ESSA Bancorp, Inc.
ESSAFinancials · Savings Institutions, Not Federally Chartered · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $17.0M | $18.6M | $20.1M | $16.4M | $3.4M | $3.4M |
| Total assets | $2.19B | $2.29B | $1.86B | $1.86B | $1.89B | $1.80B |
| Total liabilities | $1.96B | $2.07B | $1.65B | $1.66B | $1.70B | $1.61B |
| Equity | $230.4M | $219.7M | $212.3M | $201.8M | $191.4M | $189.5M |
| EPS (diluted) | $1.78 | $1.91 | $2.06 | $1.65 | $0.33 | $0.33 |
| Shares out. | 18.1M | 18.1M | 18.1M | 18.1M | 18.1M | 11.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.4%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.5%
- Debt / equity
- 8.49×
- Book value / share
- $12.71
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −8.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- 0.2%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jun 29, 2011
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Fj Capital Management LlcPassive (13G)Aug 13, 2025
- Blackrock, Inc.Passive (13G)Jul 17, 2025
- Essa Bank & Trust Employee Stock Ownership Plan TrustPassive (13G)Feb 5, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Henning Daniel JDirector | Jul 23, 2025 | D | 64,795 | — |
| Selig Robert C JrDirector | Jul 23, 2025 | D | 106,239 | — |
| Olson Gary SOfficer — President and CEO | Jul 15, 2025 | Tax withholding | 4,157 | $20.32 |
| Weekes Elizabeth BDirector | Jul 23, 2025 | D | 36,955 | — |
| Gordon Christine DavisDirector | Jul 23, 2025 | D | 10,105 | — |
| Hosbach Philip H. IvDirector | Jul 23, 2025 | D | 10,367 | — |
| Richardson Tina QDirector | Jul 23, 2025 | D | 5,585 | — |
| Stennett CarolynDirector | Jul 23, 2025 | D | 5,585 | — |
| Durkin Joseph SDirector | Jul 23, 2025 | D | 10,305 | — |
| Muto Allan AOfficer — EVP and CFO | Jul 15, 2025 | Tax withholding | 2,061 | $20.32 |
| Grayuski Thomas JOfficer — Senior Vice President | Jul 15, 2025 | Tax withholding | 1,030 | $20.32 |
| Gray Peter AOfficer — SEVP and COO | Jul 15, 2025 | Tax withholding | 2,061 | $20.32 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Jul 15, 2025 | 36,605 | 1.0 | -15.9% |
| Jun 30, 2025 | 43,504 | 1.2 | -1.3% |
| Jun 13, 2025 | 44,070 | 2.7 | +28.3% |
| May 30, 2025 | 34,343 | 1.7 | +23.5% |
| May 15, 2025 | 27,804 | 1.0 | +9.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJul 24, 2025
- Other material eventJun 30, 2025
- Results of operationsApr 24, 2025
- Shareholder voteApr 15, 2025
- Other material eventApr 9, 2025
- Results of operationsJan 30, 2025
- Entered a material agreement · Director / officer change · Other material eventJan 10, 2025
- Director / officer changeDec 11, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AAug 13, 2025
- 15-12GAug 4, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESJul 24, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESJul 24, 2025
- 4STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIESJul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
- 4FORM 4Jul 24, 2025
Event-driven situations (1)
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