Eagle Financial Services, Inc. EFSI

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Price alert · EFSI

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45.61 USD -0.45 -0.98%

At close · Oct 30

45.61 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
45.61 × 2
Ask
45.72 × 2
45.35 Day range 47.04
32.01 52-week range 46.93
YTD
+14.60%
1 year
+24.65%
Open
47.04
Prev close
46.06
Mkt cap
246.82M
Vol
31.61K
Avg vol
44.29K
EPS
3.32
P/E
13.74
Div yield
0.00%
More statistics
Low
45.35
High
47.04

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Financial health

Altman Z-Score

-0.58 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 25.0×
FY 2016: 14.2×FY 2017: 14.3×FY 2018: 11.9×FY 2019: 10.9×FY 2020: 9.0×FY 2021: 10.8×FY 2022: 8.6×FY 2023: 11.3×FY 2024: 8.4×FY 2025: 25.0×
FY 2016 5y median 10.8× FY 2025
P/S 2.0×
FY 2016: 2.9×FY 2017: 3.2×FY 2018: 2.9×FY 2019: 2.6×FY 2020: 2.2×FY 2021: 2.3×FY 2022: 1.9×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 2.0×
FY 2016 5y median 1.9× FY 2025
P/B 1.1×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 8.1×
FY 2016: 9.6×FY 2017: 12.3×FY 2018: -54.9×FY 2019: 10.6×FY 2020: 9.6×FY 2021: 7.5×FY 2022: 9.6×FY 2023: 18.2×FY 2024: 7.3×FY 2025: 8.1×
FY 2016 5y median 8.1× FY 2025
EV/EBITDA 25.2×
FY 2016: 5.5×FY 2017: 6.3×FY 2018: 8.1×FY 2019: 6.0×FY 2020: 1.8×FY 2021: 4.0×FY 2022: 15.9×FY 2023: 16.2×FY 2024: 5.2×FY 2025: 25.2×
FY 2016 5y median 15.9× FY 2025
EV/Sales 2.6×
FY 2016: 1.8×FY 2017: 2.3×FY 2018: 2.5×FY 2019: 1.9×FY 2020: 0.5×FY 2021: 1.1×FY 2022: 4.4×FY 2023: 2.0×FY 2024: 1.0×FY 2025: 2.6×
FY 2016 5y median 2.0× FY 2025
FCF Yield 12.4%
FY 2016: 10.4%FY 2017: 8.1%FY 2018: -1.8%FY 2019: 9.4%FY 2020: 10.5%FY 2021: 13.4%FY 2022: 10.4%FY 2023: 5.5%FY 2024: 13.7%FY 2025: 12.4%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 61.6%
FY 2016: 97.2%FY 2017: 98.5%FY 2018: 91.1%FY 2019: 88.3%FY 2020: 89.8%FY 2021: 94.0%FY 2022: 89.1%FY 2023: 64.0%FY 2024: 59.7%FY 2025: 61.6%
FY 2016 5y median 64.0% FY 2025
Operating Margin 9.5%
FY 2016: 28.4%FY 2017: 33.2%FY 2018: 27.9%FY 2019: 27.9%FY 2020: 28.5%FY 2021: 24.3%FY 2022: 26.5%FY 2023: 11.1%FY 2024: 17.8%FY 2025: 9.5%
FY 2016 5y median 17.8% FY 2025
Net Margin 7.9%
FY 2016: 20.2%FY 2017: 22.7%FY 2018: 24.3%FY 2019: 23.5%FY 2020: 24.0%FY 2021: 20.9%FY 2022: 21.8%FY 2023: 9.8%FY 2024: 14.5%FY 2025: 7.9%
FY 2016 5y median 14.5% FY 2025
ROE 4.3%
FY 2016: 8.0%FY 2017: 9.3%FY 2018: 10.3%FY 2019: 10.1%FY 2020: 10.6%FY 2021: 10.0%FY 2022: 14.3%FY 2023: 8.6%FY 2024: 12.9%FY 2025: 4.3%
FY 2016 5y median 10.0% FY 2025
ROIC 2.9%
FY 2016: 6.6%FY 2017: 7.9%FY 2018: 9.3%FY 2019: 9.1%FY 2020: 9.5%FY 2021: 8.8%FY 2022: 4.1%FY 2023: 2.9%FY 2024: 5.3%FY 2025: 2.9%
FY 2016 5y median 4.1% FY 2025
ROA 0.4%
FY 2016: 0.9%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.5%FY 2024: 0.8%FY 2025: 0.4%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -1.3%
FY 2016: 5.8%FY 2017: 9.1%FY 2018: 7.9%FY 2019: 12.1%FY 2020: 12.3%FY 2021: 13.0%FY 2022: 26.7%FY 2023: 43.7%FY 2024: 10.4%FY 2025: -1.3%
FY 2016 FY 2025
Operating Income -47.5%
FY 2016: -4.4%FY 2017: 27.9%FY 2018: -9.6%FY 2019: 12.2%FY 2020: 15.0%FY 2021: -3.9%FY 2022: 38.2%FY 2023: -39.8%FY 2024: 77.8%FY 2025: -47.5%
FY 2016 FY 2025
EPS (diluted) -63.2%
FY 2016: -8.1%FY 2017: 23.8%FY 2018: 16.1%FY 2019: 9.2%FY 2020: 15.1%FY 2021: -2.1%FY 2022: 30.3%FY 2023: -36.2%FY 2024: 62.4%FY 2025: -63.2%
FY 2016 FY 2025
Free Cash Flow 49.1%
FY 2016: 120.2%FY 2017: -4.7%FY 2018: -121.7%FY 2019: 613.2%FY 2020: 5.1%FY 2021: 51.1%FY 2022: -18.6%FY 2023: -55.3%FY 2024: 205.7%FY 2025: 49.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 2.3×FY 2023: 1.8×FY 2024: 1.3×FY 2025: 0.4×
FY 2016 5y median 1.3× FY 2025
Net Debt / EBITDA 5.2×
FY 2016: -3.5×FY 2017: -2.6×FY 2018: -1.5×FY 2019: -2.3×FY 2020: -5.3×FY 2021: -4.6×FY 2022: 9.2×FY 2023: 7.1×FY 2024: -1.3×FY 2025: 5.2×
FY 2016 5y median 5.2× FY 2025
Interest Coverage 0.3×
FY 2016: 8.4×FY 2017: 9.9×FY 2018: 4.1×FY 2019: 2.7×FY 2020: 4.1×FY 2021: 7.6×FY 2022: 3.2×FY 2023: 0.3×FY 2024: 0.5×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 2.6%FY 2017: 2.4%FY 2018: 2.6%FY 2019: 2.8%FY 2020: 3.2%FY 2021: 2.7%FY 2022: 3.0%FY 2023: 4.0%FY 2024: 3.3%FY 2025: 2.9%
FY 2016 5y median 3.0% FY 2025
Payout Ratio 74.4%
FY 2016: 37.0%FY 2017: 34.1%FY 2018: 30.8%FY 2019: 30.7%FY 2020: 28.6%FY 2021: 29.6%FY 2022: 26.2%FY 2023: 45.2%FY 2024: 28.0%FY 2025: 74.4%
FY 2016 5y median 29.6% FY 2025

Annual · latest fiscal year ends 2025-12-31