 | 9.71 | 9.64 | 9.53 | 9.53 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales ESSA Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue ESSA Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare ESSA Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares ESSA Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against ESSA Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
ESSA Bancorp stock margins
3 Years
5 Years
10 Years
25 Years
Max
Details
ESSA Bancorp Revenue per Share, Earnings per Share
3 Years
5 Years
10 Years
25 Years
Max
Details
ESSA Bancorp business model & stock analysis
ESSA Bancorp SWOT Analysis
Strengths
1. Strong financial performance: ESSA Bancorp Inc has consistently demonstrated excellent financial results, with steady revenue growth and healthy profitability.
2. Well-established market presence: The company has a long history and a strong reputation in the banking industry, having served its customers for many years.
3. Diverse product and service portfolio: ESSA Bancorp Inc offers a wide range of financial products and services, including personal and commercial banking, mortgage lending, and investment solutions, catering to various customer needs.
Weaknesses
1. Limited geographic reach: The company's operations are primarily concentrated in specific areas, which may limit further growth opportunities and increase vulnerability to regional economic fluctuations.
2. Dependency on interest rates: ESSA Bancorp Inc heavily relies on interest income as a significant revenue stream, making it susceptible to adverse effects of fluctuating interest rates.
3. Moderate brand recognition beyond local market: While ESSA Bancorp Inc is well-known within its operating region, its brand awareness may be relatively lower compared to larger national or international banking institutions.
Opportunities
1. Expansion into new markets: ESSA Bancorp Inc could consider strategic expansion beyond its current geographic areas to tap into new customer segments and diversify its revenue streams.
2. Growing demand for digital banking: As the banking industry continues to shift towards digital channels, ESSA Bancorp Inc can invest in technology and innovation to enhance its online and mobile banking offerings, attracting tech-savvy customers.
3. Potential for mergers and acquisitions: The company may explore opportunities for mergers or acquisitions to strengthen its market position, gain access to new technologies, or expand its customer base.
Threats
1. Intense competition: ESSA Bancorp Inc operates in a highly competitive banking industry, facing competition from both traditional financial institutions and emerging fintech startups, which may impact market share and profitability.
2. Regulatory and compliance challenges: The banking sector is subject to strict regulations and compliance requirements, and any failure to comply could result in financial penalties and reputational damage for ESSA Bancorp Inc.
3. Economic downturns and market volatility: Fluctuations in the economy and financial markets can negatively affect ESSA Bancorp Inc's business, leading to reduced demand for loans, increased credit risk, and potential declines in asset valuations.
ESSA Bancorp Employees
3 Years
5 Years
10 Years
25 Years
Max
Details
ESSA Bancorp Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
ESSA Bancorp historical P/E ratio, EBIT multiple, and P/S ratio
ESSA Bancorp annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
ESSA Bancorp shares outstanding
3 Years
5 Years
10 Years
25 Years
Max
Details
ESSA Bancorp Dividend History
18 years of dividend payments
ESSA Bancorp dividend history and estimates
Max
Details
ESSA Bancorp dividend payout ratio
3 Years
5 Years
10 Years
25 Years
Max
Details
Current ESSA Bancorp forecasts and price targets in August 2026
Analyst Price Targets 2026ESSA Bancorp Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 11/4/2020 | Maintained | Neutral | 53 | |
| 9/28/2020 | Maintained | Neutral | 53 | |
| 10/28/2016 | Downgrade | BuyHold | – | |
| 10/13/2015 | Maintained | Buy | – |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
ESSA Bancorp Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 4/24/2024 | 0.41USD | - | 17.52 MUSD | - | 2024 Q2 |
| 1/23/2024 | 0.47USD | - | 17.95 MUSD | - | 2024 Q1 |
| 7/25/2023 | 0.54USD | - | 19.16 MUSD | - | 2023 Q3 |
| 4/25/2023 | 0.55USD | - | 18.82 MUSD | - | 2023 Q2 |
| 1/24/2023 | 0.60USD | - | 19.12 MUSD | - | 2023 Q1 |
| 10/26/2022 | 0.54USD | - | 17.69 MUSD | - | 2022 Q4 |
| 7/27/2022 | 0.42USD | - | 16.05 MUSD | - | 2022 Q3 |
| 4/27/2022 | 0.45USD | - | 16.18 MUSD | - | 2022 Q2 |
| 1/26/2022 | 0.46USD | - | 16.43 MUSD | - | 2022 Q1 |
| 10/27/2021 | 0.39USD | - | 15.74 MUSD | - | 2021 Q4 |
EESG©
Eulerpool ESG Scorecard© for the ESSA Bancorp stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
ESSA Bancorp shareholder structure
| % | Name |
|---|---|
0.66897% | |
0.61568% | |
0.25946% | |
0.11871% | |
0.10833% | |
0.00000% |
ESSA Bancorp Beneficial Ownership Filings (SEC 13D/G)
| Stake | Holder | Filing |
|---|---|---|
10.70% | SEC ↗ | |
10.10% | SEC ↗ | |
