ESSA Bancorp, Inc. (ESSA)

ESSA Bancorp Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019
Interest Income on Loans	85.71	73.33	56.05	54.46	55.67	56.52
Interest Income on Investments	16.75	12.17	6.76	4.23	8.4	11.24
Total Interest Income	102.46	85.5	62.81	58.69	64.07	67.76
Interest Paid on Deposits	30.69	17.4	2.65	5.52	10.53	14.42
Interest Paid on Borrowings	12.35	6.55	0.39	0.27	5.34	6.33
Total Interest Expense	43.04	23.95	3.04	5.79	15.87	20.75
Net Interest Income	59.42	61.55	59.77	52.89	48.21	47.01
Net Interest Income Growth (YoY)	-5.75%	2.98%	13.00%	9.72%	2.55%	-2.54%
Trust Income	1.62	1.64	1.64	1.53	1.38	1.1
Gain (Loss) on Sale of Investments	-0.13	-0.13	0	0.48	2.92	0.05
Other Non-Interest Income	3.39	3.14	3.54	4.23	4.57	3.69
Total Non-Interest Income	8.07	7.91	8.51	11.49	13.26	8.16
Non-Interest Income Growth (YoY)	0.75%	-7.10%	-25.95%	-13.29%	62.50%	4.40%
Revenues Before Loan Losses	67.49	69.46	68.28	64.39	61.46	55.17
Provision for Loan Losses	-0.99	0.7	-	2.7	3.28	2.08
Revenue	68.48	68.76	68.28	61.69	58.19	53.09
Revenue Growth (YoY)	-3.01%	0.70%	10.69%	6.02%	9.60%	2.00%
Salaries and Employee Benefits	25.32	25.26	24.92	24.75	22.77	22.79
Occupancy Expenses	3.52	3.12	3.22	3.06	3	4.19
Federal Deposit Insurance	1.64	1.08	0.57	1.08	0.72	0.42
Amortization of Goodwill & Intangibles	0.14	0.19	0.24	0.27	0.28	0.31
Selling, General & Administrative	12.9	12.9	11.52	9.71	9.03	7.65
Other Non-Interest Expense	2.99	2.91	3.03	3.36	2.37	2.79
Total Non-Interest Expense	46.85	45.69	43.28	41.54	38.08	38.05
EBT Excluding Unusual Items	21.63	23.07	25	20.15	20.1	15.04
Other Unusual Items	-	-	-	-0.25	-2.5	-
Pretax Income	21.63	23.07	25	19.9	17.6	15.04
Income Tax Expense	4.19	4.49	4.93	3.47	3.18	2.42
Net Income	17.44	18.58	20.07	16.42	14.42	12.62
Net Income to Common	17.44	18.58	20.07	16.42	14.42	12.62
Net Income Growth	-11.79%	-7.44%	22.20%	13.93%	14.20%	93.28%
Basic Shares Outstanding	10	10	10	10	10	11
Diluted Shares Outstanding	10	10	10	10	10	11
Shares Change (YoY)	-1.14%	-0.41%	-1.83%	-3.87%	-3.59%	-0.93%
EPS (Basic)	1.82	1.91	2.06	1.65	1.39	1.18
EPS (Diluted)	1.81	1.91	2.06	1.65	1.39	1.18
EPS Growth	-11.03%	-7.10%	24.61%	18.71%	18.19%	96.01%
Dividend Per Share	0.600	0.600	0.540	0.470	0.440	0.400
Dividend Growth	0%	11.11%	14.89%	6.82%	10.00%	11.11%
Effective Tax Rate	19.36%	19.48%	19.73%	17.45%	18.09%	16.06%

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