Definitive Analysis
Definitive Analysis
Get Full Access
See Pricing Start Free Trial

ESSA Bancorp, Inc. (ESSA)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$31.97 - $73.92$46.76
Multi-Stage$24.83 - $27.11$25.95
Blended Fair Value$36.36
Current Price$18.85
Upside92.87%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS6.72%7.75%0.620.610.550.490.480.450.410.400.390.37
YoY Growth--0.79%11.11%12.33%2.96%6.87%9.05%2.14%2.22%5.67%26.64%
Dividend Yield--3.18%3.07%2.65%2.84%3.19%2.64%2.63%2.57%2.50%2.72%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)14.78
(-) Cash Dividends Paid (M)5.88
(=) Cash Retained (M)8.91
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)2.961.851.11
Cash Retained (M)8.918.918.91
(-) Cash Required (M)-2.96-1.85-1.11
(=) Excess Retained (M)5.957.067.80
(/) Shares Outstanding (M)9.539.539.53
(=) Excess Retained per Share0.620.740.82
LTM Dividend per Share0.620.620.62
(+) Excess Retained per Share0.620.740.82
(=) Adjusted Dividend1.241.361.44
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.02%6.02%7.02%
Fair Value$31.97$46.76$73.92
Upside / Downside69.58%148.08%292.13%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)14.7815.6716.6217.6218.6819.8020.40
Payout Ratio39.75%49.80%59.85%69.90%79.95%90.00%92.50%
Projected Dividends (M)5.887.819.9512.3214.9317.8218.87

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate5.02%6.02%7.02%
Year 1 PV (M)7.097.167.22
Year 2 PV (M)8.208.368.51
Year 3 PV (M)9.229.489.75
Year 4 PV (M)10.1510.5410.94
Year 5 PV (M)11.0011.5312.09
PV of Terminal Value (M)190.92200.19209.81
Equity Value (M)236.58247.26258.33
Shares Outstanding (M)9.539.539.53
Fair Value$24.83$25.95$27.11
Upside / Downside31.71%37.66%43.83%

High-Yield Dividend Screener

« Prev Page 16 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
HWBKHawthorn Bancshares, Inc.2.27%$0.7724.18%
UTMDUtah Medical Products, Inc.2.27%$1.2835.35%
DKSDICK'S Sporting Goods, Inc.2.26%$4.5238.61%
EMLThe Eastern Company2.26%$0.4437.05%
SBCFSeacoast Banking Corporation of Florida2.26%$0.7143.09%
WMKWeis Markets, Inc.2.26%$1.4535.88%
0JYA.LMarathon Petroleum Corporation2.25%$3.7274.60%
FSBCFive Star Bancorp2.25%$0.8029.79%
IBMInternational Business Machines Corporation2.25%$6.5678.75%
0KYZ.LSBA Communications Corporation2.24%$4.3254.40%
BPOPPopular, Inc.2.24%$2.8224.06%
MFINMedallion Financial Corp.2.24%$0.2312.50%
MSMorgan Stanley2.24%$4.0740.12%
FXNCFirst National Corporation2.23%$0.5586.28%
BACBank of America Corporation2.22%$1.2431.97%
SSBSouthState Corporation2.22%$2.0930.58%
VLGEAVillage Super Market, Inc.2.22%$0.7720.42%
WWWWolverine World Wide, Inc.2.22%$0.4137.79%
CCBGCapital City Bank Group, Inc.2.21%$0.9326.22%
CGThe Carlyle Group Inc.2.20%$1.3476.25%
NHINational Health Investors, Inc.2.20%$1.6954.58%
VNOVornado Realty Trust2.20%$0.7315.58%
BANCBanc of California, Inc.2.19%$0.4332.44%
EBTCEnterprise Bancorp, Inc.2.19%$0.8726.66%
RHPRyman Hospitality Properties, Inc.2.19%$2.0957.31%
CDPCOPT Defense Properties2.18%$0.6045.15%
FDSFactSet Research Systems Inc.2.18%$6.2039.64%
ISBAIsabella Bank Corporation2.18%$1.1044.52%
WHWyndham Hotels & Resorts, Inc.2.18%$1.6437.28%
EFSCEnterprise Financial Services Corp2.17%$1.1722.34%
ETHGrayscale Ethereum Mini Trust2.17%$0.6434.57%
SEMSelect Medical Holdings Corporation2.17%$0.3236.19%
BFSTBusiness First Bancshares, Inc.2.16%$0.5620.21%
CWBCCommunity West Bancshares2.16%$0.4826.89%
EHTHeHealth, Inc.2.16%$0.095.60%
TPLTexas Pacific Land Corporation2.16%$6.4231.02%
CBSHCommerce Bancshares, Inc.2.15%$1.1226.40%
COLMColumbia Sportswear Company2.15%$1.2035.55%
HTHHilltop Holdings Inc.2.15%$0.7328.46%
NATHNathan's Famous, Inc.2.15%$1.9835.76%
RCKYRocky Brands, Inc.2.15%$0.6222.50%
BDXBecton, Dickinson and Company2.14%$4.1771.28%
CICigna Corporation2.14%$5.9626.01%
FBIZFirst Business Financial Services, Inc.2.14%$1.1518.19%
JBSSJohn B. Sanfilippo & Son, Inc.2.14%$1.4926.50%
JNPRJuniper Networks, Inc.2.14%$0.8682.37%
POOLPool Corporation2.14%$4.9244.68%
CSCOCisco Systems, Inc.2.13%$1.6262.56%
CSTRCapStar Financial Holdings, Inc.2.13%$0.4330.48%
HTLFHeartland Financial USA, Inc.2.13%$1.3869.73%