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Stock profile

Elmira Savings Bank (ESBK)

Country: United States of AmericaSector: Financial ServicesIndustry: Banks - RegionalExchange: NASDAQ

Delisted · last close 13 May 2022

Current price
23.08 USD+0.04%
Last close 13 May 2022
Benchmarks

Key financial summary

Financials in USD
201520162017201820192020TTM
Total net revenue$m16181817141815
Operating profit$m114
Net profit$m4454343
EPS reported$1.201.01
Operating cashflow per share$0.980.98
Capex per share$0.130.13
FCF per share$0.850.85
Free cash flow$m31
Net debt$m-6629
Book value equity$m6158
Book value per share$17.4516.69
Number of sharesm3.483.5
DPS (TTM paid)$0.680.45

Financial summary

Financials in USD
201520162017201820192020TTM
Value
P/E TTMx9.58-
P/B LTMx0.661.38
P/S LTMx2.245.46
P/FCF LTMx13.6187.30
EV/EBITDA LTMx-1.6310.39
EV/Sales LTMx-0.827.43
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/Debtx0.100.03
Net Debt/EBITDAx-4.98-4.98
EBIT/Net interestx1.891.89
Net debt/market cap%-164.07%36.11%
Net debt/Equityx-1.080.50
Gross debt/equityx0.480.50

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.

WebsiteN/A
IndustryBanks - Regional
Trades inUSD

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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.

Delisted · last close 13 May 2022

Elmira Savings Bank (ESBK)

ESBK · NASDAQ · Financial Services
23.08 USD+0.04%
Benchmarks
Financialsin USD
20192020TTM
About

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.

IndustryBanks - Regional
Trades inUSD

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.

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