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Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 29.10 | 11.27 | 12.67 | 12.28 | 9.09 | 7.81 | — | 5.23 | 8.44 | 9.16 | 10.36 | 11.03 | 12.08 | 12.92 | 11.63 | 9.77 | 7.89 | 7.70 | 9.43 | 13.12 | 10.30 |
| — | +44.2% | — | +134.9% | +7.8% | -14.8% | — | -52.6% | -30.2% | -29.1% | -10.9% | +12.9% | +53.2% | +67.7% | +23.4% | -25.6% | -23.4% | -21.4% | -1.0% | +31.7% | +61.9% | |
| P/S Ratio | 3.67 | 2.20 | 2.98 | 2.46 | 2.31 | 2.04 | 8.75 | 1.87 | 1.66 | 1.82 | 1.72 | 1.70 | 1.70 | 1.74 | 1.89 | 1.96 | 2.05 | 1.99 | 2.18 | 2.12 | 2.27 |
| — | +7.6% | -65.9% | +31.5% | +38.9% | +12.1% | +407.6% | +9.9% | -2.2% | +4.5% | -8.8% | -13.1% | -17.2% | -12.5% | -13.4% | -7.7% | -9.7% | -16.8% | -6.8% | -4.0% | +20.8% | |
| P/B Ratio | 1.32 | 1.16 | 1.00 | 1.13 | 1.09 | 0.92 | 0.85 | 1.09 | 0.98 | 1.06 | 0.99 | 0.97 | 1.11 | 1.03 | 1.15 | 1.23 | 1.31 | 1.24 | 1.21 | 1.08 | 1.07 |
| — | +26.4% | +17.3% | +4.1% | +12.1% | -13.2% | -13.8% | +11.6% | -12.2% | +2.1% | -13.9% | -21.0% | -14.9% | -16.5% | -5.0% | +13.7% | +21.7% | +13.9% | +15.5% | +13.3% | +29.7% | |
| P/FCF | 9.47 | — | 11.60 | 4.83 | 6.48 | 17.87 | 7.12 | 5.35 | 3.95 | — | 3.99 | — | 1.94 | — | 144.47 | 3.55 | 15.81 | 11.27 | — | 6.64 | 7.19 |
| — | — | +62.9% | -9.7% | +64.2% | — | +78.7% | — | +103.2% | — | -97.2% | — | -87.7% | — | — | -46.6% | +119.8% | -39.6% | — | -9.6% | +20.6% | |
| EV / EBITDA | 28.59 | 9.04 | 289.72 | 11.80 | 2.40 | -1.62 | — | 3.09 | 8.13 | 14.36 | 16.92 | 18.41 | 18.46 | 23.99 | 18.70 | 18.01 | 9.64 | 7.31 | 3.93 | 5.54 | 3.36 |
| — | +659.5% | — | +282.1% | -70.5% | -111.3% | — | -83.2% | -55.9% | -40.1% | -9.5% | +2.2% | +91.5% | +228.3% | +376.2% | +225.3% | +187.0% | +780.7% | +155.5% | +212.3% | +164.2% | |
| EV / EBIT | 30.84 | 9.04 | — | 12.22 | 2.46 | -1.66 | — | 3.18 | 8.63 | 15.31 | 18.30 | 20.47 | 20.15 | 26.43 | 20.17 | 19.15 | 10.11 | 7.67 | 4.18 | 6.14 | 3.60 |
| — | +643.6% | — | +284.6% | -71.5% | -110.9% | — | -84.5% | -57.2% | -42.1% | -9.3% | +6.9% | +99.3% | +244.5% | +383.0% | +212.1% | +180.8% | +764.9% | +153.1% | +180.2% | +166.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.6% | 66.9% | 66.7% | 69.9% | 67.9% | 66.6% | 21.1% | 61.0% | 56.8% | 62.0% | 59.9% | 60.0% | 63.2% | 64.3% | 69.7% | 79.7% | 91.4% | 93.3% | 93.7% | 95.3% | 94.9% |
| — | +0.5% | +216.2% | +14.6% | +19.6% | +7.4% | -64.8% | +1.6% | -10.2% | -3.7% | -14.0% | -24.7% | -30.8% | -31.0% | -25.6% | -16.4% | -3.6% | -1.1% | +2.9% | +6.9% | +1.4% | |
| Operating Margin | 9.5% | 19.8% | -1.1% | 18.3% | 22.5% | 22.4% | -62.6% | 29.2% | 14.3% | 14.7% | 12.2% | 9.1% | 10.8% | 10.5% | 14.4% | 20.4% | 29.2% | 30.1% | 27.1% | 15.7% | 25.9% |
| — | -11.5% | +98.2% | -37.3% | +57.5% | +52.4% | -611.5% | +221.0% | +32.8% | +40.4% | -14.8% | -55.5% | -63.2% | -65.3% | -47.0% | +30.2% | +12.8% | +5.4% | -4.1% | -34.3% | -23.8% | |
| Net Margin | 7.9% | 15.1% | 15.7% | 14.4% | 18.2% | 18.0% | -48.3% | 22.3% | 12.3% | 12.4% | 10.2% | 9.5% | 9.0% | 8.8% | 11.9% | 16.9% | 23.8% | 24.6% | 22.5% | 15.8% | 21.5% |
