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EAGLE FINANCIAL SERVICES INC (EFSI) Stock Fundamental Analysis

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

32.3  -0.09 (-0.28%)

Fundamental Rating

2

Taking everything into account, EFSI scores 2 out of 10 in our fundamental rating. EFSI was compared to 402 industry peers in the Banks industry. EFSI may be in some trouble as it scores bad on both profitability and health. EFSI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

EFSI had positive earnings in the past year.
EFSI had a positive operating cash flow in the past year.
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

EFSI has a Return On Assets of 0.61%. This is in the lower half of the industry: EFSI underperforms 63.93% of its industry peers.
EFSI has a better Return On Equity (9.80%) than 66.67% 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 67.66% 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
Compared to 5 years ago, EFSI has more shares outstanding
Compared to 1 year ago, EFSI has an improved debt to assets ratio.
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

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.
Looking at the Debt to FCF ratio, with a value of 5.18, EFSI is doing worse than 65.92% of the companies in the same industry.
EFSI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
EFSI has a Debt to Equity ratio of 0.25. This is comparable to the rest of the industry: EFSI outperforms 41.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 5.18
Altman-Z N/A
ROIC/WACCN/A
WACC12.47%
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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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.
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%.
Measured over the past years, EFSI shows a quite strong growth in Revenue. The Revenue has been growing by 13.30% on average per year.
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

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EFSI Yearly Revenue VS EstimatesEFSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
EFSI Yearly EPS VS EstimatesEFSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.48, the valuation of EFSI can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of EFSI indicates a rather cheap valuation: EFSI is cheaper than 93.53% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. EFSI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.48
Fwd PE N/A
EFSI Price Earnings VS Forward Price EarningsEFSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

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 68.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.82
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 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

EFSI has a Yearly Dividend Yield of 3.78%.
Compared to an average industry Dividend Yield of 3.37, EFSI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, EFSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.78%

5.2 History

On average, the dividend of EFSI grows each year by 8.09%, which is quite nice.
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

36.82% of the earnings are spent on dividend by EFSI. This is a low number and sustainable payout ratio.
EFSI's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP36.82%
EPS Next 2YN/A
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 (3/7/2025, 8:21:22 PM)

32.3

-0.09 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29
Earnings (Next)04-24 2025-04-24
Inst Owners4.38%
Inst Owner ChangeN/A
Ins Owners4.32%
Ins Owner Change1.97%
Market Cap113.88M
AnalystsN/A
Price TargetN/A
Short Float %0.03%
Short Ratio0.05
Dividend
Industry RankSector Rank
Dividend Yield 3.78%
Yearly Dividend1.21
Dividend Growth(5Y)8.09%
DP36.82%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date02-03 2025-02-03 (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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
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 7.48
Fwd PE N/A
P/S 1.71
P/FCF 19.82
P/OCF 17.7
P/B 0.97
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)4.32
EY13.37%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.63
FCFY5.04%
OCF(TTM)1.83
OCFY5.65%
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
WACC12.47%
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 YN/A
EPS Next 2YN/A
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 YearN/A
Revenue Next 2YN/A
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