A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
EAGLE FINANCIAL SERVICES INC
EFSI
$209M
Mkt Cap
$40.48
-2.34%
EAGLE FINANCIAL SERVICES INC (EFSI) has a current P/E ratio of 16.2, compared to its historical median P/E of 9.0. The stock is currently considered Expensive based on its historical valuation range.
EAGLE FINANCIAL SERVICES INC (EFSI) has a 5-year average return on invested capital (ROIC) of 9.8%. This is below average and may indicate limited pricing power.
EAGLE FINANCIAL SERVICES INC (EFSI) has a market capitalization of $209M. It is classified as a small-cap stock.
Yes, EAGLE FINANCIAL SERVICES INC (EFSI) pays a dividend with a trailing twelve-month yield of 2.92%.
Based on historical P/E analysis, EAGLE FINANCIAL SERVICES INC (EFSI) appears expensive. The current P/E of 16.2 is 80% above its historical median of 9.0. The estimated fair value CAGR (P/E method) is -0.3%.
EAGLE FINANCIAL SERVICES INC (EFSI) operates in the State Commercial Banks industry, within the Financials sector.
EAGLE FINANCIAL SERVICES INC (EFSI) reported annual revenue of $106 million in its most recent fiscal year, based on SEC EDGAR filings.
Eagle Financial Services, Inc. is a bank holding company that was incorporated in 1991. The company is headquartered in Berryville, Virginia and conducts its operations through its subsidiary, Bank of Clarke (the “Bank”). The Bank is chartered under Virginia law. For purposes of this annual report on Form 10-K, the terms the "Company," "our," "us" and "we" refer to Eagle Financial Services, Inc. and our subsidiary as a combined entity, unless this report otherwise indicates or the context otherwise requires. The Bank has fifteen full-service branches, one loan production office, one wealth management office and one drive-through only facility. The Bank’s main office is located at 2 East Main Street in Berryville, Virginia. The Bank opened for business on April 1, 1881. The Bank's market area is located in the Shenandoah Valley of Virginia, Northern Virginia and Frederick, Maryland.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 106M | 106M | 113M | 98M | 68M | 54M |
| Net Income | 8.2M | 8.2M | 15M | 9.4M | 15M | 11M |
| EPS | $1.59 | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 |
| Free Cash Flow | 24M | 24M | 18M | 5.8M | 13M | 16M |
| ROIC | 3.8% | 5.3% | 13.5% | 7.8% | 12.0% | 10.2% |
| Gross Margin | 65.9% | 65.9% | 69.5% | 74.2% | 89.3% | 94.1% |
| Debt/Equity | 0.16 | 0.16 | 0.25 | 0.28 | 0.29 | 10.82 |
| Dividends/Share | $1.18 | $1.24 | $1.21 | $1.20 | $1.15 | $1.10 |
| Operating Income | 812K | 812K | 19M | 656K | 1.9M | 881K |
| Operating Margin | 0.8% | 0.8% | 16.7% | 0.7% | 2.8% | 1.6% |
| ROE | 4.3% | 5.3% | 13.5% | 8.9% | 13.7% | 10.2% |
| Shares Outstanding | 5M | 5M | 4M | 4M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 31M | 33M | 32M | 35M | 39M | 43M | 47M | 54M | 68M | 98M | 113M | 106M | 106M |
