ESSA Bancorp, Inc.ESSA
時価総額
$3.7億
PER
22倍
銀行持株会社の有力企業。商業不動産ローンと信託・資産運用手数料を展開。2023年10月1日にCECLを導入、2024年度の連結資産は22億ドル。2024年度の純利益は1700万ドル、預金残高16億ドル。ペンシルベニア州中心に展開。
| 2011年 9月30日 | 2012年 9月30日 | 2013年 9月30日 | 2014年 9月30日 | 2015年 9月30日 | 2016年 9月30日 | 2017年 9月30日 | 2018年 9月30日 | 2019年 9月30日 | 2020年 9月30日 | 2021年 9月30日 | 2022年 9月30日 | 2023年 9月30日 | 2024年 9月30日 | |
| Loans receivable, including fees | 39 | 38 | 45 | 43 | 45 | 49 | 48 | 53 | 57 | 56 | 54 | 56 | 73 | 88 |
| Taxable | 8 | 7 | 6 | 6 | 7 | 7 | 8 | 9 | 9 | 7 | 4 | 6 | 10 | 12 |
| Exempt from federal income tax | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other investment income | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 1 | 0 | 1 | 2 | 4 |
| Total interest income | 47 | 45 | 51 | 51 | 54 | 58 | 58 | 65 | 68 | 64 | 59 | 63 | 85 | 103 |
| Deposits | 7 | 7 | 7 | 8 | 7 | 8 | 8 | 10 | 14 | 11 | 6 | 3 | 17 | 33 |
| Short-term borrowings | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 4 | 3 | 2 | 0 | 0 | 7 | 11 |
| Other borrowings | - | 9 | 4 | 3 | 3 | 3 | 3 | 2 | 3 | 3 | 0 | - | - | 1 |
| Total interest expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 45 |
| NET INTEREST INCOME | 29 | 29 | 40 | 40 | 44 | 47 | 46 | 48 | 47 | 48 | 53 | 60 | 62 | 58 |
| (Release of) provision for credit losses | - | - | - | - | - | - | - | - | - | - | - | - | - | -1 |
| NET INTEREST INCOME AFTER (RELEASE OF) PROVISION FOR CREDIT LOSSES | 27 | 27 | 36 | 38 | 42 | 44 | 42 | 44 | 45 | 45 | 50 | 60 | 61 | 60 |
| Service fees on deposit accounts | - | - | - | - | - | - | - | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Services charges and fees on loans | - | - | - | - | - | - | - | 1 | 1 | 1 | 2 | 2 | 1 | 1 |
| Loan swap fees | - | - | - | - | - | - | - | - | - | 1 | 1 | 0 | 0 | 0 |
| Unrealized loss on equity securities | - | - | - | - | - | - | - | - | - | - | 0 | 0 | -0 | -0 |
| Trust and investment fees | - | - | - | - | - | - | - | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| Loss on sale of investment securities, net | - | - | - | - | - | - | - | - | 0 | 3 | 0 | - | -0 | - |
| Gain on sale of loans, net | 0 | 0 | 0 | - | - | - | - | - | - | 1 | 2 | 0 | 0 | 0 |
| Bank Owned Life Insurance Income | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Insurance commissions | - | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Other | - | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Total noninterest income | 6 | 7 | 8 | 7 | 8 | 9 | 8 | 8 | 8 | 13 | 11 | 9 | 8 | 8 |
| Labor and Related Expense | 16 | 16 | 19 | 19 | 21 | 24 | 24 | 23 | 24 | 24 | 26 | 26 | 27 | 27 |
| Occupancy, Net | 3 | 3 | 4 | 4 | 4 | 5 | 4 | 4 | 4 | 4 | 4 | 5 | 4 | 5 |
| Professional fees | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | 4 | 5 | 4 |
| Data processing | 2 | 2 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 5 | 5 | 5 |
| Advertising | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
| Federal Deposit Insurance Corporation Premium Expense | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 2 |
| Foreclosed real estate | - | - | - | - | - | - | - | - | - | - | - | - | -0 | -0 |
| Amortization of intangible assets | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other | 2 | 2 | 3 | 3 | 4 | 4 | 4 | 4 | 3 | 2 | 3 | 3 | 3 | 3 |
| Total noninterest expense | 26 | 33 | 32 | 34 | 37 | 43 | 41 | 40 | 38 | 41 | 42 | 43 | 46 | 47 |
| Income before income taxes | - | - | - | - | 13 | 10 | 9 | 12 | 15 | 18 | 20 | 25 | 23 | 21 |
| Income taxes | 2 | 0 | 3 | 3 | 3 | 3 | 2 | 6 | 2 | 3 | 3 | 5 | 4 | 4 |
| NET INCOME | 5 | 0 | 9 | 9 | 10 | 8 | 7 | 7 | 13 | 14 | 16 | 20 | 19 | 17 |
| Basic | 0.46 | 0.02 | 0.76 | 0.79 | 0.94 | 0.74 | 0.69 | 0.6 | 1.18 | 1.39 | 1.65 | 2.06 | 1.91 | 1.78 |
| Diluted | 0.46 | 0.02 | 0.76 | 0.79 | 0.93 | 0.73 | 0.69 | 0.6 | 1.18 | 1.39 | 1.65 | 2.06 | 1.91 | 1.78 |
| Dividends per share | 0.2 | 0.2 | 0.2 | 0.26 | 0.34 | 0.36 | 0.36 | 0.36 | 0.4 | 0.44 | 0.47 | 0.54 | 0.6 | 0.6 |