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Elmira Savings Bank

ESBK

(1.2)
Stock Price

23,08 USD

0.66% ROA

6.97% ROE

19.31x PER

Market Cap.

0,00 USD

47.77% DER

0% Yield

17.48% NPM

Elmira Savings Bank Stock Analysis

Elmira Savings Bank Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Elmira Savings Bank Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE falls within an average range (6.97%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

2 ROA

The stock's ROA (0.66%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

3 PBV

The stock's PBV ratio (1.32x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

5 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (127) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 DER

The stock is burdened with a heavy load of debt (962%), making it financially unstable and potentially risky for investors.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Elmira Savings Bank Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Elmira Savings Bank Technical Stock Analysis
# Analysis Recommendation

Elmira Savings Bank Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Elmira Savings Bank Revenue
Year Revenue Growth
1986 6.050.000
1987 6.940.000 12.82%
1988 -800.000 967.5%
1989 -800.000 0%
1990 -100.000 -700%
1991 -100.000 0%
1992 600.000 116.67%
1993 10.000.000 94%
1994 9.700.000 -3.09%
1995 9.600.000 -1.04%
1996 9.500.000 -1.05%
1997 10.400.000 8.65%
1998 9.511.000 -9.35%
1999 10.738.000 11.43%
2000 11.003.000 2.41%
2001 11.220.000 1.93%
2002 11.688.000 4%
2003 12.594.000 7.19%
2004 12.481.000 -0.91%
2005 12.837.000 2.77%
2006 1.943.000 -560.68%
2007 13.111.000 85.18%
2008 17.864.000 26.61%
2009 20.341.000 12.18%
2010 19.512.000 -4.25%
2011 20.277.000 3.77%
2012 21.139.000 4.08%
2013 20.610.000 -2.57%
2014 20.170.000 -2.18%
2015 21.025.000 4.07%
2016 22.420.000 6.22%
2017 21.985.000 -1.98%
2018 21.088.000 -4.25%
2019 21.480.000 1.82%
2020 23.799.000 9.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Elmira Savings Bank Research and Development Expenses
Year Research and Development Expenses Growth
1986 0
1987 0 0%
1988 0 0%
1989 0 0%
1990 0 0%
1991 0 0%
1992 0 0%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Elmira Savings Bank General and Administrative Expenses
Year General and Administrative Expenses Growth
1986 4.630.000
1987 5.110.000 9.39%
1988 0 0%
1989 0 0%
1990 0 0%
1991 2.900.000 100%
1992 3.200.000 9.38%
1993 9.430.000 66.07%
1994 3.900.000 -141.79%
1995 4.300.000 9.3%
1996 4.200.000 -2.38%
1997 4.100.000 -2.44%
1998 3.609.000 -13.6%
1999 3.720.000 2.98%
2000 3.891.000 4.39%
2001 3.781.000 -2.91%
2002 3.951.000 4.3%
2003 4.086.000 3.3%
2004 4.286.000 4.67%
2005 4.295.000 0.21%
2006 1.155.000 -271.86%
2007 6.396.000 81.94%
2008 9.056.000 29.37%
2009 8.574.000 -5.62%
2010 7.591.000 -12.95%
2011 7.513.000 -1.04%
2012 6.770.000 -10.97%
2013 7.382.000 8.29%
2014 7.692.000 4.03%
2015 7.324.000 -5.02%
2016 7.927.000 7.61%
2017 8.183.000 3.13%
2018 8.088.000 -1.17%
2019 17.160.000 52.87%
2020 8.965.000 -91.41%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Elmira Savings Bank EBITDA
Year EBITDA Growth
1986 13.460.000
1987 12.340.000 -9.08%
1988 3.440.000 -258.72%
1989 2.760.000 -24.64%
1990 1.920.000 -43.75%
1991 14.000.000 86.29%
1992 12.600.000 -11.11%
1993 10.130.000 -24.38%
1994 9.300.000 -8.92%
1995 10.100.000 7.92%
1996 10.400.000 2.88%
1997 12.200.000 14.75%
1998 11.620.000 -4.99%
1999 11.823.000 1.72%
2000 14.102.000 16.16%
2001 14.441.000 2.35%
2002 12.295.000 -17.45%
2003 10.770.000 -14.16%
2004 10.358.000 -3.98%
2005 11.476.000 9.74%
2006 3.211.000 -257.4%
2007 15.776.000 79.65%
2008 16.913.000 6.72%
2009 17.387.000 2.73%
