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Elmira Savings Bank (ESBK)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 18 | 18 | 17 | 14 | 18 | 15 |
| Operating profit | $m | 11 | 4 | |||||
| Net profit | $m | 4 | 4 | 5 | 4 | 3 | 4 | 3 |
| EPS reported | $ | 1.20 | 1.01 | |||||
| Operating cashflow per share | $ | 0.98 | 0.98 | |||||
| Capex per share | $ | 0.13 | 0.13 | |||||
| FCF per share | $ | 0.85 | 0.85 | |||||
| Free cash flow | $m | 3 | 1 | |||||
| Net debt | $m | -66 | 29 | |||||
| Book value equity | $m | 61 | 58 | |||||
| Book value per share | $ | 17.45 | 16.69 | |||||
| Number of shares | m | 3.48 | 3.5 | |||||
| DPS (TTM paid) | $ | 0.68 | 0.45 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.58 | - | |||||
| P/B LTM | x | 0.66 | 1.38 | |||||
| P/S LTM | x | 2.24 | 5.46 | |||||
| P/FCF LTM | x | 13.61 | 87.30 | |||||
| EV/EBITDA LTM | x | -1.63 | 10.39 | |||||
| EV/Sales LTM | x | -0.82 | 7.43 | |||||
| Earnings Yield LTM | % | 10.44% | 5.18% | |||||
| FCF Yield | % | 7.35% | 1.15% | |||||
| Quality | ||||||||
| ROE | % | 6.85% | 6.97% | |||||
| ROIC | % | 1.37% | 1.37% | |||||
| Operating margin | % | 46.86% | 46.86% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 12.36% | 12.36% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +20.00% | -25.74% | |||||
| Sales Growth YoY | % | +24.58% | -12.69% | |||||
| Net Income Growth YoY | % | +19.31% | -26.53% | |||||
| FCF Growth | % | +306.78% | -54.80% | |||||
| Operating Profit Growth | % | +1.31% | -2.78% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 5.99% | 1.95% | |||||
| Dividend Growth | % | -26.09% | - | |||||
| Payout Ratio | % | 57.68% | 57.68% | |||||
| FCF/Debt | x | 0.10 | 0.03 | |||||
| Net Debt/EBITDA | x | -4.98 | -4.98 | |||||
| EBIT/Net interest | x | 1.89 | 1.89 | |||||
| Net debt/market cap | % | -164.07% | 36.11% | |||||
| Net debt/Equity | x | -1.08 | 0.50 | |||||
| Gross debt/equity | x | 0.48 | 0.50 | |||||
Company overview
Elmira Savings Bank delivers a wide array of financial solutions tailored for both individual consumers and business entities. Its deposit offerings include various savings and money market accounts, certificates of deposit (CDs), and checking options for both retail and commercial clients, alongside NOW accounts. The institution provides diverse lending products, such as residential and commercial real estate loans, construction financing, and general commercial loans. Consumer credit solutions feature installment loans, overdraft lines of credit, and home equity loans, in addition to mortgage loans secured by first or second liens on properties ranging from single-family to four-family residences. Furthermore, Elmira Savings Bank manages a real estate investment trust and furnishes financial planning advisory services. The bank operates through a network of twelve full-service branches located across Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties, complemented by one limited-service office in Broome County, all within New York. Founded in 1869, the company is headquartered in Elmira, New York.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Elmira Savings Bank (ESBK)
Elmira Savings Bank delivers a wide array of financial solutions tailored for both individual consumers and business entities. Its deposit offerings include various savings and money market accounts, certificates of deposit (CDs), and checking options for both retail and commercial clients, alongside NOW accounts. The institution provides diverse lending products, such as residential and commercial real estate loans, construction financing, and general commercial loans. Consumer credit solutions feature installment loans, overdraft lines of credit, and home equity loans, in addition to mortgage loans secured by first or second liens on properties ranging from single-family to four-family residences. Furthermore, Elmira Savings Bank manages a real estate investment trust and furnishes financial planning advisory services. The bank operates through a network of twelve full-service branches located across Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties, complemented by one limited-service office in Broome County, all within New York. Founded in 1869, the company is headquartered in Elmira, New York.
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