EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis
NASDAQ:EFSI - Nasdaq - US26951R1041 - Common Stock - Currency: USD
EFSI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. EFSI may be in some trouble as it scores bad on both profitability and health. EFSI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
EFSI had positive earnings in the past year.
EFSI had a positive operating cash flow in the past year.
EFSI had positive earnings in each of the past 5 years.
Of the past 5 years EFSI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of EFSI (0.61%) is worse than 67.59% of its industry peers.
EFSI has a better Return On Equity (9.80%) than 64.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 9.8% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)0.81%
ROE(3y)11.93%
ROE(5y)11.28%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 17.32%, EFSI is not doing good in the industry: 70.89% of the companies in the same industry are doing better.
EFSI's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EFSI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.03%
PM growth 5Y-3.38%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EFSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EFSI has been increased compared to 1 year ago.
EFSI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EFSI has been reduced compared to a year ago.
2.2 Solvency
EFSI has a debt to FCF ratio of 5.18. This is a neutral value as EFSI would need 5.18 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.18, EFSI is doing worse than 72.41% of the companies in the same industry.
EFSI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
EFSI's Debt to Equity ratio of 0.25 is on the low side compared to the rest of the industry. EFSI is outperformed by 65.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 5.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.35%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EFSI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 62.65%, which is quite impressive.
Measured over the past years, EFSI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.75% on average per year.
EFSI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.91%.
The Revenue has been growing by 13.30% on average over the past years. This is quite good.
EPS 1Y (TTM)62.65%
EPS 3Y10.52%
EPS 5Y8.75%
EPS Q2Q%156.2%
Revenue 1Y (TTM)11.91%
Revenue growth 3Y11.63%
Revenue growth 5Y13.3%
Sales Q2Q%38.13%
3.2 Future
EFSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.64% yearly.
Based on estimates for the next years, EFSI will show a quite strong growth in Revenue. The Revenue will grow by 10.13% on average per year.
EPS Next Y-19.49%
EPS Next 2Y0.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.87%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.94 indicates a rather cheap valuation of EFSI.
Based on the Price/Earnings ratio, EFSI is valued cheaply inside the industry as 94.94% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of EFSI to the average of the S&P500 Index (26.32), we can say EFSI is valued rather cheaply.
EFSI is valuated reasonably with a Price/Forward Earnings ratio of 8.62.
65.57% of the companies in the same industry are more expensive than EFSI, based on the Price/Forward Earnings ratio.
EFSI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.94 | ||
| Fwd PE | 8.62 |
4.2 Price Multiples
73.67% of the companies in the same industry are cheaper than EFSI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y0.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.11%, EFSI is a good candidate for dividend investing.
EFSI's Dividend Yield is a higher than the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.40, EFSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
5.2 History
The dividend of EFSI is nicely growing with an annual growth rate of 8.09%!
EFSI has been paying a dividend for over 5 years, so it has already some track record.
EFSI has decreased its dividend recently.
Dividend Growth(5Y)8.09%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
EFSI pays out 36.82% of its income as dividend. This is a sustainable payout ratio.
EFSI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.82%
EPS Next 2Y0.64%
EPS Next 3YN/A
NASDAQ:EFSI (6/16/2025, 11:12:13 AM)
29.99
+0.19 (+0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner ChangeN/A
Ins Owners4.44%
Ins Owner Change2.16%
Market Cap105.73M
Analysts82.5
Price Target39.27 (30.94%)
Short Float %0.82%
Short Ratio0.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.11% |
Yearly Dividend1.21
Dividend Growth(5Y)8.09%
DP36.82%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.94 | ||
| Fwd PE | 8.62 | ||
| P/S | 1.59 | ||
| P/FCF | 18.4 | ||
| P/OCF | 16.43 | ||
| P/B | 0.9 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.32
EY14.4%
EPS(NY)3.48
Fwd EY11.6%
FCF(TTM)1.63
FCFY5.43%
OCF(TTM)1.83
OCFY6.09%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)N/A
PEG (5Y)0.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 9.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.32% | ||
| GM | N/A | ||
| FCFM | 8.61% |
ROA(3y)0.74%
ROA(5y)0.81%
ROE(3y)11.93%
ROE(5y)11.28%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.03%
PM growth 5Y-3.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 5.18 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 38.5% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 49.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.35%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)62.65%
EPS 3Y10.52%
EPS 5Y8.75%
EPS Q2Q%156.2%
EPS Next Y-19.49%
EPS Next 2Y0.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.91%
Revenue growth 3Y11.63%
Revenue growth 5Y13.3%
Sales Q2Q%38.13%
Revenue Next Year-0.87%
Revenue Next 2Y10.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-72.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-70.85%
OCF growth 3YN/A
OCF growth 5YN/A