2010 16.132.000 -7.78%
2011 14.713.000 -9.64%
2012 14.433.000 -1.94%
2013 12.418.000 -16.23%
2014 10.859.000 -14.36%
2015 11.656.000 6.84%
2016 11.476.000 -1.57%
2017 10.014.000 -14.6%
2018 10.601.000 5.54%
2019 11.680.000 9.24%
2020 11.950.000 2.26%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Elmira Savings Bank Gross Profit
Year Gross Profit Growth
1986 -5.380.000
1987 -3.530.000 -52.41%
1988 -800.000 -341.25%
1989 -800.000 0%
1990 -100.000 -700%
1991 -100.000 0%
1992 600.000 116.67%
1993 1.180.000 49.15%
1994 9.700.000 87.84%
1995 9.600.000 -1.04%
1996 9.500.000 -1.05%
1997 10.400.000 8.65%
1998 9.511.000 -9.35%
1999 10.738.000 11.43%
2000 11.003.000 2.41%
2001 11.220.000 1.93%
2002 11.688.000 4%
2003 12.594.000 7.19%
2004 12.481.000 -0.91%
2005 12.837.000 2.77%
2006 1.943.000 -560.68%
2007 13.111.000 85.18%
2008 17.864.000 26.61%
2009 20.341.000 12.18%
2010 19.512.000 -4.25%
2011 20.277.000 3.77%
2012 21.139.000 4.08%
2013 20.610.000 -2.57%
2014 20.170.000 -2.18%
2015 21.025.000 4.07%
2016 22.420.000 6.22%
2017 21.985.000 -1.98%
2018 21.088.000 -4.25%
2019 21.480.000 1.82%
2020 23.799.000 9.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Elmira Savings Bank Net Profit
Year Net Profit Growth
1986 1.320.000
1987 1.060.000 -24.53%
1988 1.300.000 18.46%
1989 1.000.000 -30%
1990 800.000 -25%
1991 700.000 -14.29%
1992 1.100.000 36.36%
1993 570.000 -92.98%
1994 400.000 -42.5%
1995 300.000 -33.33%
1996 600.000 50%
1997 900.000 33.33%
1998 1.322.000 31.92%
1999 1.625.000 18.65%
2000 2.017.000 19.43%
2001 2.272.000 11.22%
2002 2.336.000 2.74%
2003 2.443.000 4.38%
2004 2.600.000 6.04%
2005 2.782.000 6.54%
2006 -262.000 1161.83%
2007 2.095.000 112.51%
2008 3.018.000 30.58%
2009 4.526.000 33.32%
2010 4.833.000 6.35%
2011 5.029.000 3.9%
2012 5.213.000 3.53%
2013 5.054.000 -3.15%
2014 3.665.000 -37.9%
2015 4.122.000 11.09%
2016 4.337.000 4.96%
2017 4.851.000 10.6%
2018 4.239.000 -14.44%
2019 3.600.000 -17.75%
2020 4.159.000 13.44%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Elmira Savings Bank Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1986 1
1987 0 0%
1988 1 100%
1989 1 0%
1990 1 0%
1991 1 0%
1992 1 100%
1993 0 0%
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 100%
2003 1 0%
2004 1 0%
2005 1 0%
2006 0 0%
2007 1 0%
2008 1 100%
2009 2 0%
2010 2 0%
2011 2 0%
2012 2 0%
2013 2 0%
2014 1 0%
2015 1 0%
2016 2 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Elmira Savings Bank Free Cashflow
Year Free Cashflow Growth
1988 1.880.000
1989 940.000 -100%
1990 1.540.000 38.96%
1991 2.700.000 42.96%
1992 1.000.000 -170%
1993 2.470.000 59.51%
1994 3.800.000 35%
1995 -500.000 860%
1996 2.600.000 119.23%
1997 -300.000 966.67%
1998 2.053.000 114.61%
1999 580.000 -253.97%
2000 1.151.000 49.61%
2001 4.181.000 72.47%
2002 1.094.000 -282.18%
2003 -2.134.000 151.27%
2004 9.274.000 123.01%
2005 4.120.000 -125.1%
2006 1.278.000 -222.38%
2007 3.816.000 66.51%
2008 2.192.000 -74.09%
2009 4.168.000 47.41%
2010 6.316.000 34.01%
2011 4.944.000 -27.75%
2012 2.510.000 -96.97%
2013 6.907.000 63.66%
2014 3.109.000 -122.16%
2015 -542.000 673.62%
2016 4.139.000 113.09%
2017 2.398.000 -72.6%
2018 7.741.000 69.02%
2019 723.000 -970.68%
2020 2.941.000 75.42%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Elmira Savings Bank Operating Cashflow
Year Operating Cashflow Growth
1988 2.330.000
1989 1.330.000 -75.19%
1990 2.430.000 45.27%
1991 2.900.000 16.21%
1992 1.900.000 -52.63%
1993 3.090.000 38.51%
1994 4.000.000 22.75%
1995 -200.000 2100%
1996 3.400.000 105.88%
1997 1.700.000 -100%
1998 2.294.000 25.89%
1999 1.900.000 -20.74%
2000 1.754.000 -8.32%
2001 5.005.000 64.96%
2002 1.984.000 -152.27%
2003 -1.773.000 211.9%
2004 9.898.000 117.91%
2005 4.390.000 -125.47%
