EAGLE FINANCIAL SERVICES INC (EFSI) Fundamental Analysis & Valuation

NASDAQ:EFSI • US26951R1041

Current stock price

38.06 USD
-1.23 (-3.13%)
At close:
38.06 USD
0 (0%)
After Hours:

This EFSI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EFSI Profitability Analysis

1.1 Basic Checks

  • In the past year EFSI was profitable.
  • EFSI had a positive operating cash flow in the past year.
  • 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

  • With a Return On Assets value of 0.61%, EFSI is not doing good in the industry: 78.99% of the companies in the same industry are doing better.
  • The Return On Equity of EFSI (9.80%) is comparable to the rest of the industry.
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 79.79% 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 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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1

2. EFSI Health Analysis

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

  • 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.
  • With a Debt to FCF ratio value of 5.18, EFSI is not doing good in the industry: 72.34% of the companies in the same industry are doing better.
  • EFSI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.25, EFSI is not doing good in the industry: 64.10% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.18
Altman-Z N/A
ROIC/WACCN/A
WACC12.23%
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. EFSI Growth Analysis

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%-1.29%

3.2 Future

  • EFSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.44% yearly.
  • The Revenue is expected to grow by 9.43% on average over the next years. This is quite good.
EPS Next Y6.13%
EPS Next 2Y4.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.73%
Revenue Next 2Y9.43%
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

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4

4. EFSI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.00 indicates a reasonable valuation of EFSI.
  • 63.30% of the companies in the same industry are more expensive than EFSI, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, EFSI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.36, which indicates a very decent valuation of EFSI.
  • EFSI's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, EFSI is valued rather cheaply.
Industry RankSector Rank
PE 11
Fwd PE 10.36
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

  • Based on the Price/Free Cash Flow ratio, EFSI is valued a bit more expensive than 78.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.36
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)1.8
PEG (5Y)N/A
EPS Next 2Y4.44%
EPS Next 3YN/A

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

5

5. EFSI Dividend Analysis

5.1 Amount

  • EFSI has a Yearly Dividend Yield of 3.24%.
  • EFSI's Dividend Yield is a higher than the industry average which is at 2.56.
  • EFSI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.24%

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 in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
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

  • EFSI pays out 36.82% of its income as dividend. This is a sustainable payout ratio.
DP36.82%
EPS Next 2Y4.44%
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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EFSI Fundamentals: All Metrics, Ratios and Statistics

EAGLE FINANCIAL SERVICES INC

NASDAQ:EFSI (4/24/2026, 8:00:01 PM)

After market: 38.06 0 (0%)

38.06

-1.23 (-3.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners46.18%
Inst Owner Change0%
Ins Owners4.53%
Ins Owner Change2.54%
Market Cap134.19M
Revenue(TTM)N/A
Net Income(TTM)11.55M
Analysts77.78
Price Target43.86 (15.24%)
Short Float %3.07%
Short Ratio5.96
Dividend
Industry RankSector Rank
Dividend Yield 3.24%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP36.82%
Div Incr Years2
Div Non Decr Years2
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)0%
PT rev (3m)2.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)12.36%
Valuation
Industry RankSector Rank
PE 11
Fwd PE 10.36
P/S 2.01
P/FCF 23.36
P/OCF 20.85
P/B 1.14
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)3.46
EY9.09%
EPS(NY)3.67
Fwd EY9.65%
FCF(TTM)1.63
FCFY4.28%
OCF(TTM)1.83
OCFY4.8%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)1.8
PEG (5Y)N/A
Graham Number51.0112 (34.03%)
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
WACC12.23%
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 Y6.13%
EPS Next 2Y4.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.29%
Revenue Next Year14.73%
Revenue Next 2Y9.43%
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 Fundamental Analysis 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 for EFSI stock?

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


What is the profitability of EFSI stock?

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


What is the earnings growth outlook for EAGLE FINANCIAL SERVICES INC?

The Earnings per Share (EPS) of EAGLE FINANCIAL SERVICES INC (EFSI) is expected to grow by 6.13% in the next year.


How sustainable is the dividend of EAGLE FINANCIAL SERVICES INC (EFSI) stock?

The dividend rating of EAGLE FINANCIAL SERVICES INC (EFSI) is 5 / 10 and the dividend payout ratio is 36.82%.