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EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis

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

32.21  +0.16 (+0.5%)

Fundamental Rating

3

EFSI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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

In the past year EFSI was profitable.
In the past year EFSI had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of 0.61%, EFSI is doing worse than 67.42% of the companies in the same industry.
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

The Profit Margin of EFSI (17.32%) is worse than 69.70% of its industry peers.
In the last couple of years the Profit Margin of EFSI has declined.
EFSI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
The number of shares outstanding for EFSI has been increased compared to 5 years ago.
The debt/assets ratio for EFSI has been reduced compared to a year ago.
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.
EFSI has a worse Debt to FCF ratio (5.18) than 71.72% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that EFSI is not too dependend on debt financing.
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 64.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.18
Altman-Z N/A
ROIC/WACCN/A
WACC12.7%
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

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%.
EFSI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.30% yearly.
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

The Earnings Per Share is expected to grow by 0.64% on average over the next years.
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. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.46, which indicates a rather cheap valuation of EFSI.
93.43% of the companies in the same industry are more expensive than EFSI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.70. EFSI is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.26, the valuation of EFSI can be described as very reasonable.
61.36% of the companies in the same industry are more expensive than EFSI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.49. EFSI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.46
Fwd PE 9.26
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

EFSI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. EFSI is more expensive than 73.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.77
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)0.85
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 3.87%.
Compared to an average industry Dividend Yield of 3.34, EFSI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, EFSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.87%

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.
Dividend Growth(5Y)8.09%
Div Incr YearsN/A
Div Non Decr YearsN/A
EFSI Yearly Dividends per shareEFSI Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

EFSI pays out 36.82% of its income as dividend. This is a sustainable payout ratio.
The dividend of EFSI is growing, but the earnings are growing slower. 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 (5/20/2025, 1:43:47 PM)

32.21

+0.16 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25
Earnings (Next)07-24 2025-07-24
Inst Owners4.38%
Inst Owner ChangeN/A
Ins Owners4.32%
Ins Owner Change1.93%
Market Cap113.56M
Analysts82.5
Price Target39.27 (21.92%)
Short Float %1.02%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend1.21
Dividend Growth(5Y)8.09%
DP36.82%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)-3.75%
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)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 7.46
Fwd PE 9.26
P/S 1.7
P/FCF 19.77
P/OCF 17.65
P/B 0.96
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)4.32
EY13.41%
EPS(NY)3.48
Fwd EY10.8%
FCF(TTM)1.63
FCFY5.06%
OCF(TTM)1.83
OCFY5.67%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)N/A
PEG (5Y)0.85
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
WACC12.7%
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