2006 1.600.000 -174.38%
2007 4.032.000 60.32%
2008 2.930.000 -37.61%
2009 4.657.000 37.08%
2010 6.856.000 32.07%
2011 5.410.000 -26.73%
2012 5.740.000 5.75%
2013 8.264.000 30.54%
2014 4.628.000 -78.57%
2015 2.808.000 -64.81%
2016 5.384.000 47.85%
2017 7.331.000 26.56%
2018 8.681.000 15.55%
2019 963.000 -801.45%
2020 3.405.000 71.72%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Elmira Savings Bank Capital Expenditure
Year Capital Expenditure Growth
1988 450.000
1989 390.000 -15.38%
1990 890.000 56.18%
1991 200.000 -345%
1992 900.000 77.78%
1993 620.000 -45.16%
1994 200.000 -210%
1995 300.000 33.33%
1996 800.000 62.5%
1997 2.000.000 60%
1998 241.000 -729.88%
1999 1.320.000 81.74%
2000 603.000 -118.91%
2001 824.000 26.82%
2002 890.000 7.42%
2003 361.000 -146.54%
2004 624.000 42.15%
2005 270.000 -131.11%
2006 322.000 16.15%
2007 216.000 -49.07%
2008 738.000 70.73%
2009 489.000 -50.92%
2010 540.000 9.44%
2011 466.000 -15.88%
2012 3.230.000 85.57%
2013 1.357.000 -138.03%
2014 1.519.000 10.66%
2015 3.350.000 54.66%
2016 1.245.000 -169.08%
2017 4.933.000 74.76%
2018 940.000 -424.79%
2019 240.000 -291.67%
2020 464.000 48.28%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Elmira Savings Bank Equity
Year Equity Growth
1988 11.600.000
1989 12.000.000 3.33%
1990 12.500.000 4%
1991 13.400.000 6.72%
1992 14.400.000 6.94%
1993 14.300.000 -0.7%
1994 13.900.000 -2.88%
1995 14.300.000 2.8%
1996 14.100.000 -1.42%
1997 14.600.000 3.42%
1998 15.103.000 3.33%
1999 15.375.000 1.77%
2000 17.809.000 13.67%
2001 19.883.000 10.43%
2002 21.378.000 6.99%
2003 22.121.000 3.36%
2004 22.275.000 0.69%
2005 22.785.000 2.24%
2006 24.634.000 7.51%
2007 41.019.000 39.94%
2008 51.559.000 20.44%
2009 54.492.000 5.38%
2010 56.399.000 3.38%
2011 64.563.000 12.65%
2012 66.858.000 3.43%
2013 53.971.000 -23.88%
2014 55.439.000 2.65%
2015 54.718.000 -1.32%
2016 55.670.000 1.71%
2017 56.629.000 1.69%
2018 57.898.000 2.19%
2019 58.400.000 0.86%
2020 60.711.000 3.81%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Elmira Savings Bank Assets
Year Assets Growth
1988 191.000.000
1989 188.900.000 -1.11%
1990 198.300.000 4.74%
1991 211.600.000 6.29%
1992 225.900.000 6.33%
1993 227.300.000 0.62%
1994 225.100.000 -0.98%
1995 225.000.000 -0.04%
1996 222.800.000 -0.99%
1997 231.000.000 3.55%
1998 244.644.000 5.58%
1999 259.345.000 5.67%
2000 280.099.000 7.41%
2001 279.662.000 -0.16%
2002 284.049.000 1.54%
2003 284.654.000 0.21%
2004 318.964.000 10.76%
2005 333.322.000 4.31%
2006 371.470.000 10.27%
2007 453.687.000 18.12%
2008 480.600.000 5.6%
2009 498.983.000 3.68%
2010 499.839.000 0.17%
2011 523.358.000 4.49%
2012 536.936.000 2.53%
2013 514.325.000 -4.4%
2014 545.969.000 5.8%
2015 561.344.000 2.74%
2016 573.450.000 2.11%
2017 554.560.000 -3.41%
2018 590.040.000 6.01%
2019 615.600.000 4.15%
2020 644.587.000 4.5%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Elmira Savings Bank Liabilities
Year Liabilities Growth
1988 179.400.000
1989 176.900.000 -1.41%
1990 185.800.000 4.79%
1991 198.200.000 6.26%
1992 211.500.000 6.29%
1993 213.000.000 0.7%
1994 211.200.000 -0.85%
1995 210.700.000 -0.24%
1996 208.700.000 -0.96%
1997 216.400.000 3.56%
1998 229.541.000 5.72%
1999 243.970.000 5.91%
2000 262.290.000 6.98%
2001 259.779.000 -0.97%
2002 262.671.000 1.1%
2003 262.533.000 -0.05%
2004 296.689.000 11.51%
2005 310.537.000 4.46%
2006 346.836.000 10.47%
2007 412.668.000 15.95%
2008 428.986.000 3.8%
2009 444.437.000 3.48%
2010 443.388.000 -0.24%
2011 458.743.000 3.35%
2012 470.027.000 2.4%
2013 460.300.000 -2.11%
2014 490.476.000 6.15%
2015 506.573.000 3.18%
2016 517.727.000 2.15%
2017 497.879.000 -3.99%
2018 532.091.000 6.43%
2019 557.200.000 4.51%
2020 583.826.000 4.56%

