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Upturn AI SWOT - About
ESSA 
ESSA Bancorp Inc (ESSA)
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Upturn Advisory Summary
06/27/2025: ESSA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19
1 Year Target Price $19
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.13% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 197.00M USD | Price to earnings Ratio 12.52 | 1Y Target Price 19 |
Price to earnings Ratio 12.52 | 1Y Target Price 19 | ||
Volume (30-day avg) 1 | Beta 0.43 | 52 Weeks Range 15.67 - 21.87 | Updated Date 06/30/2025 |
52 Weeks Range 15.67 - 21.87 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.11% | Basic EPS (TTM) 1.55 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.28% | Operating Margin (TTM) 30.14% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 6.43% |
Valuation
Trailing PE 12.52 | Forward PE - | Enterprise Value 355748864 | Price to Sales(TTM) 2.97 |
Enterprise Value 355748864 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 6.08 | Enterprise Value to EBITDA - | Shares Outstanding 10154700 | Shares Floating 7955368 |
Shares Outstanding 10154700 | Shares Floating 7955368 | ||
Percent Insiders 14.7 | Percent Institutions 48.72 |
Analyst Ratings
Rating 1 | Target Price 19 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ESSA Bancorp Inc
Company Overview
History and Background
ESSA Bancorp, Inc. was founded in 1916 as East Stroudsburg Savings Association. It has evolved from a mutual savings association to a publicly traded company, focusing on community banking services in northeastern Pennsylvania.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with departments focusing on lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers various mortgage products. Market share in its local Pennsylvania region is estimated to be around 3-5%. Competitors include larger national banks and credit unions like PNC (PNC), Wells Fargo (WFC) and local community banks.
- Commercial Loans: Provides loans to local businesses. Market share similar to mortgages. Competitors include larger national banks and credit unions like PNC (PNC), Wells Fargo (WFC) and local community banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and competition from fintech companies.
Positioning
ESSA Bancorp Inc. is positioned as a community bank focused on building relationships with local customers. It aims to differentiate itself through personalized service.
Total Addressable Market (TAM)
The total addressable market for community banking in northeastern Pennsylvania is estimated to be several billion dollars. ESSA Bancorp Inc. holds a small but significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of digital banking technologies
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FCNB
- WSFS
Competitive Landscape
ESSA Bancorp Inc. faces competition from larger regional and national banks with greater resources, as well as smaller community banks. Its advantage lies in its local focus and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable.
Future Projections: Future projection data unavailable.
Recent Initiatives: Recent initiatives data unavailable.
Summary
ESSA Bancorp Inc. is a community bank with a strong local presence in northeastern Pennsylvania. Its strengths lie in its customer relationships and experienced management team. However, it faces challenges from larger competitors and economic uncertainties, requiring strategic initiatives for sustainable growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis reports
- Market data providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ESSA Bancorp Inc
Exchange NASDAQ | Headquaters Stroudsburg, PA, United States | ||
IPO Launch date 2007-04-04 | President, CEO & Director Mr. Gary S. Olson | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 236 | Website https://www.essabank.com |
Full time employees 236 | Website https://www.essabank.com | ||
ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. It also provides first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; auto loans; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. It operates community offices in Monroe, Lehigh, Northampton, Lackawanna, Luzerne, Chester, Delaware, and Montgomery County. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.
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