| — | -16.1% | +132.5% | -35.3% | +47.8% | +45.2% | -571.2% | +134.6% | +37.0% | +40.7% | -13.9% | -43.8% | -62.3% | -64.2% | -47.1% | +7.0% | +10.7% | +3.9% | -4.4% | -24.6% | -23.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.3% | 2.6% | 2.0% | 2.3% | 3.1% | 3.0% | -4.7% | 5.2% | 3.0% | 2.9% | 2.4% | 2.3% | 2.3% | 2.0% | 2.5% | 3.2% | 4.1% | 4.0% | 3.1% | 2.1% | 2.6% |
| — | -12.4% | +141.8% | -55.7% | +2.2% | +1.7% | -300.2% | +128.6% | +32.3% | +47.4% | -5.9% | -28.4% | -45.2% | -50.1% | -18.1% | +53.9% | +56.0% | +40.2% | +12.4% | -13.5% | -20.3% | |
| ROA | 0.4% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | -0.4% | 0.3% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% |
| — | +1.0% | +154.3% | -31.3% | +50.9% | +50.0% | -362.0% | +149.9% | +43.9% | +53.0% | -7.9% | -36.2% | -54.4% | -59.5% | -36.9% | +15.8% | +22.1% | +15.1% | -1.8% | -21.5% | -28.5% | |
| ROIC | 2.8% | 2.2% | -0.1% | 1.6% | 2.1% | 1.9% | -2.5% | 2.1% | 1.0% | 1.0% | 0.8% | 0.6% | 0.7% | 0.6% | 0.7% | 1.1% | 2.1% | 2.5% | 2.4% | 1.5% | 2.4% |
| — | +14.4% | +96.7% | -22.5% | +107.9% | +93.1% | -427.8% | +248.8% | +37.3% | +75.5% | +13.5% | -44.4% | -65.5% | -78.0% | -72.2% | -30.9% | -12.6% | -0.7% | +1.0% | -23.1% | -20.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.37 | 0.15 | 0.21 | 0.37 | 0.38 | 0.39 | 0.54 | 1.26 | 1.69 | 1.57 | 1.72 | 1.79 | 1.72 | 1.92 | 2.39 | 2.33 | 1.06 | 0.58 | 0.29 | — | — |
| — | -60.6% | -61.5% | -70.7% | -77.9% | -75.3% | -68.8% | -30.0% | -1.7% | -18.0% | -28.1% | -23.1% | +62.7% | +229.5% | +731.2% | — | — | — | — | — | — | |
| Debt / EBITDA | 6.50 | 4.54 | 212.37 | 12.19 | 9.81 | 10.35 | — | 17.90 | 47.35 | 43.48 | 56.16 | 76.16 | 57.59 | 74.16 | 74.14 | 57.72 | 19.89 | 11.30 | 7.04 | — | — |
| — | -56.1% | — | -31.9% | -79.3% | -76.2% | — | -76.5% | -17.8% | -41.4% | -24.3% | +31.9% | +189.6% | +556.1% | +953.1% | — | — | — | — | — | — | |
| Current Ratio | 0.09 | 0.08 | 18.95 | 0.09 | 0.14 | 0.17 | 0.13 | 0.11 | 0.18 | 0.12 | 0.12 | 0.16 | 0.12 | 0.13 | 0.18 | 0.17 | 0.15 | 0.17 | 0.23 | 0.22 | 0.24 |
| — | -51.0% | +14200.1% | -22.7% | -23.6% | +44.9% | +7.2% | -32.4% | +49.4% | -9.8% | -29.7% | -1.7% | -17.5% | -22.7% | -23.1% | -23.6% | -39.0% | -34.5% | -6.3% | -9.9% | +5.4% | |
| Quick Ratio | 0.09 | 0.08 | 18.95 | 0.09 | 0.14 | 0.17 | 0.13 | 0.11 | 0.18 | 0.12 | 0.12 | 0.16 | 0.12 | 0.13 | 0.18 | 0.17 | 0.15 | 0.17 | 0.23 | 0.22 | 0.24 |
| — | -51.0% | +14200.1% | -22.7% | -23.6% | +44.9% | +7.2% | -32.4% | +49.4% | -9.8% | -29.7% | -1.7% | -17.5% | -22.7% | -23.1% | -23.6% | -39.0% | -34.5% | -6.3% | -9.9% | +5.4% | |
| Interest Coverage | 0.27 | 0.88 | -0.03 | 0.66 | 0.79 | 0.72 | -0.89 | 0.77 | 0.38 | 0.39 | 0.32 | 0.24 | 0.30 | 0.31 | 0.53 | 1.33 | 3.41 | 6.70 | 10.59 | 6.09 | 9.03 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying EFSI stock.
Eagle Financial Services, Inc.'s current P/E is 29.1x. The average P/E over the last 4 quarters is 11.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Eagle Financial Services, Inc.'s current operating margin is 9.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Eagle Financial Services, Inc.'s business trajectory between earnings reports.