39.71 USD
-0.26 (-0.65%)
We assign a fundamental rating of 3 out of 10 to EFSI. EFSI was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of EFSI have multiple concerns. EFSI has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year EFSI was profitable.
EFSI had a positive operating cash flow in the past year.
Each year in the past 5 years EFSI has been profitable.
Of the past 5 years EFSI 4 years had a positive operating cash flow.
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.
EFSI has a better Return On Equity (9.80%) than 61.60% of its industry peers.
| 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 71.65% 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 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.
EFSI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for EFSI has been increased compared to 5 years ago.
Compared to 1 year ago, EFSI has an improved debt to assets ratio.
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.
The Debt to FCF ratio of EFSI (5.18) is worse than 72.16% of its industry peers.
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 63.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 5.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 62.65% over the past year.
The Earnings Per Share has been growing by 8.75% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to decrease by -0.29% on average over the next years.
EFSI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.60% yearly.
EPS Next Y-18.78%
EPS Next 2Y-5.88%
EPS Next 3Y-0.29%
EPS Next 5YN/A
Revenue Next Year-7.86%
Revenue Next 2Y8.29%
Revenue Next 3Y7.6%
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 Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.19 indicates a reasonable valuation of EFSI.
Based on the Price/Earnings ratio, EFSI is valued cheaper than 88.14% of the companies in the same industry.
EFSI is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
EFSI is valuated reasonably with a Price/Forward Earnings ratio of 11.32.
EFSI's Price/Forward Earnings is on the same level as the industry average.
EFSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 11.32 |
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 76.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 24.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.05
EPS Next 2Y-5.88%
EPS Next 3Y-0.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.11%, EFSI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, EFSI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, EFSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
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.
The dividend of EFSI decreased recently.
Dividend Growth(5Y)8.09%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
EFSI pays out 36.82% of its income as dividend. This is a sustainable payout ratio.
DP36.82%
EPS Next 2Y-5.88%
EPS Next 3Y-0.29%
NASDAQ:EFSI (12/30/2025, 8:19:06 PM)
39.71
-0.26 (-0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.88%
Inst Owner Change2.66%
Ins Owners4.26%
Ins Owner Change-1.17%
Market Cap140.00M
Revenue(TTM)72.78M
Net Income(TTM)11.55M
Analysts82.5
Price Target42.84 (7.88%)
Short Float %2.93%
Short Ratio6.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.11% |
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)0%
PT rev (3m)5.88%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 11.32 | ||
| P/S | 2.1 | ||
| P/FCF | 24.37 | ||
| P/OCF | 21.76 | ||
| P/B | 1.19 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.32
EY10.88%
EPS(NY)3.51
Fwd EY8.84%
FCF(TTM)1.63
FCFY4.1%
OCF(TTM)1.83
OCFY4.6%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)N/A
PEG (5Y)1.05
Graham Number57
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
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 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
WACC12.21%
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-18.78%
EPS Next 2Y-5.88%
EPS Next 3Y-0.29%
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 2Y8.29%
Revenue Next 3Y7.6%
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 3 / 10 to EFSI.
Can you provide the valuation status for EAGLE FINANCIAL SERVICES INC?
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.
What is the valuation of EAGLE FINANCIAL SERVICES INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for EAGLE FINANCIAL SERVICES INC (EFSI) is 9.19 and the Price/Book (PB) ratio is 1.19.
Is the dividend of EAGLE FINANCIAL SERVICES INC sustainable?
The dividend rating of EAGLE FINANCIAL SERVICES INC (EFSI) is 5 / 10 and the dividend payout ratio is 36.82%.