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Profile - Elmira Savings Bank, FSB (NasdaqSC:ESBK)
As of 31-Aug-2001
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Sep 28Dividend payment of $0.18
Location
333 East Water Street
Elmira, NY 14901
Phone: (607) 734-3374
Fax: (607) 732-4007
Email: info@elmirasavingsbank.com
Employees (last reported count): 93
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 20%
·Over the last 6 months:
 · 2 insider sells; 2,000  shares
  (1.1% of insider shares)
·Institutional: 22% (28% of float)
(7 institutions)
·Net Inst. Selling: 1,000  shares (+0.51%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Elmira Savings Bank (the Bank) is a community bank serving the Southern tier of New York and Northern Tier of Pennsylvania. The Bank operates six offices in Chemung County, New York, and Tioga County, Pennsylvania. Founded in 1869, the Bank converted to a Federal Stock Savings Bank in 1985. Elmira Savings Bank offers a wide range of products and services, including savings and time accounts, personal checking, loans and business banking.
More from Market Guide: Expanded Business Description

Financial Summary
Elmira Savings Bank is a community bank operating five offices across NY and one in PA. For the nine months ended 9/30/00, total interest income increased 11% to $14.9 million. Net interest income after loan loss prov. rose 7% to $7.3 million. Net income rose 23% to $1.5 million. Total interest income reflects increased loans outstanding. Higher income also reflects higher other income and the absence of a $255 thousand arbitration award charges.

Recent Earnings Announcement
For the 3 months ended 12/31/2000, after tax earnings were 506. (Preliminary; reported in thousands of dollars.)

More from Market Guide: Significant Developments

Officers

Position
George HowellChairman
John BruglerPres, CEO
Michael HoseyCOO, Exec. VP, Director
J. Patrick PhillipsController
John AlexanderSec.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:ESBKAs of 31-Aug-2001
Price and Volume
52-Week Low
on 17-Oct-2000
$17.159
Recent Price$22.56 
52-Week High
on 8-June-2001
$24.65 
Beta0.28 
Daily Volume (3-month avg)727 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+26.4%
52-Week Change
relative to S&P500
+69.6%
Share-Related Items
Market Capitalization$19.9M
Shares Outstanding880.0K
Float700.0K
Dividends & Splits
Annual Dividend (indicated)$0.72 
Dividend Yield3.19%
Last Split: 11 for 10 on 6-June-2001
Per-Share Data
Book Value (mrq*)$19.18 
Earnings (ttm)$2.29 
Earnings (mrq)$0.54 
SalesN/A 
Cash (mrq*)$5.37 
Valuation Ratios
Price/Book (mrq*)1.18 
Price/Earnings (ttm)9.85 
Price/SalesN/A 
Income Statements
SalesN/A 
EBITDAN/A 
Income available to common (ttm)$2.02M
Profitability
Profit MarginN/A 
Operating Margin (ttm)49.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter
(fully updated)
30-Sep-2000
Most recent quarter
(flash earnings)
31-Dec-2000
Management Effectiveness
Return on Assets (ttm)0.75%
Return on Equity (ttm)12.62%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$0 
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume0 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 31-Dec-2000, except mrq*/ttm* items as of 30-Sep-2000)

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