9.88% | SEC ↗ | |
9.88% | SEC ↗ | |
6.75% | SEC ↗ | |
6.00% | SEC ↗ | |
5.82% | SEC ↗ | |
5.74% | SEC ↗ | |
5.32% | SEC ↗ | |
5.10% | SEC ↗ |
ESSA Bancorp Executives and Management Board
14 members · avg. age 63 · 29 % women
Mr. Gary Olson (70)
President, Chief Executive Officer, Director · since 2000
952,898.00 USD
Management
Mr. Thomas Grayuski (63)
Chief Human Resource Officer, Senior Vice President
Mr. Peter Gray (60)
Chief Operating Officer, Senior Executive Vice President
Mr. Allan Muto (64)
Chief Financial Officer, Executive Vice President of ESSA Bank and Trust
Mr. Charles Hangen (52)
Executive Vice President, Chief Risk Officer
Mr. Stephanie Lefferson
Investor Relations
Board of Directors
Mr. Robert Selig (76)
Non-Executive Independent Chairman of the Board · since 2019
Mr. Joseph Durkin (65)
Independent Director
Ms. Elizabeth Weekes (65)
Independent Director
Ms. Christine Gordon (48)
Independent Director
Mr. Daniel Henning (72)
Independent Director
Mr. Philip Hosbach (62)
Independent Director
ESSA Bancorp Supply Chain
ESSA Bancorp Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.40 | 0.54 | 0.89 |
Frequently asked questions about ESSA Bancorp
The business model of ESSA Bancorp Inc focuses on providing financial services to individuals and businesses in the communities it serves. As a bank holding company, ESSA Bancorp Inc operates through its subsidiary, ESSA Bank & Trust, which offers a range of banking products and services. ESSA Bank & Trust aims to meet the financial needs of its customers by offering various deposit accounts, residential and commercial loans, wealth management services, and other personalized financial solutions. With a strong focus on community, ESSA Bancorp Inc strives to support local businesses and individuals by fostering growth and providing reliable banking services.
ESSA Bancorp Inc is primarily active in the financial industry. As a bank holding company, ESSA Bancorp Inc operates through its subsidiary, ESSA Bank & Trust, offering a range of financial services. The company provides various banking products and services, including savings accounts, checking accounts, loans, mortgages, and investment services. With its expertise in the financial sector, ESSA Bancorp Inc aims to serve individuals, businesses, and communities throughout its operating region. By focusing on the financial industry, ESSA Bancorp Inc strives to provide reliable and trusted financial solutions to meet the needs of its customers.
The main competitors of ESSA Bancorp Inc in the market include established financial institutions such as Wells Fargo & Company, Bank of America Corporation, and JPMorgan Chase & Co. These well-known banks provide a range of products and services similar to ESSA Bancorp Inc, including lending, checking and savings accounts, and wealth management solutions. As ESSA Bancorp Inc strives to differentiate itself in the competitive marketplace, it aims to leverage its community-focused approach and personalized customer service to stay ahead of its competitors and meet the diverse financial needs of its customers.
ESSA Bancorp Inc is a prominent financial institution that has a rich history and a robust background. Established in 1916, ESSA Bancorp Inc has been serving its customers with unwavering dedication for over a century. With its headquarters in Stroudsburg, Pennsylvania, this company operates as the holding company for ESSA Bank & Trust, offering a wide range of banking and financial services. ESSA Bancorp Inc maintains a strong local presence and is committed to fostering strong relationships within the community. Throughout its history, ESSA Bancorp Inc has demonstrated a commitment to innovation, customer satisfaction, and shareholder value, making it a trusted name in the banking industry.
ESSA Bancorp Inc has achieved several significant milestones throughout its history. Being one of the leading financial institutions, ESSA Bancorp Inc has successfully fostered growth and stability. Some notable achievements include expansion into new markets, strategic mergers and acquisitions, consistent profitability, and maintaining a strong financial position. With a customer-centric approach, ESSA Bancorp Inc continues to provide excellent banking and financial services to individuals and businesses alike. These achievements showcase the company's commitment to excellence and its ability to meet evolving market demands.
ESSA Bancorp Inc is primarily present in the United States. As a leading bank holding company, ESSA Bancorp Inc operates through its subsidiary, ESSA Bank & Trust, offering a wide range of financial services. With its headquarters in Pennsylvania, ESSA Bancorp Inc caters to customers in various regions within the state, including Monroe, Lackawanna, Wayne, and Pike counties. The company focuses on delivering personalized banking solutions and fostering strong relationships within its local communities. ESSA Bancorp Inc's presence in the United States underscores its commitment to serving the financial needs of individuals, businesses, and communities across its various locations.
