Eagle Financial Services, Inc. (EFSI) Financial Ratios
24 years of historical data (2002–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
29.13
↑+113% vs avg
5yr avg: 13.68
30Y Low1.8·High27.1
P/FCF
↑
8.82
↓-13% vs avg
5yr avg: 10.14
30Y Low5.1·High43.6
P/B Ratio
↑
1.23
+11% vs avg
5yr avg: 1.10
30Y Low1.0·High4.8
ROE
↓
5.3%
↑-48% vs avg
5yr avg: 10.3%
30Y Low5%·High17%
Debt/EBITDA
↓
7.01
↓-36% vs avg
5yr avg: 10.99
30Y Low0.2·High16.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EFSI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Eagle Financial Services, Inc. trades at 27.1x earnings, 111% above its 5-year average of 12.8x, sitting at the 88th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 95%. On a free-cash-flow basis, the stock trades at 8.8x P/FCF, 13% below the 5-year average of 10.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $233M | $214M | $129M | $106M | $125M | $119M | $101M | $107M | $107M | $111M | $91M |
| Enterprise Value | $289M | $269M | $103M | $188M | $296M | $55M | $25M | $77M | $91M | $79M | $55M |
| P/E Ratio → | 27.13 | 25.03 | 8.43 | 11.28 | 8.62 | 10.83 | 9.02 | 10.93 | 11.92 | 14.29 | 14.23 |
| P/S Ratio | 2.23 | 2.04 | 1.22 | 1.10 | 1.88 | 2.26 | 2.16 | 2.57 | 2.90 | 3.24 | 2.88 |
| P/B Ratio | 1.23 | 1.13 | 1.09 | 0.98 | 1.23 | 1.08 | 0.96 | 1.11 | 1.22 | 1.33 | 1.14 |
| P/FCF | 8.82 | 8.08 | 7.29 | 18.21 | 9.65 | 7.48 | 9.56 | 10.64 | — | 12.36 | 9.60 |
| P/OCF | 8.38 | 7.67 | 6.90 | 15.38 | 9.06 | 7.24 | 9.16 | 9.41 | — | 11.87 | 9.34 |
P/E links to full P/E history page with 30-year chart
EFSI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Eagle Financial Services, Inc.'s enterprise value stands at 29.1x EBITDA, 113% above its 5-year average of 13.7x. The Financial Services sector median is 11.5x, placing the stock at a 153% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.58 | 0.97 | 1.96 | 4.44 | 1.05 | 0.54 | 1.86 | 2.45 | 2.29 | 1.76 |
| EV / EBITDA | 29.13 | 27.14 | 5.19 | 16.17 | 15.87 | 4.02 | 1.76 | 5.98 | 8.08 | 6.36 | 5.52 |
| EV / EBIT | 29.13 | 27.14 | 5.46 | 17.69 | 16.75 | 4.33 | 1.90 | 6.66 | 8.80 | 6.88 | 6.21 |
| EV / FCF | — | 10.18 | 5.81 | 32.41 | 22.81 | 3.47 | 2.39 | 7.68 | — | 8.73 | 5.88 |
EFSI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Eagle Financial Services, Inc. earns an operating margin of 9.5%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 11.1% to 9.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 5.3% is modest, trailing the sector median of 9.0%. ROIC of 2.8% represents below-average returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.6% | 61.6% | 59.7% | 64.0% | 89.1% | 94.0% | 89.8% | 88.3% | 91.1% | 98.5% | 97.2% |
| Operating Margin | 9.5% | 9.5% | 17.8% | 11.1% | 26.5% | 24.3% | 28.5% | 27.9% | 27.9% | 33.2% | 28.4% |
| Net Profit Margin | 7.9% | 7.9% | 14.5% | 9.8% | 21.8% | 20.9% | 24.0% | 23.5% | 24.3% | 22.7% | 20.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.3% | 5.3% | 13.5% | 8.9% | 13.7% | 10.2% | 11.1% | 10.6% | 10.5% | 9.5% | 8.1% |
| ROA | 0.4% | 0.4% | 0.8% | 0.5% | 1.0% | 0.9% | 1.1% | 1.2% | 1.1% | 1.1% | 0.9% |
| ROIC | 2.8% | 2.8% | 5.0% | 2.5% | 5.9% | 8.7% | 9.5% | 9.2% | 8.9% | 10.5% | 7.5% |
| ROCE | 3.6% | 3.6% | 6.7% | 3.4% | 7.9% | 10.5% | 11.9% | 11.5% | 10.5% | 11.5% | 9.0% |
EFSI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Eagle Financial Services, Inc. carries a Debt/EBITDA ratio of 7.0x, which is highly leveraged (64% above the sector average of 4.3x). Net debt stands at $56M ($70M total debt minus $14M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.37 | 1.26 | 1.79 | 2.33 | — | 0.04 | 0.04 | 0.02 | — | — |
| Debt / EBITDA | 7.01 | 7.01 | 7.52 | 16.71 | 12.73 | — | 0.29 | 0.29 | 0.17 | — | — |
