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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.48
EFSI's Cash to Debt is ranked lower than
56% of the 1456 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. EFSI: 1.48 )
Ranked among companies with meaningful Cash to Debt only.
EFSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.31 Max: N/A
Current: 1.48
Equity to Asset 0.12
EFSI's Equity to Asset is ranked higher than
66% of the 1593 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 8.73
EFSI's Interest Coverage is ranked higher than
88% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.71 vs. EFSI: 8.73 )
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: 8.73
Current: 8.73
0.51
8.73
F-Score: 6
M-Score: -2.30
WACC vs ROIC
2.16%
9.70%
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 (%) 32.65
EFSI's Operating margin (%) is ranked higher than
54% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.90 vs. EFSI: 32.65 )
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: 32.65
16.46
36.38
Net-margin (%) 23.71
EFSI's Net-margin (%) is ranked higher than
55% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.30 vs. EFSI: 23.71 )
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: 23.71
12.83
25.52
ROE (%) 9.95
EFSI's ROE (%) is ranked higher than
62% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. EFSI: 9.95 )
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: 9.95
6.84
15.23
ROA (%) 1.19
EFSI's ROA (%) is ranked higher than
70% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. EFSI: 1.19 )
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: 1.19
0.65
1.21
Revenue Growth (3Y)(%) 1.00
EFSI's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. EFSI: 1.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
EFSI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.4  Med: 3.4 Max: 12.9
Current: 1
-0.4
12.9
EBITDA Growth (3Y)(%) -0.50
EFSI's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. EFSI: -0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
EFSI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.6  Med: 1.8 Max: 22.1
Current: -0.5
-17.6
22.1
EPS Growth (3Y)(%) 0.20
EFSI's EPS Growth (3Y)(%) is ranked lower than
70% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. EFSI: 0.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
EFSI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.2  Med: 3.4 Max: 23.9
Current: 0.2
-17.2
23.9
» EFSI's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CBAN, OTCPK:FDBC, NAS:FSBW, OTCPK:CPKF, NAS:SAL, NAS:OVLY, NAS:BKSC, OTCPK:FNRN, OTCBB:JUVF, OTCPK:FMBM, OTCPK:EMYB, OTCPK:FOFN, OTCPK:OPBK, NAS:WBB, NAS:MPB, OTCPK:FNCB, NAS:HWBK, NAS:HBMD, OTCPK:HLAN, OTCPK:CABC » details
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
P/E(ttm) 10.74
EFSI's P/E(ttm) is ranked higher than
63% of the 1491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. EFSI: 10.74 )
Ranked among companies with meaningful P/E(ttm) only.
EFSI' s P/E(ttm) Range Over the Past 10 Years
Min: 8.71  Med: 13.18 Max: 25.09
Current: 10.74
8.71
25.09
PE(NRI) 10.74
EFSI's PE(NRI) is ranked higher than
63% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.36 vs. EFSI: 10.74 )
Ranked among companies with meaningful PE(NRI) only.
EFSI' s PE(NRI) Range Over the Past 10 Years
Min: 8.71  Med: 13.18 Max: 25.09
Current: 10.74
8.71
25.09
Price/Owner Earnings (ttm) 8.34
EFSI's Price/Owner Earnings (ttm) is ranked higher than
71% of the 838 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.83 vs. EFSI: 8.34 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
EFSI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.28  Med: 14.74 Max: 3500
Current: 8.34
6.28
3500
P/B 1.03
EFSI's P/B is ranked higher than
52% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. EFSI: 1.03 )
Ranked among companies with meaningful P/B only.
EFSI' s P/B Range Over the Past 10 Years
Min: 0.84  Med: 1.14 Max: 2.89
Current: 1.03
0.84
2.89
P/S 2.54
EFSI's P/S is ranked higher than
60% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. EFSI: 2.54 )
Ranked among companies with meaningful P/S only.
EFSI' s P/S Range Over the Past 10 Years
Min: 1.67  Med: 2.55 Max: 19
Current: 2.54
1.67
19
PFCF 9.02
EFSI's PFCF is ranked higher than
59% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. EFSI: 9.02 )
Ranked among companies with meaningful PFCF only.
EFSI' s PFCF Range Over the Past 10 Years
Min: 4.81  Med: 13.14 Max: 99.18
Current: 9.02
4.81
99.18
POCF 8.30
EFSI's POCF is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.12 vs. EFSI: 8.30 )
Ranked among companies with meaningful POCF only.
