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	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	90.06	87.69	73.33	56.05	54.46	55.67
Interest Income on Investments	13.66	15.77	12.17	6.76	4.23	8.4
Total Interest Income	103.72	103.46	85.5	62.81	58.69	64.07
Interest Paid on Deposits	37.41	33.32	17.4	2.65	5.52	10.53
Interest Paid on Borrowings	9.39	11.86	6.55	0.39	0.27	5.34
Total Interest Expense	46.81	45.18	23.95	3.04	5.79	15.87
Net Interest Income	56.92	58.28	61.55	59.77	52.89	48.21
Net Interest Income Growth (YoY)	-5.93%	-5.32%	2.98%	13.00%	9.72%	2.55%
Trust Income	1.74	1.64	1.64	1.64	1.53	1.38
Gain (Loss) on Sale of Investments	-0	-0.01	-0.13	0	0.48	2.92
Other Non-Interest Income	3.4	3.39	3.14	3.54	4.23	4.57
Total Non-Interest Income	8.31	8.2	7.91	8.51	11.49	13.26
Non-Interest Income Growth (YoY)	5.41%	3.77%	-7.10%	-25.96%	-13.29%	62.50%
Revenues Before Loan Losses	65.23	66.48	69.46	68.28	64.39	61.46
Provision for Loan Losses	-1.12	-1.36	0.7	-	2.7	3.28
Revenue	66.35	67.84	68.76	68.28	61.69	58.19
Revenue Growth (YoY)	-3.68%	-1.33%	0.70%	10.69%	6.02%	9.60%
Salaries and Employee Benefits	26.2	25.54	25.26	24.92	24.75	22.77
Occupancy Expenses	3.34	3.4	3.12	3.22	3.06	3
Federal Deposit Insurance	1.54	1.64	1.08	0.57	1.08	0.72
Amortization of Goodwill & Intangibles	-	0.09	0.19	0.24	0.27	0.28
Selling, General & Administrative	13.31	13.19	12.9	11.52	9.71	9.03
Other Non-Interest Expense	2.61	2.93	2.91	3.03	3.36	2.37
Total Non-Interest Expense	47.01	46.88	45.69	43.28	41.54	38.08
EBT Excluding Unusual Items	19.34	20.96	23.07	25	20.15	20.1
Other Unusual Items	-	-	-	-	-0.25	-2.5
Pretax Income	18.29	20.96	23.07	25	19.9	17.6
Income Tax Expense	3.51	3.97	4.49	4.93	3.47	3.18
Net Income	14.78	16.99	18.58	20.07	16.42	14.42
Net Income to Common	14.78	16.99	18.58	20.07	16.42	14.42
Net Income Growth	-17.52%	-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)	-1.22%	-1.98%	-0.41%	-1.83%	-3.86%	-3.59%
EPS (Basic)	1.55	1.78	1.91	2.06	1.65	1.39
EPS (Diluted)	1.55	1.78	1.91	2.06	1.65	1.39
EPS Growth	-16.53%	-6.81%	-7.10%	24.61%	18.70%	18.19%
Dividend Per Share	0.600	0.600	0.600	0.540	0.470	0.440
Dividend Growth	-	-	11.11%	14.89%	6.82%	10.00%
Effective Tax Rate	19.19%	18.94%	19.48%	19.73%	17.46%	18.09%

Updated Feb 10, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q