ESSA Bancorp, Inc. (ESSA)

ESSA Bancorp Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	87.69	87.69	73.33	56.05	54.46	55.67
Interest Income on Investments	15.77	15.77	12.17	6.76	4.23	8.4
Total Interest Income	103.46	103.46	85.5	62.81	58.69	64.07
Interest Paid on Deposits	33.32	33.32	17.4	2.65	5.52	10.53
Interest Paid on Borrowings	11.86	11.86	6.55	0.39	0.27	5.34
Total Interest Expense	45.18	45.18	23.95	3.04	5.79	15.87
Net Interest Income	58.28	58.28	61.55	59.77	52.89	48.21
Net Interest Income Growth (YoY)	-5.32%	-5.32%	2.98%	13.00%	9.72%	2.55%
Trust Income	1.64	1.64	1.64	1.64	1.53	1.38
Gain (Loss) on Sale of Investments	-0.01	-0.01	-0.13	0	0.48	2.92
Other Non-Interest Income	3.39	3.39	3.14	3.54	4.23	4.57
Total Non-Interest Income	8.2	8.2	7.91	8.51	11.49	13.26
Non-Interest Income Growth (YoY)	3.77%	3.77%	-7.10%	-25.95%	-13.29%	62.50%
Revenues Before Loan Losses	66.48	66.48	69.46	68.28	64.39	61.46
Provision for Loan Losses	-1.36	-1.36	0.7	-	2.7	3.28
Revenue	67.84	67.84	68.76	68.28	61.69	58.19
Revenue Growth (YoY)	-1.33%	-1.33%	0.70%	10.69%	6.02%	9.60%
Salaries and Employee Benefits	25.54	25.54	25.26	24.92	24.75	22.77
Occupancy Expenses	3.4	3.4	3.12	3.22	3.06	3
Federal Deposit Insurance	1.64	1.64	1.08	0.57	1.08	0.72
Amortization of Goodwill & Intangibles	0.09	0.09	0.19	0.24	0.27	0.28
Selling, General & Administrative	13.19	13.19	12.9	11.52	9.71	9.03
Other Non-Interest Expense	2.93	2.93	2.91	3.03	3.36	2.37
Total Non-Interest Expense	46.88	46.88	45.69	43.28	41.54	38.08
EBT Excluding Unusual Items	20.96	20.96	23.07	25	20.15	20.1
Other Unusual Items	-	-	-	-	-0.25	-2.5
Pretax Income	20.96	20.96	23.07	25	19.9	17.6
Income Tax Expense	3.97	3.97	4.49	4.93	3.47	3.18
Net Income	16.99	16.99	18.58	20.07	16.42	14.42
Net Income to Common	16.99	16.99	18.58	20.07	16.42	14.42
Net Income Growth	-8.53%	-8.53%	-7.44%	22.20%	13.93%	14.20%
Basic Shares Outstanding	10	10	10	10	10	10
Diluted Shares Outstanding	10	10	10	10	10	10
Shares Change (YoY)	-1.98%	-1.98%	-0.41%	-1.83%	-3.87%	-3.59%
EPS (Basic)	1.78	1.78	1.91	2.06	1.65	1.39
EPS (Diluted)	1.78	1.78	1.91	2.06	1.65	1.39
EPS Growth	-6.81%	-6.81%	-7.10%	24.61%	18.71%	18.19%
Dividend Per Share	0.600	0.600	0.600	0.540	0.470	0.440
Dividend Growth	0%	0%	11.11%	14.89%	6.82%	10.00%
Effective Tax Rate	18.94%	18.94%	19.48%	19.73%	17.45%	18.09%

Source: S&P Capital IQ. Banks template. Financial Sources.