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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 0.73
EFSI's Cash to Debt is ranked higher than
66% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. EFSI: 0.73 )
EFSI' s 10-Year Cash to Debt Range
Min: 0.1   Max: 1.23
Current: 0.73

0.1
1.23
Equity to Asset 0.12
EFSI's Equity to Asset is ranked higher than
82% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. EFSI: 0.12 )
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 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. EFSI: 4.82 )
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: 0.31
WACC vs ROIC
1.83%
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 (%) 31.17
EFSI's Operating margin (%) is ranked higher than
75% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. EFSI: 31.17 )
EFSI' s 10-Year Operating margin (%) Range
Min: 16.46   Max: 36.38
Current: 31.17

16.46
36.38
Net-margin (%) 24.17
EFSI's Net-margin (%) is ranked higher than
78% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. EFSI: 24.17 )
EFSI' s 10-Year Net-margin (%) Range
Min: 12.83   Max: 25.52
Current: 24.17

12.83
25.52
ROE (%) 10.23
EFSI's ROE (%) is ranked higher than
80% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. EFSI: 10.23 )
EFSI' s 10-Year ROE (%) Range
Min: 6.84   Max: 16.51
Current: 10.23

6.84
16.51
ROA (%) 1.18
EFSI's ROA (%) is ranked higher than
85% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. EFSI: 1.18 )
EFSI' s 10-Year ROA (%) Range
Min: 0.65   Max: 1.27
Current: 1.18

0.65
1.27
ROC (Joel Greenblatt) (%) 51.73
EFSI's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. EFSI: 51.73 )
EFSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 20.45   Max: 57.39
Current: 51.73

20.45
57.39
Revenue Growth (3Y)(%) -0.50
EFSI's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. EFSI: -0.50 )
EFSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 9
Current: -0.5

0
9
EBITDA Growth (3Y)(%) 13.50
EFSI's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. EFSI: 13.50 )
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
82% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. EFSI: 16.50 )
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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Ratios

vs
industry
vs
history
P/E(ttm) 11.60
EFSI's P/E(ttm) is ranked higher than
86% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. EFSI: 11.60 )
EFSI' s 10-Year P/E(ttm) Range
Min: 8.7   Max: 25.35
Current: 11.6

8.7
25.35
PE(NRI) 11.60
EFSI's PE(NRI) is ranked higher than
88% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. EFSI: 11.60 )
EFSI' s 10-Year PE(NRI) Range
Min: 8.71   Max: 25.47
Current: 11.6

8.71
25.47
P/B 1.10
EFSI's P/B is ranked higher than
71% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. EFSI: 1.10 )
EFSI' s 10-Year P/B Range
Min: 0.84   Max: 2.89
Current: 1.1

0.84
2.89
P/S 2.80
EFSI's P/S is ranked higher than
71% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. EFSI: 2.80 )
EFSI' s 10-Year P/S Range
Min: 1.67   Max: 19.02
Current: 2.8

1.67
19.02
PFCF 19.20
EFSI's PFCF is ranked higher than
74% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 19.20 )
EFSI' s 10-Year PFCF Range
Min: 4.81   Max: 56.97
Current: 19.2

4.81
56.97
POCF 11.37
EFSI's POCF is ranked higher than
81% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. EFSI: 11.37 )
EFSI' s 10-Year POCF Range
Min: 4.48   Max: 52.9
Current: 11.37

4.48
52.9
EV-to-EBIT 10.64
EFSI's EV-to-EBIT is ranked higher than
87% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. EFSI: 10.64 )
EFSI' s 10-Year EV-to-EBIT Range
Min: 7   Max: 75.4
Current: 10.64

7
75.4
PEG 0.77
EFSI's PEG is ranked higher than
95% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.77 )
EFSI' s 10-Year PEG Range
Min: 0.57   Max: 6.55
Current: 0.77

0.57
6.55
Shiller P/E 14.50
EFSI's Shiller P/E is ranked higher than
89% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 14.50 )
EFSI' s 10-Year Shiller P/E Range
Min: 7.26   Max: 16.12
Current: 14.5

7.26
16.12

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
EFSI's Dividend Yield is ranked higher than
68% of the 2193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. EFSI: 3.30 )
EFSI' s 10-Year Dividend Yield Range
Min: 1.51   Max: 5.51
Current: 3.3

1.51
5.51
Dividend Payout 0.37
EFSI's Dividend Payout is ranked higher than
77% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. EFSI: 0.37 )
EFSI' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.63
Current: 0.37

0.14
0.63
Dividend growth (3y) 2.30
EFSI's Dividend growth (3y) is ranked higher than
70% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. EFSI: 2.30 )
EFSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 45.4
Current: 2.3

0
45.4
Yield on cost (5-Year) 3.61
EFSI's Yield on cost (5-Year) is ranked higher than
63% of the 2203 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. EFSI: 3.61 )
EFSI' s 10-Year Yield on cost (5-Year) Range
Min: 1.65   Max: 6.02
Current: 3.61

1.65
6.02
Share Buyback Rate -1.50
EFSI's Share Buyback Rate is ranked higher than
72% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. EFSI: -1.50 )
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
81% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. EFSI: 1.10 )
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
91% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.60 )
EFSI' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 0.68
Current: 0.6

0.52
0.68
Price/Median PS Value 1.10
EFSI's Price/Median PS Value is ranked higher than
76% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. EFSI: 1.10 )
EFSI' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 1.53
Current: 1.1

0.72
1.53
Price/Peter Lynch Fair Value 0.80
EFSI's Price/Peter Lynch Fair Value is ranked higher than
95% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. EFSI: 0.80 )
EFSI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58   Max: 0.92
Current: 0.8

0.58
0.92
Price/Graham Number 0.80
EFSI's Price/Graham Number is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. EFSI: 0.80 )
EFSI' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 1.34
Current: 0.8

0.74
1.34
Earnings Yield (Greenblatt) 9.40
EFSI's Earnings Yield (Greenblatt) is ranked higher than
81% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. EFSI: 9.40 )
EFSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 14.3
Current: 9.4

1.3
14.3
Forward Rate of Return (Yacktman) 24.47
EFSI's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.52 vs. EFSI: 24.47 )
EFSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 29.6
Current: 24.47

-2.6
29.6

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Eagle Financial Services Inc, a bank holding Company, 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 Company along with its subsidiaries offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. Credit cards are offered through a financial institution and the Bank also has a merchant services program which allows its commercial customers to accept credit card payments. It has 16 ATM locations and issues both ATM cards and Debit cards to deposit customers. The Bank offers both telephone banking and internet 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 Company through Eagle Investment Group, or EIG, the Bank's investment management division offers both a trust department and investment services. The Bank faces competition from other commercial banks, savings banks, credit unions, mortgage brokers, finance companies, insurance companies, brokerage firms, other financial institutions and other institutional lenders for its loans and deposits. As a bank holding company, 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. As a state-chartered commercial bank, the Bank is subject to regulation, supervision and examination by the Virginia State Corporation Commission's Bureau of Financial Institutions.
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