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EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis

NASDAQ:EFSI - Nasdaq - US26951R1041 - Common Stock - Currency: USD

33.73  +0.01 (+0.03%)

Fundamental Rating

3

Taking everything into account, EFSI scores 3 out of 10 in our fundamental rating. EFSI was compared to 396 industry peers in the Banks industry. EFSI has a bad profitability rating. Also its financial health evaluation is rather negative. EFSI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years EFSI has been profitable.
EFSI had a positive operating cash flow in 4 of the past 5 years.
EFSI Yearly Net Income VS EBIT VS OCF VS FCFEFSI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

EFSI's Return On Assets of 0.61% is on the low side compared to the rest of the industry. EFSI is outperformed by 67.17% of its industry peers.
EFSI has a better Return On Equity (9.80%) than 64.65% of its industry peers.
Industry RankSector 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
EFSI Yearly ROA, ROE, ROICEFSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

EFSI has a Profit Margin of 17.32%. This is in the lower half of the industry: EFSI underperforms 70.71% of its industry peers.
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 RankSector 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
EFSI Yearly Profit, Operating, Gross MarginsEFSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

EFSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EFSI has more shares outstanding
EFSI has more shares outstanding than it did 5 years ago.
EFSI has a better debt/assets ratio than last year.
EFSI Yearly Shares OutstandingEFSI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M
EFSI Yearly Total Debt VS Total AssetsEFSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of EFSI is 5.18, which is a neutral value as it means it would take EFSI, 5.18 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.18, EFSI is doing worse than 71.21% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that EFSI is not too dependend on debt financing.
EFSI has a Debt to Equity ratio of 0.25. This is in the lower half of the industry: EFSI underperforms 65.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.18
Altman-Z N/A
ROIC/WACCN/A
WACC12.72%
EFSI Yearly LT Debt VS Equity VS FCFEFSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EFSI Yearly Current Assets VS Current LiabilitesEFSI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2020 2021 2022 2023 10M 20M 30M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 62.65% over the past year.
EFSI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.75% yearly.
The Revenue has grown by 11.91% in the past year. This is quite good.
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.
The Revenue is expected to grow by 10.13% on average over the next years. This is quite good.
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
EFSI Yearly Revenue VS EstimatesEFSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
EFSI Yearly EPS VS EstimatesEFSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.81, the valuation of EFSI can be described as very cheap.
92.93% of the companies in the same industry are more expensive than EFSI, based on the Price/Earnings ratio.
EFSI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.46.
EFSI is valuated reasonably with a Price/Forward Earnings ratio of 9.70.
Based on the Price/Forward Earnings ratio, EFSI is valued a bit cheaper than 60.10% of the companies in the same industry.
EFSI is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.81
Fwd PE 9.7
EFSI Price Earnings VS Forward Price EarningsEFSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

73.48% of the companies in the same industry are cheaper than EFSI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.7
EV/EBITDA N/A
EFSI Per share dataEFSI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.89
EPS Next 2Y0.64%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

EFSI has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.29, EFSI pays a bit more dividend than its industry peers.
EFSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 3.71%

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
EFSI Yearly Dividends per shareEFSI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

36.82% of the earnings are spent on dividend by EFSI. This is a low number and 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
EFSI Yearly Income VS Free CF VS DividendEFSI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M
EFSI Dividend Payout.EFSI Dividend Payout, showing the Payout Ratio.EFSI Dividend Payout.PayoutRetained Earnings

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EAGLE FINANCIAL SERVICES INC

NASDAQ:EFSI (7/22/2025, 12:54:39 PM)

33.73

+0.01 (+0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/amc
Earnings (Next)07-23 2025-07-23
Inst Owners40.16%
Inst Owner Change0%
Ins Owners4.44%
Ins Owner Change1.9%
Market Cap118.92M
Analysts82.5
Price Target39.27 (16.42%)
Short Float %3.26%
Short Ratio2.7
Dividend
Industry RankSector Rank
Dividend Yield 3.71%
Yearly Dividend1.21
Dividend Growth(5Y)8.09%
DP36.82%
Div Incr Years1
Div Non Decr Years1
Ex-Date05-05 2025-05-05 (0.31)
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)-3.75%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 RankSector Rank
PE 7.81
Fwd PE 9.7
P/S 1.78
P/FCF 20.7
P/OCF 18.48
P/B 1.01
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)4.32
EY12.81%
EPS(NY)3.48
Fwd EY10.31%
FCF(TTM)1.63
FCFY4.83%
OCF(TTM)1.83
OCFY5.41%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)N/A
PEG (5Y)0.89
Profitability
Industry RankSector 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 RankSector 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
WACC12.72%
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