EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis

NASDAQ:EFSI • US26951R1041

38.54 USD
-0.36 (-0.93%)
Last: Feb 11, 2026, 08:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to EFSI. EFSI was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of EFSI have multiple concerns. EFSI has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • EFSI had positive earnings in the past year.
  • In the past year EFSI had a positive cash flow from operations.
  • Of the past 5 years EFSI 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: EFSI reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

  • EFSI has a Return On Assets of 0.61%. This is in the lower half of the industry: EFSI underperforms 71.39% of its industry peers.
  • The Return On Equity of EFSI (9.80%) is better than 61.15% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

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 72.18% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • EFSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EFSI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
EFSI Yearly Shares OutstandingEFSI Yearly Shares OutstandingYearly Shares Outstanding 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 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 72.18% 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.
  • The Debt to Equity ratio of EFSI (0.25) is worse than 62.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.18
Altman-Z N/A
ROIC/WACCN/A
WACC12.15%
EFSI Yearly LT Debt VS Equity VS FCFEFSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.27%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.41% on average over the next years. This is quite good.
  • Based on estimates for the next years, EFSI will show a quite strong growth in Revenue. The Revenue will grow by 16.28% on average per year.
EPS Next Y10.93%
EPS Next 2Y11.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.28%
Revenue Next 2Y16.28%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

EFSI Yearly Revenue VS EstimatesEFSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
EFSI Yearly EPS VS EstimatesEFSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.17 indicates a reasonable valuation of EFSI.
  • Compared to the rest of the industry, the Price/Earnings ratio of EFSI indicates a somewhat cheap valuation: EFSI is cheaper than 70.34% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, EFSI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.07, the valuation of EFSI can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, EFSI is valued a bit cheaper than 67.19% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EFSI to the average of the S&P500 Index (28.01), we can say EFSI is valued rather cheaply.
Industry RankSector Rank
PE 11.17
Fwd PE 10.07
EFSI Price Earnings VS Forward Price EarningsEFSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of EFSI indicates a slightly more expensive valuation: EFSI is more expensive than 75.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 23.65
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

  • EFSI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)N/A
EPS Next 2Y11.41%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • EFSI has a Yearly Dividend Yield of 3.17%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.53, 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 1.80.
Industry RankSector Rank
Dividend Yield 3.17%

5.2 History

  • 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)N/A
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 2026 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.
DP36.82%
EPS Next 2Y11.41%
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 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 (2/11/2026, 8:19:01 PM)

38.54

-0.36 (-0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-23
Inst Owners44.94%
Inst Owner Change2.49%
Ins Owners4.26%
Ins Owner Change2.39%
Market Cap135.88M
Revenue(TTM)N/A
Net Income(TTM)11.55M
Analysts82.5
Price Target43.35 (12.48%)
Short Float %2.96%
Short Ratio5.4
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP36.82%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-02
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)1.19%
PT rev (3m)3.66%
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)0%
Valuation
Industry RankSector Rank
PE 11.17
Fwd PE 10.07
P/S 2.04
P/FCF 23.65
P/OCF 21.12
P/B 1.15
P/tB 1.15
EV/EBITDA N/A
EPS(TTM)3.45
EY8.95%
EPS(NY)3.83
Fwd EY9.93%
FCF(TTM)1.63
FCFY4.23%
OCF(TTM)1.83
OCFY4.74%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)1.02
PEG (5Y)N/A
Graham Number50.94
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC12.15%
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)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y10.93%
EPS Next 2Y11.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.27%
Revenue Next Year27.28%
Revenue Next 2Y16.28%
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

EAGLE FINANCIAL SERVICES INC / EFSI FAQ

What is the ChartMill fundamental rating of EAGLE FINANCIAL SERVICES INC (EFSI) stock?

ChartMill assigns a fundamental rating of 2 / 10 to EFSI.


What is the valuation status of EAGLE FINANCIAL SERVICES INC (EFSI) stock?

ChartMill assigns a valuation rating of 4 / 10 to EAGLE FINANCIAL SERVICES INC (EFSI). This can be considered as Fairly Valued.


Can you provide the profitability details for EAGLE FINANCIAL SERVICES INC?

EAGLE FINANCIAL SERVICES INC (EFSI) has a profitability rating of 2 / 10.


Can you provide the financial health for EFSI stock?

The financial health rating of EAGLE FINANCIAL SERVICES INC (EFSI) is 1 / 10.


Can you provide the expected EPS growth for EFSI stock?

The Earnings per Share (EPS) of EAGLE FINANCIAL SERVICES INC (EFSI) is expected to grow by 10.93% in the next year.