| Net Debt / Equity | — | 0.29 | -0.22 | 0.76 | 1.68 | -0.58 | -0.72 | -0.31 | -0.19 | -0.39 | -0.44 |
| Net Debt / EBITDA | 5.61 | 5.61 | -1.32 | 7.08 | 9.16 | -4.63 | -5.27 | -2.31 | -1.47 | -2.64 | -3.50 |
| Debt / FCF | — | 2.10 | -1.48 | 14.19 | 13.16 | -4.01 | -7.16 | -2.96 | — | -3.63 | -3.72 |
| Interest Coverage | 0.27 | 0.27 | 0.47 | 0.32 | 3.23 | 7.62 | 4.06 | 2.73 | 4.10 | 9.89 | 8.37 |
EFSI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.09x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.16x to 0.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.11 | 0.16 | 0.17 | 0.22 | 0.24 | 0.26 | 0.23 | 0.25 | 0.26 |
| Quick Ratio | 0.09 | 0.09 | 0.11 | 0.16 | 0.17 | 0.22 | 0.24 | 0.26 | 0.23 | 0.25 | 0.26 |
| Cash Ratio | 0.01 | 0.01 | 0.11 | 0.07 | 0.05 | 0.05 | 0.08 | 0.04 | 0.03 | 0.05 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EFSI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Eagle Financial Services, Inc. returns 2.8% to shareholders annually — split between a 2.6% dividend yield and 0.1% buyback yield. The payout ratio of 74.4% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 3.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.6% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 74.4% | 74.4% | 28.0% | 45.2% | 26.2% | 29.6% | 28.6% | 30.7% | 30.8% | 34.1% | 37.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.7% | 4.0% | 11.9% | 8.9% | 11.6% | 9.2% | 11.1% | 9.1% | 8.4% | 7.0% | 7.0% |
| FCF Yield | 11.3% | 12.4% | 13.7% | 5.5% | 10.4% | 13.4% | 10.5% | 9.4% | — | 8.1% | 10.4% |
| Buyback Yield | 0.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | $3M | $4M |
Peer Comparison
Compare EFSI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EFSIYou | $233M | 27.1 | 29.1 | 8.8 | 61.6% | 9.5% | 5.3% | 2.8% | 7.0 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FUNC | $272M | 11.1 | 7.8 | 17.7 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 MNSB | $184M | 14.2 | 11.9 | 17.3 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 BSVN | $446M | 10.3 | 3.5 | 10.8 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 NKSH | $231M | 14.6 | 11.7 | 15.3 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JKHY | $9B | 20.5 | 11.9 | 15.8 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 FISI | $746M | 10.5 | 10.6 | 54.8 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Run the NumbersIs EFSI Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowEFSI — Frequently Asked Questions
Quick answers to the most common questions about buying EFSI stock.
What is Eagle Financial Services, Inc.'s P/E ratio?
Eagle Financial Services, Inc.'s current P/E ratio is 27.1x. The historical average is 15.3x. This places it at the 88th percentile of its historical range.
What is Eagle Financial Services, Inc.'s EV/EBITDA?
Eagle Financial Services, Inc.'s current EV/EBITDA is 29.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.4x.
What is Eagle Financial Services, Inc.'s ROE?
Eagle Financial Services, Inc.'s return on equity (ROE) is 5.3%. The historical average is 10.9%.
Is EFSI stock overvalued?
Based on historical data, Eagle Financial Services, Inc. is trading at a P/E of 27.1x. This is at the 88th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Eagle Financial Services, Inc.'s dividend yield?
Eagle Financial Services, Inc.'s current dividend yield is 2.64% with a payout ratio of 74.4%.
What are Eagle Financial Services, Inc.'s profit margins?
Eagle Financial Services, Inc. has 61.6% gross margin and 9.5% operating margin.
How much debt does Eagle Financial Services, Inc. have?
Eagle Financial Services, Inc.'s Debt/EBITDA ratio is 7.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.