Eagle Financial Services Inc
Exchange: OTCQXSector: Financial ServicesIndustry: Banks - Regional
Eagle Financial Services, Inc. (Nasdaq CM: EFSI) (the "Company") 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, which is chartered under Virginia law. The Bank of Clarke offers a broad range of commercial banking, retail banking and trust and investment services through its thirteen full-service branches, two loan production offices, one wealth management office and one drive-through only facility located throughout Clarke and Frederick Counties, as well as the City of Winchester, towns of Purcellville and Leesburg and Ashburn, Virginia.
Current Price
$37.10
-0.70%GoodMoat Value
$80.37
116.6% undervaluedProfile
Valuation (TTM)
Market Cap$200.80M
P/E10.61
EV—
P/B1.06
Shares Out5.41M
P/Sales2.48
Revenue$81.12M
EV/EBITDA1.64
Eagle Financial Services Inc (EFSI) Stock Analysis
Market Cap$200.80M
Current Price$37.10
P/E Ratio10.61
Forward P/E—
PEG Ratio-0.07
EPS$1.59
Book Value$34.89
P/B Ratio1.06
EFSI Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use 15.4% FCF growth (CAGR)
Cash vs Debt
Net Cash: 148M
Revenue
38M
FY19
43M
FY20
51M
FY21
61M
FY22
63M
FY23
70M
FY24
66M
FY25
Net Income
10M
FY19
11M
FY20
11M
FY21
15M
FY22
9M
FY23
15M
FY24
8M
FY25
EFSI 52-Week Range
$28.01
$40.29
50-Day MA: $35.77200-Day MA: $36.41
Did you know?
Trading 117% below its estimated fair value of $80.37.
Eagle Financial Services Inc (EFSI) Financial Summary
Eagle Financial Services Inc (EFSI) is a Financial Services company in the Banks - Regional industry, listed on OTCQX. The stock currently trades at $37.10 with a market capitalization of $200.80M.
Key valuation metrics include a P/E ratio of 10.61, price-to-book ratio of 1.06, and EPS of $1.59. The company reports a profit margin of 23.3% and return on equity of 10.0%.
EFSI Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $200.80M |
| P/E Ratio | 10.61 |
| EPS | $1.59 |
| P/B Ratio | 1.06 |
| P/S Ratio | 2.48 |
| EV/EBITDA | 1.64 |
| Dividend Yield | 3.04% |
| Profit Margin | 23.3% |
| Return on Equity | 10.0% |
| Debt/Equity | 0.37 |
EFSI Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $38.34M | $9.76M |
| FY20 | $42.75M | $11.17M |
| FY21 | $50.84M | $11.02M |
| FY22 | $60.73M | $14.52M |
| FY23 | $63.39M | $9.36M |
| FY24 | $70.23M | $15.34M |
| FY25 | $65.80M | $8.21M |
Eagle Financial Services Inc (EFSI) Valuation
Based on GoodMoat's DCF model, Eagle Financial Services Inc has a fair value estimate of $80.37. At the current price of $37.10, the stock appears 53.8% undervalued relative to our intrinsic value estimate.
EFSI Quality Indicators
Eagle Financial Services Inc maintains a profit margin of 23.3% and an operating margin of 15.1%. Return on equity stands at 10.0%. Debt-to-equity ratio is 0.37.
About Eagle Financial Services Inc
Eagle Financial Services, Inc. (Nasdaq CM: EFSI) (the "Company") 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, which is chartered under Virginia law. The Bank of Clarke offers a broad range of commercial banking, retail banking and trust and investment services through its thirteen full-service branches, two loan production offices, one wealth management office and one drive-through only facility located throughout Clarke and Frederick Counties, as well as the City of Winchester, towns of Purcellville and Leesburg and Ashburn, Virginia.
EFSI Free Cash Flow
Eagle Financial Services Inc generated $24.39M in trailing twelve-month free cash flow, representing an FCF yield of 12.15%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
EFSI Shares Outstanding
Eagle Financial Services Inc has 0.01 billion shares outstanding at a share price of $37.10, giving it a market capitalization of $200.80M.