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Eagle Financial Services Inc (EFSI) stock analysis

EFSINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 10/3014% above fair value
$46.00+0.11 (+0.24%)

Close on Nov 11, 2026Market cap $248.93MP/E 13.9Yield 2.70%

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth3Performance0Health1Dividend4

Mixed10 of 30 checks passed

Eagle Financial Services passes 10 of the 30 checks behind our score; 6 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
3/6
Past performance
0/6
Financial health
1/6
Dividend
4/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 2751% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 76.9% over the last twelve months, against a 5-year average of -6.0% a year.

  • Covered by free cash flow

    Dividends take 26.1% of free cash flow.

  • Covered by earnings

    Dividends take 37.6% of net income.

What to watch

  • Margin of safety under 20%

    The price is 13.9% above fair value, so there is no margin of safety.

  • Trading above fair value

    The share price of $46.00 is above our fair value estimate of $40.39.

  • Return on equity under 15%

    Return on equity was 9.3% over the last twelve months and averaged 10.3% over five years; we look for 15% on both.

  • Earnings shrank over 5 years

    Net income shrank 6.0% a year on average over the last five fiscal years.

Valuation2/6

  • P/E above its 5-year median

    Eagle Financial Services's P/E of 13.9 is above its own 5-year median of 10.9.

  • P/E above the industry

    Eagle Financial Services's P/E of 13.9 is above the Commercial Banks median of 12.1.

  • P/S below the industry

    Eagle Financial Services's price-to-sales of 2.73 is below the Commercial Banks median of 3.60.

  • P/B below the industry

    Eagle Financial Services's price-to-book of 1.27 is below the Commercial Banks median of 1.29.

  • Trading above fair value

    The share price of $46.00 is above our fair value estimate of $40.39.

  • Margin of safety under 20%

    The price is 13.9% above fair value, so there is no margin of safety.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 2751% a year over the last three fiscal years.

  • EPS growing under 10% a year

    Diluted EPS grew -27.5% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 76.9% over the last twelve months, against a 5-year average of -6.0% a year.

  • Growing faster than the industry

    Revenue grew 30.5% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was 9.3% over the last twelve months and averaged 10.3% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.9%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Eagle Financial Services's return on equity of 9.3% is below the Commercial Banks median of 11.5%.

  • Earnings shrank over 5 years

    Net income shrank 6.0% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 19.6% over the last twelve months, against a 5-year average of 122184%.

  • Net margin below the industry

    Eagle Financial Services's net margin of 19.6% is below the Commercial Banks median of 30.3%.

Financial health1/6

  • Well capitalized

    Equity is 10.4% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 67.4% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Needs deposits a year ago.

  • Borrowings

    Needs debt and equity figures.

Dividend4/6

  • Pays a dividend

    Eagle Financial Services paid dividends worth 2.7% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.7% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Eagle Financial Services yields 2.7%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 37.6% of net income.

  • Covered by free cash flow

    Dividends take 26.1% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$40.39

The share price is 14% above this estimate.

20%+ below
Near fair value
20%+ above
$46.00Price$40.39Fair value
MethodMultiple usedOwn 5Y medianIndustry medianValue per shareWeight
P/E11.5×10.9×12.1×$37.9150%
P/B1.2×1.1×1.3×$42.8850%
Fair value$40.39100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.9
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$1.86M
Value traded per 1% price move
$2.33M

Downside

Medium risk

Typical loss in a bad month
15.3%
Volatility (annualized)
25%
Sharpe ratio, 1 year
0.94
Beta to the S&P 500 (5Y)
0.11

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

11.8%−13.5 pts over 5 years

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