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CIK 1382230

ESSA Bancorp, Inc.
CIK 0001382230 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
5.2
composite ยท 2 signals ยท CLEAN

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-05 ยท FY 2024-09-30 ยท CLEAN6.5

Tax arbitrage

ETR 18.9% โ€” within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2024-12-13) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2024-09-30": 0.1894,
    "2023-09-30": 0.1948,
    "2022-09-30": 0.1973
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2024-09-30": 0.0206,
    "2023-09-30": 0.0152,
    "2022-09-30": 0.0127
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2024-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1382230/000095017024136130/0000950170-24-136130-index.htm",
    "form": "10-K",
    "filed": "2024-12-13"
  }
}
P-07 ยท FY 2024-09-30 ยท CLEAN0.0

Pension underfunding

DB plan 164% funded
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2024-12-13) โ†—
Evidence โ€” inputs and thresholds
{
  "benefit_obligation": 12825000,
  "plan_assets": 21065000,
  "funded_ratio": 1.6425,
  "deficit": 8240000,
  "deficit_vs_equity": null,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2024-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1382230/000095017024136130/0000950170-24-136130-index.htm",
    "form": "10-K",
    "filed": "2024-12-13"
  }
}