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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.97
EFSI's Cash to Debt is ranked higher than
74% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.97 )
Ranked among companies with meaningful Cash to Debt only.
EFSI' s 10-Year Cash to Debt Range
Min: 0.1   Max: 1.23
Current: 0.97

0.1
1.23
Equity to Asset 0.12
EFSI's Equity to Asset is ranked higher than
79% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.07 vs. EFSI: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
EFSI' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.12

0.08
0.12
Interest Coverage 4.82
EFSI's Interest Coverage is ranked higher than
88% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. EFSI: 4.82 )
Ranked among companies with meaningful Interest Coverage only.
EFSI' s 10-Year Interest Coverage Range
Min: 0.51   Max: 9999.99
Current: 4.82

0.51
9999.99
F-Score: 4
Z-Score: 0.32
WACC vs ROIC
2.04%
8.14%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 31.33
EFSI's Operating margin (%) is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.01 vs. EFSI: 31.33 )
Ranked among companies with meaningful Operating margin (%) only.
EFSI' s 10-Year Operating margin (%) Range
Min: 16.66   Max: 36.38
Current: 31.33

16.66
36.38
Net-margin (%) 24.34
EFSI's Net-margin (%) is ranked higher than
75% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. EFSI: 24.34 )
Ranked among companies with meaningful Net-margin (%) only.
EFSI' s 10-Year Net-margin (%) Range
Min: 12.99   Max: 25.52
Current: 24.34

12.99
25.52
ROE (%) 10.12
EFSI's ROE (%) is ranked higher than
77% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.08 vs. EFSI: 10.12 )
Ranked among companies with meaningful ROE (%) only.
EFSI' s 10-Year ROE (%) Range
Min: 6.84   Max: 16.51
Current: 10.12

6.84
16.51
ROA (%) 1.19
EFSI's ROA (%) is ranked higher than
83% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.35 vs. EFSI: 1.19 )
Ranked among companies with meaningful ROA (%) only.
EFSI' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.27
Current: 1.19

0.65
1.27
ROC (Joel Greenblatt) (%) 50.66
EFSI's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.53 vs. EFSI: 50.66 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
EFSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 20.45   Max: 57.39
Current: 50.66

20.45
57.39
Revenue Growth (3Y)(%) -0.10
EFSI's Revenue Growth (3Y)(%) is ranked higher than
68% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. EFSI: -0.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EFSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 9
Current: -0.1

0
9
EBITDA Growth (3Y)(%) 13.50
EFSI's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 13.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EFSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 22
Current: 13.5

0
22
EPS Growth (3Y)(%) 16.50
EFSI's EPS Growth (3Y)(%) is ranked higher than
84% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 16.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EFSI' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.2   Max: 23.9
Current: 16.5

-17.2
23.9
» EFSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Latest Guru Trades with EFSI

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Ratios

vs
industry
vs
history
P/E(ttm) 11.10
EFSI's P/E(ttm) is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. EFSI: 11.10 )
Ranked among companies with meaningful P/E(ttm) only.
EFSI' s 10-Year P/E(ttm) Range
Min: 8.7   Max: 25.35
Current: 11.1

8.7
25.35
PE(NRI) 11.20
EFSI's PE(NRI) is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. EFSI: 11.20 )
Ranked among companies with meaningful PE(NRI) only.
EFSI' s 10-Year PE(NRI) Range
Min: 8.71   Max: 25.47
Current: 11.2

8.71
25.47
P/B 1.10
EFSI's P/B is ranked lower than
51% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. EFSI: 1.10 )
Ranked among companies with meaningful P/B only.
EFSI' s 10-Year P/B Range
Min: 0.84   Max: 2.89
Current: 1.1

0.84
2.89
P/S 2.72
EFSI's P/S is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 2.72 )
Ranked among companies with meaningful P/S only.
EFSI' s 10-Year P/S Range
Min: 1.7   Max: 19.02
Current: 2.72

1.7
19.02
PFCF 33.80
EFSI's PFCF is ranked higher than
53% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. EFSI: 33.80 )
Ranked among companies with meaningful PFCF only.
EFSI' s 10-Year PFCF Range
Min: 4.81   Max: 56.97
Current: 33.8

4.81
56.97
POCF 12.57
EFSI's POCF is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 12.57 )
Ranked among companies with meaningful POCF only.
EFSI' s 10-Year POCF Range
Min: 4.48   Max: 52.9
Current: 12.57

4.48
52.9
EV-to-EBIT 8.88
EFSI's EV-to-EBIT is ranked higher than
85% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. EFSI: 8.88 )
Ranked among companies with meaningful EV-to-EBIT only.
EFSI' s 10-Year EV-to-EBIT Range
Min: 7   Max: 75.4
Current: 8.88

