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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 No Debt
EFSI's Cash-to-Debt is ranked higher than
93% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. EFSI: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
EFSI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.32 Max: No Debt
Current: No Debt
Equity-to-Asset 0.12
EFSI's Equity-to-Asset is ranked higher than
67% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. EFSI: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
EFSI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.12
Current: 0.12
0.08
0.12
Interest Coverage 6.99
EFSI's Interest Coverage is ranked higher than
86% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. EFSI: 6.99 )
Ranked among companies with meaningful Interest Coverage only.
EFSI' s Interest Coverage Range Over the Past 10 Years
Min: 0.51  Med: 1.01 Max: 6.99
Current: 6.99
0.51
6.99
Piotroski F-Score: 4
Beneish M-Score: -2.23
WACC vs ROIC
3.27%
7.93%
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 % 26.08
EFSI's Operating Margin % is ranked lower than
62% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. EFSI: 26.08 )
Ranked among companies with meaningful Operating Margin % only.
EFSI' s Operating Margin % Range Over the Past 10 Years
Min: 16.46  Med: 30.31 Max: 36.38
Current: 26.08
16.46
36.38
Net Margin % 19.25
EFSI's Net Margin % is ranked lower than
60% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. EFSI: 19.25 )
Ranked among companies with meaningful Net Margin % only.
EFSI' s Net Margin % Range Over the Past 10 Years
Min: 12.83  Med: 22.1 Max: 25.52
Current: 19.25
12.83
25.52
ROE % 7.44
EFSI's ROE % is ranked lower than
57% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. EFSI: 7.44 )
Ranked among companies with meaningful ROE % only.
EFSI' s ROE % Range Over the Past 10 Years
Min: 6.84  Med: 9.67 Max: 15.23
Current: 7.44
6.84
15.23
ROA % 0.90
EFSI's ROA % is ranked higher than
52% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. EFSI: 0.90 )
Ranked among companies with meaningful ROA % only.
EFSI' s ROA % Range Over the Past 10 Years
Min: 0.65  Med: 1.05 Max: 1.21
Current: 0.9
0.65
1.21
3-Year Revenue Growth Rate 1.00
EFSI's 3-Year Revenue Growth Rate is ranked lower than
65% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. EFSI: 1.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
EFSI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.4  Med: 3.4 Max: 12.9
Current: 1
-0.4
12.9
3-Year EBITDA Growth Rate -0.50
EFSI's 3-Year EBITDA Growth Rate is ranked lower than
71% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. EFSI: -0.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
EFSI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -17.6  Med: 1.8 Max: 22.1
Current: -0.5
-17.6
22.1
3-Year EPS without NRI Growth Rate 0.20
EFSI's 3-Year EPS without NRI Growth Rate is ranked lower than
71% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. EFSI: 0.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
EFSI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -17.2  Med: 3.4 Max: 23.9
Current: 0.2
-17.2
23.9
GuruFocus has detected 3 Warning Signs with Eagle Financial Services Inc $EFSI.
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» EFSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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Eagle Financial Services Inc is a bank holding company, which along with its subsidiaries offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans.

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.