| Gross Margin | 92.8% | 95.2% | 96.1% | 94.9% | 91.5% | 88.7% | 90.0% | 94.1% | 89.3% | 74.2% | 69.5% | 65.9% | 65.9% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 11M | 12M | 13M | 14M | 14M | 15M | 18M | 22M | 26M | 30M | 30M | 33M | 33M |
| EBIT | 9.2M | 9.3M | 8.9M | 11M | 10M | 12M | 13M | 881K | 1.9M | 656K | 19M | 812K | 812K |
| Op. Margin | 29.3% | 28.3% | 27.5% | 32.5% | 26.6% | 26.8% | 28.0% | 1.6% | 2.8% | 0.7% | 16.7% | 0.8% | 0.8% |
| Net Income | 7.1M | 6.9M | 6.4M | 7.8M | 9.0M | 9.8M | 11M | 11M | 15M | 9.4M | 15M | 8.2M | 8.2M |
| Net Margin | 22.7% | 20.9% | 19.6% | 22.2% | 23.2% | 22.6% | 23.5% | 20.4% | 21.3% | 9.6% | 13.6% | 7.8% | 7.8% |
| Non-Recurring | -14K | -76K | -10K | -12K | -3K | 137K | 5K | 0 | -11K | 14K | 3.9M | -19K | -19K |
| Returns on Capital | |||||||||||||
| ROIC | 10.2% | 9.1% | 8.1% | 9.5% | 10.5% | 10.6% | 11.1% | 10.2% | 12.0% | 7.8% | 13.5% | 5.3% | 3.8% |
| ROE | 10.2% | 9.1% | 8.1% | 9.5% | 10.5% | 10.6% | 11.1% | 10.2% | 13.7% | 8.9% | 13.5% | 5.3% | 4.3% |
| ROA | 1.2% | 1.1% | 0.9% | 1.1% | 1.2% | 1.2% | 1.1% | 0.9% | 1.0% | 0.5% | 0.8% | 0.4% | 0.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 7.3M | 7.2M | 9.7M | 9.4M | -1.5M | 11M | 11M | 16M | 14M | 6.9M | 19M | 26M | 26M |
| Free Cash Flow | 4.3M | 4.3M | 9.4M | 9.0M | -2.0M | 10M | 11M | 16M | 13M | 5.8M | 18M | 24M | 24M |
| Owner Earnings | 6.2M | 6.0M | 8.5M | 8.0M | -3.0M | 9.8M | 9.4M | 15M | 12M | 4.7M | 17M | 24M | 24M |
| CapEx | 3.0M | 2.9M | 257K | 368K | 432K | 1.3M | 456K | 520K | 838K | 1.1M | 1.0M | 1.4M | 1.4M |
| Maint. CapEx | 772K | 843K | 932K | 946K | 925K | 957K | 1.0M | 996K | 979K | 1.0M | 979K | 780K | 780K |
| Growth CapEx | 2.2M | 2.0M | 0 | 0 | 0 | 357K | 0 | 0 | 0 | 69K | 40K | 626K | 626K |
| D&A | 772K | 843K | 932K | 946K | 925K | 957K | 1.0M | 996K | 979K | 1.0M | 979K | 780K | 780K |
| CapEx/OCF | 40.9% | 40.1% | 2.6% | 3.9% | N/A | 11.6% | 4.1% | 3.2% | 6.1% | 15.6% | 5.4% | N/A | 5.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.9M | 2.1M | 2.4M | 2.7M | 2.8M | 3.0M | 3.2M | 3.3M | 3.8M | 4.2M | 4.3M | 6.1M | 6.1M |
| Dividend Yield | 3.7% | 3.6% | 4.0% | 3.5% | 3.1% | 3.6% | 4.2% | 3.4% | 3.5% | 4.1% | 4.1% | N/A | 2.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 290K | 328K | 314K | 382K | 518K | 562K | 604K | 850K | 1.0M | 1.2M | 912K | 1.2M | 1.2M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -186M | -246M | -284M | -307M | -187M |
| Cash & Equiv. | 35M | 23M | 35M | 36M | 18M | 34M | 80M | 64M | 67M | 138M | 193M | 217M | 217M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29M | 0 | N/A | N/A | 30M |
| Debt/Equity | 7.62 | 7.35 | 7.82 | 8.14 | 8.13 | 8.11 | 9.76 | 10.82 | 0.29 | 0.28 | 0.25 | 0.16 | 0.16 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 73M | 78M | 79M | 84M | 88M | 96M | 105M | 110M | 102M | 108M | 119M | 189M | 189M |
| Total Assets | 630M | 653M | 700M | 766M | 800M | 877M | 1.1B | 1.3B | 1.6B | 1.8B | 1.9B | 1.9B | 1.9B |
