EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis
NASDAQ:EFSI - US26951R1041 - Common Stock
36.88 USD
-0.22 (-0.59%)
We assign a fundamental rating of 3 out of 10 to EFSI. EFSI was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of EFSI have multiple concerns. EFSI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year EFSI was profitable.
In the past year EFSI had a positive cash flow from operations.
In the past 5 years EFSI has always been profitable.
EFSI had a positive operating cash flow in 4 of the past 5 years.
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 69.05% of its industry peers.
Looking at the Return On Equity, with a value of 9.80%, EFSI is in the better half of the industry, outperforming 63.43% of the companies in the same industry.
| 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
EFSI's Profit Margin of 17.32% is on the low side compared to the rest of the industry. EFSI is outperformed by 69.05% of its industry peers.
In the last couple of years the Profit Margin of EFSI has declined.
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
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 68.29% 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 worse Debt to Equity ratio (0.25) than 63.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 5.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.55%
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 decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.03% yearly.
EFSI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.01% yearly.
EPS Next Y-10.99%
EPS Next 2Y-2.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.86%
Revenue Next 2Y8.96%
Revenue Next 3Y6.01%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.54 indicates a reasonable valuation of EFSI.
Compared to the rest of the industry, the Price/Earnings ratio of EFSI indicates a rather cheap valuation: EFSI is cheaper than 91.56% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, EFSI is valued rather cheaply.
A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of EFSI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EFSI indicates a somewhat cheap valuation: EFSI is cheaper than 63.17% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.54, EFSI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.54 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EFSI is valued a bit more expensive than 71.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EFSI's earnings are expected to decrease with -2.03% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.98
EPS Next 2Y-2.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EFSI has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
EFSI's Dividend Yield is a higher than the industry average which is at 3.56.
EFSI's Dividend Yield is a higher than the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
5.2 History
On average, the dividend of EFSI grows each year by 8.09%, which is quite nice.
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
36.82% of the earnings are spent on dividend by EFSI. This is a low number and sustainable payout ratio.
DP36.82%
EPS Next 2Y-2.03%
EPS Next 3YN/A
NASDAQ:EFSI (9/10/2025, 8:00:01 PM)
36.88
-0.22 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.16%
Inst Owner Change8.52%
Ins Owners4.44%
Ins Owner Change-0.03%
Market Cap130.02M
Analysts82.22
Price Target40.46 (9.71%)
Short Float %3%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
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)3.03%
PT rev (3m)3.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)10.56%
EPS NY rev (3m)10.56%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-14.28%
Revenue NY rev (3m)-7.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.54 | ||
| Fwd PE | 9.59 | ||
| P/S | 1.95 | ||
| P/FCF | 22.63 | ||
| P/OCF | 20.21 | ||
| P/B | 1.1 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.32
EY11.71%
EPS(NY)3.85
Fwd EY10.43%
FCF(TTM)1.63
FCFY4.42%
OCF(TTM)1.83
OCFY4.95%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)N/A
PEG (5Y)0.98
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
WACC12.55%
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-10.99%
EPS Next 2Y-2.03%
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-7.86%
Revenue Next 2Y8.96%
Revenue Next 3Y6.01%
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