Ratios

vs
industry
vs
history
PE Ratio 17.07
EFSI's PE Ratio is ranked lower than
61% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. EFSI: 17.07 )
Ranked among companies with meaningful PE Ratio only.
EFSI' s PE Ratio Range Over the Past 10 Years
Min: 8.71  Med: 13.21 Max: 25.09
Current: 17.07
8.71
25.09
PE Ratio without NRI 17.07
EFSI's PE Ratio without NRI is ranked lower than
60% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. EFSI: 17.07 )
Ranked among companies with meaningful PE Ratio without NRI only.
EFSI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.71  Med: 13.21 Max: 25.09
Current: 17.07
8.71
25.09
Price-to-Owner-Earnings 17.25
EFSI's Price-to-Owner-Earnings is ranked lower than
59% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. EFSI: 17.25 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
EFSI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.28  Med: 14.82 Max: 3500
Current: 17.25
6.28
3500
PB Ratio 1.23
EFSI's PB Ratio is ranked lower than
54% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. EFSI: 1.23 )
Ranked among companies with meaningful PB Ratio only.
EFSI' s PB Ratio Range Over the Past 10 Years
Min: 0.84  Med: 1.13 Max: 2.82
Current: 1.23
0.84
2.82
PS Ratio 3.26
EFSI's PS Ratio is ranked higher than
53% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. EFSI: 3.26 )
Ranked among companies with meaningful PS Ratio only.
EFSI' s PS Ratio Range Over the Past 10 Years
Min: 1.67  Med: 2.55 Max: 18.59
Current: 3.26
1.67
18.59
Price-to-Free-Cash-Flow 12.84
EFSI's Price-to-Free-Cash-Flow is ranked higher than
51% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. EFSI: 12.84 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
EFSI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.81  Med: 10.03 Max: 99.18
Current: 12.84
4.81
99.18
Price-to-Operating-Cash-Flow 12.08
EFSI's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. EFSI: 12.08 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
EFSI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.46  Med: 8.86 Max: 22.09
Current: 12.08
4.46
22.09
EV-to-EBIT 9.96
EFSI's EV-to-EBIT is ranked higher than
61% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. EFSI: 9.96 )
Ranked among companies with meaningful EV-to-EBIT only.
EFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.7  Med: 14.6 Max: 70.8
Current: 9.96
6.7
70.8
EV-to-EBITDA 8.76
EFSI's EV-to-EBITDA is ranked higher than
63% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. EFSI: 8.76 )
Ranked among companies with meaningful EV-to-EBITDA only.
EFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.1  Med: 12.6 Max: 63.8
Current: 8.76
6.1
63.8
PEG Ratio 1.42
EFSI's PEG Ratio is ranked higher than
50% of the 767 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. EFSI: 1.42 )
Ranked among companies with meaningful PEG Ratio only.
EFSI' s PEG Ratio Range Over the Past 10 Years
Min: 0.65  Med: 1.01 Max: 4.83
Current: 1.42
0.65
4.83
Shiller PE Ratio 16.35
EFSI's Shiller PE Ratio is ranked higher than
69% of the 488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.69 vs. EFSI: 16.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
EFSI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.21  Med: 13.23 Max: 16.35
Current: 16.35
12.21
16.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.95
EFSI's Dividend Yield % is ranked higher than
55% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. EFSI: 2.95 )
Ranked among companies with meaningful Dividend Yield % only.
EFSI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.55  Med: 3.33 Max: 5.51
Current: 2.95
1.55
5.51
Dividend Payout Ratio 0.48
EFSI's Dividend Payout Ratio is ranked lower than
74% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. EFSI: 0.48 )
Ranked among companies with meaningful Dividend Payout Ratio only.
EFSI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.39 Max: 0.63
Current: 0.48
0.28
0.63
3-Year Dividend Growth Rate 14.00
EFSI's 3-Year Dividend Growth Rate is ranked higher than
67% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. EFSI: 14.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
EFSI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 3.3 Max: 45.4
Current: 14
0
45.4
Forward Dividend Yield % 3.09
EFSI's Forward Dividend Yield % is ranked higher than
54% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. EFSI: 3.09 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.54
EFSI's 5-Year Yield-on-Cost % is ranked higher than
56% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. EFSI: 3.54 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
EFSI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.86  Med: 3.99 Max: 6.61
Current: 3.54
1.86
6.61
3-Year Average Share Buyback Ratio -1.80
EFSI's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. EFSI: -1.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
EFSI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.8  Med: -1.4 Max: -1.1
Current: -1.8
-1.8
-1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.23
EFSI's Price-to-Tangible-Book is ranked higher than
50% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. EFSI: 1.23 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
EFSI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.91  Med: 1.15 Max: 2.68
Current: 1.23
0.91
2.68
Price-to-Intrinsic-Value-Projected-FCF 0.75
EFSI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
56% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. EFSI: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
EFSI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.47  Med: 0.58 Max: 0.75
Current: 0.75
0.47
0.75
Price-to-Median-PS-Value 1.28
EFSI's Price-to-Median-PS-Value is ranked lower than
60% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. EFSI: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
EFSI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.72  Med: 1.03 Max: 6.91
Current: 1.28
0.72
6.91
Price-to-Peter-Lynch-Fair-Value 2.93
EFSI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
89% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. EFSI: 2.93 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
EFSI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.67  Med: 1 Max: 2.93
Current: 2.93
0.67
2.93
Price-to-Graham-Number 0.97
EFSI's Price-to-Graham-Number is ranked lower than
51% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. EFSI: 0.97 )
Ranked among companies with meaningful Price-to-Graham-Number only.
EFSI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68  Med: 0.81 Max: 1.43
Current: 0.97
0.68
1.43
Earnings Yield (Greenblatt) % 10.04
EFSI's Earnings Yield (Greenblatt) % is ranked higher than
70% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. EFSI: 10.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
EFSI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.4  Med: 6.8 Max: 15
Current: 10.04
1.4
15
Forward Rate of Return (Yacktman) % 12.84
EFSI's Forward Rate of Return (Yacktman) % is ranked higher than
56% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. EFSI: 12.84 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
EFSI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -6.2  Med: 14.2 Max: 28.5
Current: 12.84
-6.2
28.5

More Statistics

Revenue (TTM) (Mil) $30.76
EPS (TTM) $ 1.67
Beta0.11
Short Percentage of Float0.00%
52-Week Range $22.25 - 29.00
Shares Outstanding (Mil)3.48
» More Articles for EFSI

Headlines

Articles On GuruFocus.com
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