| Total Liabilities | 557M | 575M | 621M | 682M | 712M | 781M | 1.0B | 1.2B | 1.5B | 1.7B | 1.7B | 1.7B | 1.7B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 51M | 55M | 58M | 63M | 69M | 75M | 83M | 90M | 100M | 103M | 114M | 116M | 116M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 2.08 | 1.97 | 1.81 | 2.24 | 2.60 | 2.84 | 3.27 | 3.20 | 4.17 | 2.66 | 4.32 | 1.59 | 1.59 |
| Owner EPS | 1.81 | 1.71 | 2.40 | 2.31 | -0.86 | 2.86 | 2.74 | 4.24 | 3.39 | 1.32 | 4.75 | 4.60 | 4.60 |
| Book Value | 21.30 | 22.34 | 22.57 | 24.11 | 25.30 | 28.03 | 30.75 | 32.02 | 29.21 | 30.81 | 33.50 | 36.55 | 36.55 |
| Cash Flow/Share | 2.11 | 2.05 | 2.76 | 2.69 | -0.44 | 3.30 | 3.22 | 4.78 | 3.97 | 1.95 | 5.28 | 4.99 | 1.74 |
| Dividends/Share | 0.77 | 0.80 | 0.82 | 0.88 | 0.94 | 1.00 | 1.04 | 1.10 | 1.15 | 1.20 | 1.21 | 1.24 | 1.18 |
| Shares Out. | 3.4M | 3.5M | 3.5M | 3.5M | 3.5M | 3.4M | 3.4M | 3.4M | 3.5M | 3.5M | 3.6M | 5.2M | 5.2M |
| Valuation | |||||||||||||
| P/E Ratio | 7.6 | 8.2 | 10.2 | 10.7 | 9.0 | 8.7 | 7.4 | 9.2 | 7.5 | 10.3 | 8.1 | N/A | 25.5 |
| P/FCF | 12.6 | 13.1 | 6.9 | 9.2 | N/A | 8.4 | 7.9 | 6.4 | 8.4 | 16.6 | 7.0 | N/A | 8.6 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27.0 |
| Price/Book | 0.7 | 0.7 | 0.8 | 1.0 | 0.9 | 0.9 | 0.8 | 0.9 | 1.1 | 0.9 | 1.0 | N/A | 1.1 |
| Price/Sales | 1.8 | 1.8 | 1.9 | 2.2 | 2.5 | 2.1 | 1.7 | 1.8 | 1.7 | 1.6 | 1.5 | N/A | 2.0 |
| FCF Yield | 8.0% | 7.6% | 14.6% | 10.9% | -2.4% | 11.9% | 12.7% | 15.7% | 11.9% | 6.0% | 14.4% | N/A | 11.6% |
| Market Cap | 54M | 56M | 65M | 83M | 81M | 85M | 83M | 102M | 109M | 96M | 124M | 0 | 209M |
| Avg. Price | 15.39 | 16.19 | 16.68 | 21.67 | 25.76 | 24.34 | 22.25 | 27.86 | 31.34 | 29.39 | 29.77 | 0.00 | 40.48 |
| Year-End Price | 15.73 | 16.06 | 18.44 | 23.86 | 23.38 | 24.59 | 24.27 | 29.52 | 31.40 | 27.35 | 34.80 | 0.00 | 40.48 |
EAGLE FINANCIAL SERVICES INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
EAGLE FINANCIAL SERVICES INC trades at 16.2x trailing earnings, compared to its 15-year median P/E of 9.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 10.2x vs a median of 8.1x. The company's 5-year average ROIC is 9.8% with a gross margin of 78.6%. Total shareholder yield (dividends) is 2.9%. At current prices, the estimated annualized return to fair value is +12.5%.
EAGLE FINANCIAL SERVICES INC (EFSI) has a net profit margin of 7.8%. This is a modest margin.
EAGLE FINANCIAL SERVICES INC (EFSI) generated $24 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EAGLE FINANCIAL SERVICES INC (EFSI) has a debt-to-equity ratio of 0.16. This indicates a conservatively financed balance sheet.
EAGLE FINANCIAL SERVICES INC (EFSI) reported earnings per share (EPS) of $1.59 in its most recent fiscal year.
EAGLE FINANCIAL SERVICES INC (EFSI) has a return on equity (ROE) of 5.3%. This indicates moderate shareholder returns.
EAGLE FINANCIAL SERVICES INC (EFSI) has a 5-year average gross margin of 78.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for EAGLE FINANCIAL SERVICES INC (EFSI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EAGLE FINANCIAL SERVICES INC (EFSI) has a book value per share of $36.55, based on its most recent annual SEC filing.