ESSA Bancorp Inc represents values and a corporate philosophy centered around excellence, integrity, and community commitment. As a leading financial institution, ESSA Bancorp Inc prioritizes providing exceptional banking services and solutions to its customers. With a focus on building long-term relationships, ESSA Bancorp Inc emphasizes trust, transparency, and personalized financial guidance. The company aims to deliver sustainable growth and value for its shareholders while actively contributing to the betterment of the communities it serves. Through its dedication to high ethical standards and customer satisfaction, ESSA Bancorp Inc strives to be a trusted and reliable partner for all banking needs.
Analysts currently set an average price target of 19.38 USD for the ESSA Bancorp stock (median: 19.38 USD), implying -6.0 % versus the latest price. The consensus is based on 6 analyst ratings.
6 analysts currently rate the ESSA Bancorp stock: 0 recommend buying, 3 holding and 3 selling.
Converted at the current exchange rate, the ESSA Bancorp share trades at 17.64 EUR (20.61 USD).
The ESSA Bancorp share (ESSA) is listed on 1 stock exchanges, including: NASDAQ (ESSA).
ESSA Bancorp Inc. is a financial services company operating in the Northeastern Pennsylvania region and surrounding states. The company's business model focuses on providing various banking services to offer the best possible customer experience. ESSA Bancorp is a publicly traded company listed on the NASDAQ stock exchange under the ticker symbol ESSA. It offers various banking services such as deposits, loans, asset management, and advisory services for customers. One of ESSA Bancorp's main divisions is the deposit department, which offers accounts for various customers including individuals and businesses. The bank offers different types of accounts including savings accounts, overdrafts, and checking accounts. Customers can also utilize online banking options to manage their accounts. ESSA Bancorp's credit department provides financial support to different customers. The company offers loans for small businesses, mortgages, auto loans, and personal loans. Customers can apply for loans with flexible terms at competitive interest rates. Another business area is the wealth management department, which offers comprehensive asset management and investment advisory services to customers. The target audience for this department includes customers with larger amounts of money or complex financial needs. The wealth management department provides services such as investment advice, tax planning, succession planning, and estate planning. ESSA Bancorp is also active in the real estate industry, offering services for buying and selling properties. The company provides mortgages for home purchases and assists customers in finding their dream homes. The company has an extensive network of branches and ATMs to provide customers with maximum flexibility in managing their financial lives. Customers can access and manage their accounts anytime and from anywhere. Finally, ESSA Bancorp has a strong community presence and actively participates in various charitable projects and initiatives. The company has a strong tradition of community engagement and promotes the development and growth of the community. Overall, ESSA Bancorp's business model is designed to offer a wide range of financial services to various customers. Through a combination of traditional and modern banking technology, as well as a dedicated and experienced employee base, the company provides its customers with a unique experience in the financial market.
The revenue cannot currently be calculated for ESSA Bancorp.
The profit cannot currently be calculated for ESSA Bancorp.
The P/E ratio cannot be calculated for ESSA Bancorp at the moment.
The P/S cannot be calculated for ESSA Bancorp currently.
The Eulerpool Quality Score for ESSA Bancorp is 5/10.
The ISIN of ESSA Bancorp is US29667D1046. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of ESSA Bancorp is A0MN42. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of ESSA Bancorp is ESSA. The ticker symbol is used to trade ESSA Bancorp shares on the stock exchange.
Over the past 12 months, ESSA Bancorp paid a dividend of 0.60 USD . This corresponds to a dividend yield of about 2.91 %. For the coming 12 months, ESSA Bancorp is expected to pay a dividend of 0.60 USD.
The current dividend yield of ESSA Bancorp is 2.91 %.
ESSA Bancorp pays a dividend, distributed in the months of , , , .
ESSA Bancorp paid dividends every year for the past 18 years.
For the upcoming 12 months, dividends amounting to 0.60 USD are expected. This corresponds to a dividend yield of 2.91 %.
ESSA Bancorp is assigned to the 'Finance' sector.
To receive the latest dividend of ESSA Bancorp from amounting to 0.15 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, ESSA Bancorp distributed 0.6 USD as dividends.
The dividends of ESSA Bancorp are distributed in USD.
ESSA Bancorp stock
ESSA Bancorp Peer Group
ESSA Bancorp Ticker
ESSA Bancorp FIGI
All fundamentals and in-depth analysis of ESSA Bancorp
Our stock analysis for ESSA Bancorp 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 ESSA Bancorp. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.