Elmira Savings Bank Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.84
Net Income per Share
1.2
Price to Earning Ratio
19.31x
Price To Sales Ratio
0x
POCF Ratio
23.59
PFCF Ratio
0
Price to Book Ratio
1.32
EV to Sales
-2.5
EV Over EBITDA
-4.98
EV to Operating CashFlow
-17.48
EV to FreeCashFlow
-20.24
Earnings Yield
0.05
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-0,06 Bil.
Graham Number
21.66
Graham NetNet
-140.23

Income Statement Metrics

Net Income per Share
1.2
Income Quality
0.82
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.79
EBT Per Ebit
0.47
Ebit per Revenue
0.47
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.47
Pretax Profit Margin
0.22
Net Profit Margin
0.17

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.58
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.98
Free CashFlow per Share
0.85
Capex to Operating CashFlow
-0.14
Capex to Revenue
-0.02
Capex to Depreciation
-0.58
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
23.99
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
15.22
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.13

Balance Sheet

Cash per Share
27,20
Book Value per Share
17,45
Tangible Book Value per Share
13.92
Shareholders Equity per Share
17.45
Interest Debt per Share
10.03
Debt to Equity
0.48
Debt to Assets
0.04
Net Debt to EBITDA
-4.98
Current Ratio
0
Tangible Asset Value
0,05 Bil.
Net Current Asset Value
0,02 Bil.
Invested Capital
0.48
Working Capital
0,60 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Elmira Savings Bank Dividends
Year Dividends Growth
1988 0
1989 0 0%
1990 0 0%
1991 0 0%
1992 1 0%
1993 1 0%
1994 1 0%
1995 1 0%
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 0 0%

Elmira Savings Bank Profile

About Elmira Savings Bank

Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, comprising of installment loans, overdraft line of credit, and home equity loans; and mortgage loans secured by first and second liens on one-to-four family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and one limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

CEO
Mr. Thomas Carr
Employee
109
Address
333 E Water St
Elmira, 14901

Elmira Savings Bank Executives & BODs

Elmira Savings Bank Executives & BODs
# Name Age

Elmira Savings Bank Competitors