ESSA Bancorp (ESSA) Stock Price, News & Analysis

Company Overview

ESSA Bancorp, Inc. is a bank holding company headquartered in Johnson City, Tennessee, operating through its principal subsidiary, First Community Bank. Founded in 1934, ESSA Bancorp has grown from a single community bank into a regional financial services provider. The company offers a broad range of banking solutions designed to serve individuals, small businesses, and commercial clients across its footprint.

First Community Bank delivers core banking products that include checking and savings accounts, certificates of deposit, and money market accounts. On the lending side, the company provides residential and commercial real estate loans, consumer loans, agricultural financing, and lines of credit tailored to meet diverse borrower needs. In addition, ESSA Bancorp offers treasury management services, such as cash management, account reconciliation, automated clearinghouse (ACH) origination, wire transfer services, and merchant card processing.

ESSA Bancorp’s operations are concentrated in Northeast Tennessee and Southwest Virginia, with a branch network spanning the Tri-Cities region and surrounding communities. The company emphasizes community banking principles, fostering relationships through local decision-making and personalized customer service. Over its history, ESSA Bancorp has maintained a focus on supporting regional economic development, including small business lending and community outreach programs.

The company’s leadership team is comprised of seasoned banking professionals under the oversight of its Board of Directors. The board is chaired by an independent member, and the executive management team is led by the President and Chief Executive Officer, supported by senior officers in lending, finance, operations, and risk management. ESSA Bancorp’s governance framework underscores a commitment to prudent risk practices, regulatory compliance, and sustainable growth in the markets it serves.

Key Stats

• Today's Range: $20.06 to $20.77
• 50-Day Range: $18.11 to $20.74
• 52-Week Range: $15.82 to $22.22
• Volume: 121,012 shs
• Average Volume: 21,228 shs
• Market Capitalization: $209.90 million
• P/E Ratio: 13.34
• Dividend Yield: 2.90%
• Price Target: N/A
• Consensus Rating: N/A

ESSA Bancorp Stock Analysis - MarketRank™

ESSA Bancorp scored higher than 53% of companies evaluated by MarketBeat, and ranked 592nd out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for ESSA Bancorp.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of ESSA Bancorp is 13.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.28.

Price to Earnings Ratio vs. Sector

The P/E ratio of ESSA Bancorp is 13.35, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.25.

Price to Book Value per Share Ratio

ESSA Bancorp has a P/B Ratio of 0.91. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.52% of the float of ESSA Bancorp has been sold short.

Short Interest Ratio / Days to Cover

ESSA Bancorp has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ESSA Bancorp has recently decreased by 1.36%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

ESSA Bancorp pays a meaningful dividend of 2.91%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

ESSA Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of ESSA Bancorp is 38.71%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.52% of the float of ESSA Bancorp has been sold short.

Short Interest Ratio / Days to Cover

ESSA Bancorp has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ESSA Bancorp has recently decreased by 1.36%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.18

News Sentiment

ESSA Bancorp has a news sentiment score of 1.18. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for ESSA Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, ESSA Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.48% of the stock of ESSA Bancorp is held by insiders.

Percentage Held by Institutions

54.15% of the stock of ESSA Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ESSA Stock Analysis - Frequently Asked Questions

How have ESSA shares performed this year?

ESSA Bancorp's stock was trading at $19.50 on January 1st, 2025. Since then, ESSA shares have increased by 6.2% and is now trading at $20.7090.

How were ESSA Bancorp's earnings last quarter?

ESSA Bancorp, Inc. (NASDAQ:ESSA) issued its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported $0.40 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.43 by $0.03. The financial services provider had revenue of $16.23 million for the quarter, compared to analysts' expectations of $17.19 million. ESSA Bancorp had a net margin of 13.20% and a trailing twelve-month return on equity of 6.84%.

How do I buy shares of ESSA Bancorp?

Shares of ESSA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of ESSA Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ESSA Bancorp investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 6/30 Dividend: 6/16/2025
• Ex-Dividend for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Today: 7/14/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:ESSA
• CIK: 1382230
• Web: ir.essabank.com
• Phone: (570) 421-0531
• Fax: 516-466-3132
• Employees: 250
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.55
• Trailing P/E Ratio: 13.02
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.99 million
• Net Margins: 13.20%
• Pretax Margin: 16.33%
• Return on Equity: 6.84%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $65.23 million
• Price / Sales: 3.14
• Cash Flow: $1.56 per share
• Price / Cash Flow: 12.97
• Book Value: $22.74 per share
• Price / Book: 0.89

Miscellaneous

• Outstanding Shares: 10,155,000
• Free Float: 9,395,000
• Market Cap: $204.93 million
• Optionable: Optionable
• Beta: 0.43