Eagle Financial Services, Inc. (EFSI)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 43 | 51 | 61 | 63 | 66 | 68 | 85 | - |
| Operating profit | $m | 10 | 19 | ||||||
| Net profit | $m | 11 | 11 | 15 | 9 | 15 | 8 | 19 | 14 |
| EPS reported | $ | 1.59 | 3.46 | ||||||
| Operating cashflow per share | $ | 5.19 | 2.08 | ||||||
| Capex per share | $ | 0.26 | 0.11 | ||||||
| FCF per share | $ | 4.93 | 1.97 | ||||||
| Free cash flow | $m | 26 | 11 | ||||||
| Net debt | $m | -68 | -103 | ||||||
| Book value equity | $m | 189 | 194 | ||||||
| Book value per share | $ | 35.17 | 35.77 | ||||||
| Number of shares | m | 5.37 | 5.42 | ||||||
| DPS (TTM paid) | $ | 1.24 | 1.24 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 25.03 | 13.27 | ||||||
| P/B LTM | x | 1.13 | 1.10 | ||||||
| P/S LTM | x | 3.14 | 2.51 | ||||||
| P/FCF LTM | x | 8.08 | 20.05 | ||||||
| EV/EBITDA LTM | x | 25.16 | 13.80 | ||||||
| EV/Sales LTM | x | 2.58 | 2.11 | ||||||
| Earnings Yield LTM | % | +4.00% | +7.54% | ||||||
| FCF Yield | % | +12.38% | +4.99% | ||||||
| Quality | |||||||||
| ROE | % | +4.35% | +9.83% | ||||||
| ROIC | % | +2.92% | -1.01% | ||||||
| Operating margin | % | +9.49% | +15.88% | ||||||
| Gross margin | % | +61.65% | +67.91% | ||||||
| FCF/Sales | % | +25.30% | +9.06% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -63.19% | -19.91% | ||||||
| Sales Growth YoY | % | +3.52% | +29.39% | ||||||
| Net Income Growth YoY | % | -46.46% | +21.48% | ||||||
| FCF Growth | % | +49.10% | -39.92% | ||||||
| Operating Profit Growth | % | -47.49% | -1.21% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.86% | +2.84% | ||||||
| Dividend Growth | % | +2.48% | +2.48% | ||||||
| Payout Ratio | % | +71.58% | +35.83% | ||||||
| FCF/Debt | x | 0.38 | 0.36 | ||||||
| Net Debt/EBITDA | x | 5.20 | 0.58 | ||||||
| EBIT/Net interest | x | 0.27 | 0.58 | ||||||
| Net debt/market cap | % | +32.56% | +12.54% | ||||||
| Net debt/Equity | x | -0.36 | -0.53 | ||||||
| Gross debt/equity | x | 0.37 | 0.15 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Eagle Financial Services, Inc. (EFSI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
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