EAGLE FINANCIAL SERVICES INC (EFSI) Fundamental Analysis & Valuation

NASDAQ:EFSI • US26951R1041

Current stock price

33.31 USD
+1.3 (+4.06%)
At close:
33.31 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.
  • EFSI had positive earnings in 4 of the past 5 years.
  • In multiple years EFSI reported negative operating cash flow during the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

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 76.84% of its industry peers.
  • EFSI's Return On Equity of 9.80% is in line compared to the rest of the industry. EFSI outperforms 58.68% 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

  • The Profit Margin of EFSI (17.32%) is worse than 77.11% 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 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.
  • There is no outstanding debt for EFSI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
  • EFSI has a Debt to FCF ratio of 5.18. This is in the lower half of the industry: EFSI underperforms 70.26% of its industry peers.
  • 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: 62.11% 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
WACC12.52%
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

  • The Earnings Per Share is expected to grow by 4.44% on average over the next years.
  • EFSI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.43% yearly.
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

  • The Price/Earnings ratio is 9.63, which indicates a very decent 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 82.37% of the companies listed in the same industry.
  • EFSI is valuated cheaply when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.07, the valuation of EFSI can be described as reasonable.
  • EFSI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EFSI is cheaper than 75.79% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EFSI to the average of the S&P500 Index (22.70), we can say EFSI is valued rather cheaply.
Industry RankSector Rank
PE 9.63
Fwd PE 9.07
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

  • 73.16% of the companies in the same industry are cheaper than EFSI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 20.44
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.57
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

  • With a Yearly Dividend Yield of 3.84%, EFSI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, EFSI pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, EFSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

5.2 History

  • 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)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

  • 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 (3/23/2026, 8:00:01 PM)

After market: 33.31 0 (0%)

33.31

+1.3 (+4.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-25
Earnings (Next)04-23
Inst Owners46.42%
Inst Owner Change2.6%
Ins Owners4.3%
Ins Owner Change2.54%
Market Cap117.44M
Revenue(TTM)N/A
Net Income(TTM)11.55M
Analysts77.78
Price Target43.86 (31.67%)
Short Float %2.88%
Short Ratio5.56
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
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)1.18%
PT rev (3m)2.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.29%
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 9.63
Fwd PE 9.07
P/S 1.76
P/FCF 20.44
P/OCF 18.25
P/B 1
P/tB 1
EV/EBITDA N/A
EPS(TTM)3.46
EY10.39%
EPS(NY)3.67
Fwd EY11.02%
FCF(TTM)1.63
FCFY4.89%
OCF(TTM)1.83
OCFY5.48%
SpS18.92
BVpS33.43
TBVpS33.42
PEG (NY)1.57
PEG (5Y)N/A
Graham Number51.01
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
WACC12.52%
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 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 6.13% in the next year.