Elmira Savings Bank Elmira NY Profit Margin

Elmira Savings Bank Elmira NY (ESBK) currently reports a profit margin of 16.59% as of September 2019. That compares with 22.53% in the prior-year period — down 26.4% year over year. That is below the Finance sector average of 25.78%. Use the charts on this page to explore Elmira Savings Bank Elmira NY's profit margin history and peer comparisons.

Elmira Savings Bank Elmira NY's profit margin decreased from 22.53% to 16.59% — a 26.4% year-over-year decrease (period ending September 2019). Watching multi-year history on the chart below helps separate one-off swings from a lasting trend.

Elmira Savings Bank Elmira NY's profit margin of 16.59% is lower than the Finance sector average of 25.78%. That is roughly 35.7% below the sector mean. A reading lower peers can reflect different growth expectations, capital structure, or profitability — so it is worth checking the peer comparison chart before drawing conclusions.

There is no universal 'good' profit margin, but Elmira Savings Bank Elmira NY's current 16.59% should be judged against Finance norms (sector average: 25.78%) and against ESBK's own history. Strong, stable readings often indicate durable competitive advantage; volatile or declining ones deserve a closer look at margins and capital efficiency.

Start with the current profit margin of 16.59%, then check the historical chart for trend and the peer comparison chart for relative positioning. The Finance average is 25.78%. From there, open related valuation or income-statement pages for Elmira Savings Bank Elmira NY, and consider following ESBK for alerts when major investors trade the stock.