Eagle Financial Services Inc.
EFSI | NASDAQ
$46.20
+$0.52 (+1.14%)
Sep 22, 2026, 11:08 AM ET · Market open
Market Data
Market Cap $247.24M
Enterprise Value $144.23M
Beta 0.21
Average Volume 51.95K
Shares Outstanding (Diluted) 5.42M
Shares Change YoY 0.78%
Institutional Ownership 44.85%
Exchange NASDAQ
ISIN US26951R1041
Price Performance
Price Change 1M 7.1%
Price Change 3M 6.7%
Price Change 6M 33.5%
Price Change YTD 15.8%
Price Change 1Y 16.2%
Price Change 3Y 43.2%
Price Change 5Y 33.6%
1M CAGR (ann.) 9.5%
1Y CAGR (ann.) 19.2%
5Y CAGR (ann.) 9.9%
All-Time CAGR 5.5%
Valuation
PE Ratio 13.20
Forward PE 12.44
PEG Ratio 0.22
Forward PEG 0.70
PS Ratio 2.88
Forward PS 2.70
PB Ratio 1.28
P/FCF Ratio 9.78
P/Adj. FCF Ratio 10.19
P/OCF Ratio 21.96
EV/Sales 1.68
EV/EBIT 11.61
EV/EBITDA 10.87
EV/FCF 5.71
Earnings Yield 7.6%
FCF Yield 10.2%
Adj. FCF Yield 9.8%
Financial Health
Net Cash $103.01M
Total Debt $29.61M
Cash & Short-Term Investments $132.62M
Total Assets $1.85B
Current Ratio 0.08
Quick Ratio 0.08
Debt / Equity Ratio 0.15
Debt / EBITDA 2.23
Debt / FCF 1.17
OCF / Debt 0.89
Interest Coverage 0.58
Altman Z-Score -0.70
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 67.9%
Operating Profit Margin 14.5%
EBITDA Margin 16.6%
Net Profit Margin 15.8%
FCF Margin 29.5%
Adj. FCF Margin 28.3%
SBC / Revenue 0.6%
SBC Impact (per share) -4.0%
Returns
Return on Assets 1.0%
Return on Equity 9.8%
Return on Invested Capital -1.0%
Return on Capital Employed 7.6%
Return on Tangible Assets 1.0%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.9%
Revenue CAGR 5Y 11.9%
Revenue CAGR 10Y 10.8%
EPS CAGR 3Y 0.5%
EPS CAGR 5Y 0.1%
EPS CAGR 10Y 4.6%
FCF CAGR 3Y 22.3%
FCF CAGR 5Y 15.4%
FCF CAGR 10Y 12.7%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 3
EPS Growth Next 3Y 4.6%
Revenue Growth Next 3Y 18.0%
Earnings Date Oct 21, 2026
EPS Estimate (next Q) $0.83
EPS Growth Est (next Q) -20.2%
Revenue Est (next Q) $22.09M
Revenue Growth Est (next Q) 0.5%
Fair Value Estimates
Graham Number $52.77
Graham Upside 15.5%
Lynch Fair Value $17.30
Lynch Upside -62.1%
Price Target $46
Price Target Upside 0.7%
Cash Flow
Operating Cash Flow $26.36M
Free Cash Flow $25.28M
Adj. Free Cash Flow $24.27M
FCF Per Share $1.97
OCF Per Share $2.08
OCF/S Ratio 9.6%
Income Statement
Revenue $85.77M
Gross Profit $58.94M
Operating Income $12.42M
EBITDA $13.27M
Net Income $18.64M
EPS (Diluted) $3.46
Revenue / Employee $331.17K
Profit / Employee $71.97K
Employees 259
Dividends
Annual Dividend $1.24
Dividend Yield 2.71%
Payout Ratio 35.8%
FCF Payout Ratio 26.4%
Adj. FCF Payout Ratio 27.5%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Aug 2, 2026
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