7
75.4
PEG 0.74
EFSI's PEG is ranked higher than
92% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.74 )
Ranked among companies with meaningful PEG only.
EFSI' s 10-Year PEG Range
Min: 0.57   Max: 6.55
Current: 0.74

0.57
6.55
Shiller P/E 13.90
EFSI's Shiller P/E is ranked higher than
84% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 13.90 )
Ranked among companies with meaningful Shiller P/E only.
EFSI' s 10-Year Shiller P/E Range
Min: 7.26   Max: 16.12
Current: 13.9

7.26
16.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.39
EFSI's Dividend Yield is ranked higher than
66% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. EFSI: 3.39 )
Ranked among companies with meaningful Dividend Yield only.
EFSI' s 10-Year Dividend Yield Range
Min: 1.51   Max: 5.51
Current: 3.39

1.51
5.51
Dividend Payout 0.37
EFSI's Dividend Payout is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
EFSI' s 10-Year Dividend Payout Range
Min: 0.22   Max: 8.5
Current: 0.37

0.22
8.5
Dividend growth (3y) 2.30
EFSI's Dividend growth (3y) is ranked higher than
80% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 2.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
EFSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 45.4
Current: 2.3

0
45.4
Yield on cost (5-Year) 3.72
EFSI's Yield on cost (5-Year) is ranked higher than
61% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 3.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EFSI' s 10-Year Yield on cost (5-Year) Range
Min: 1.65   Max: 6.02
Current: 3.72

1.65
6.02
Share Buyback Rate -1.50
EFSI's Share Buyback Rate is ranked higher than
78% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: -1.50 )
Ranked among companies with meaningful Share Buyback Rate only.
EFSI' s 10-Year Share Buyback Rate Range
Min: -1   Max: -1.6
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
EFSI's Price/Tangible Book is ranked higher than
68% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 1.10 )
Ranked among companies with meaningful Price/Tangible Book only.
EFSI' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 2.68
Current: 1.1

0.91
2.68
Price/DCF (Projected) 0.60
EFSI's Price/DCF (Projected) is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
EFSI' s 10-Year Price/DCF (Projected) Range
Min: 0.47   Max: 0.76
Current: 0.6

0.47
0.76
Price/Median PS Value 1.00
EFSI's Price/Median PS Value is ranked higher than
72% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
EFSI' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 6.65
Current: 1

0.7
6.65
Price/Peter Lynch Fair Value 0.70
EFSI's Price/Peter Lynch Fair Value is ranked higher than
91% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.70 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EFSI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58   Max: 2.48
Current: 0.7

0.58
2.48
Price/Graham Number 0.70
EFSI's Price/Graham Number is ranked higher than
80% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. EFSI: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
EFSI' s 10-Year Price/Graham Number Range
Min: 0.69   Max: 1.44
Current: 0.7

0.69
1.44
Earnings Yield (Greenblatt) 11.40
EFSI's Earnings Yield (Greenblatt) is ranked higher than
85% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. EFSI: 11.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
EFSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 14.3
Current: 11.4

1.3
14.3
Forward Rate of Return (Yacktman) 23.96
EFSI's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 23.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
EFSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 29.6
Current: 23.96

-2.6
29.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Eagle Financial Services Inc is a bank holding company, which was incorporated in 1991 in the state of Virginia. The Company conducts its operations through its subsidiary, Bank of Clarke County. The Bank has twelve full-service branches and one drive-through only facility. The Bank has offices located in Clarke County, Frederick County, Loudoun County and the City of Winchester. This market area is located in northwestern Virginia. The Bank offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. Branded credit cards are offered through a larger financial institution and the Bank also has a merchant services program which allows its commercial customers to accept credit card payments. The Bank has sixteen ATM locations in its trade area and issues both ATM cards and Debit cards to deposit customers. These cards can be used to withdraw cash at ATM's through the Bank's membership in both regional and national networks. These cards can also be used to make purchases at retailers who accept transactions through the same regional and national networks. The Bank offers telephone banking, internet banking, and mobile banking to its customers. Internet banking also offers online bill payment to consumer and commercial customers. The Bank offers other commercial deposit account services such as ACH origination and remote deposit capture. The competition for loans comes from other commercial banks, savings banks, credit unions, mortgage brokers, finance companies, insurance companies, and other institutional lenders. Competition for deposits comes from other commercial banks, savings banks, credit unions, brokerage firms, and other financial institutions. The Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and the examination and reporting requirements of the Board of Governors of the Federal Reserve System.
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