EFSI' s POCF Range Over the Past 10 Years
Min: 4.46  Med: 8.78 Max: 22.09
Current: 8.3
4.46
22.09
EV-to-EBIT 6.97
EFSI's EV-to-EBIT is ranked higher than
75% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. EFSI: 6.97 )
Ranked among companies with meaningful EV-to-EBIT only.
EFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.7  Med: 15.3 Max: 75.4
Current: 6.97
6.7
75.4
EV-to-EBITDA 6.34
EFSI's EV-to-EBITDA is ranked higher than
75% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. EFSI: 6.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
EFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.1  Med: 13.5 Max: 64.8
Current: 6.34
6.1
64.8
PEG 0.88
EFSI's PEG is ranked higher than
60% of the 736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. EFSI: 0.88 )
Ranked among companies with meaningful PEG only.
EFSI' s PEG Range Over the Past 10 Years
Min: 0.65  Med: 0.93 Max: 4.83
Current: 0.88
0.65
4.83
Shiller P/E 13.57
EFSI's Shiller P/E is ranked higher than
74% of the 486 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.59 vs. EFSI: 13.57 )
Ranked among companies with meaningful Shiller P/E only.
EFSI' s Shiller P/E Range Over the Past 10 Years
Min: 12.28  Med: 13.18 Max: 14.65
Current: 13.57
12.28
14.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.37
EFSI's Dividend Yield is ranked higher than
59% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. EFSI: 3.37 )
Ranked among companies with meaningful Dividend Yield only.
EFSI' s Dividend Yield Range Over the Past 10 Years
Min: 1.51  Med: 3.32 Max: 5.51
Current: 3.37
1.51
5.51
Dividend Payout 0.36
EFSI's Dividend Payout is ranked lower than
55% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. EFSI: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
EFSI' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.36 Max: 8.5
Current: 0.36
0.21
8.5
Dividend Growth (3y) 14.00
EFSI's Dividend Growth (3y) is ranked higher than
65% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. EFSI: 14.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
EFSI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.3 Max: 45.4
Current: 14
0
45.4
Forward Dividend Yield 3.37
EFSI's Forward Dividend Yield is ranked higher than
55% of the 2090 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. EFSI: 3.37 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.03
EFSI's Yield on cost (5-Year) is ranked higher than
57% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.48 vs. EFSI: 4.03 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
EFSI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.81  Med: 3.98 Max: 6.61
Current: 4.03
1.81
6.61
3-Year Average Share Buyback Ratio -1.80
EFSI's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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/Tangible Book 1.03
EFSI's Price/Tangible Book is ranked higher than
57% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. EFSI: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
EFSI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.91  Med: 1.15 Max: 2.68
Current: 1.03
0.91
2.68
Price/Projected FCF 0.57
EFSI's Price/Projected FCF is ranked higher than
63% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. EFSI: 0.57 )
Ranked among companies with meaningful Price/Projected FCF only.
EFSI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.55  Med: 0.65 Max: 0.81
Current: 0.57
0.55
0.81
Price/Median PS Value 1.00
EFSI's Price/Median PS Value is ranked higher than
59% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. EFSI: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
EFSI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.72  Med: 1.02 Max: 6.91
Current: 1
0.72
6.91
Price/Peter Lynch Fair Value 1.08
EFSI's Price/Peter Lynch Fair Value is ranked lower than
56% of the 389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. EFSI: 1.08 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
EFSI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.67  Med: 0.97 Max: 2.48
Current: 1.08
0.67
2.48
Price/Graham Number 0.70
EFSI's Price/Graham Number is ranked higher than
63% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. EFSI: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
EFSI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 0.81 Max: 1.43
Current: 0.7
0.68
1.43
Earnings Yield (Greenblatt) (%) 14.33
EFSI's Earnings Yield (Greenblatt) (%) is ranked higher than
80% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. EFSI: 14.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
EFSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 6.5 Max: 15
Current: 14.33
1.3
15
Forward Rate of Return (Yacktman) (%) 18.74
EFSI's Forward Rate of Return (Yacktman) (%) is ranked higher than
66% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.00 vs. EFSI: 18.74 )
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: 12.6 Max: 27.1
Current: 18.74
-6.2
27.1

More Statistics

Revenue (TTM) (Mil) $32.81
EPS (TTM) $ 2.21
Beta0.03
Short Percentage of Float0.00%
52-Week Range $22.25 - 24.00
Shares Outstanding (Mil)3.55
» More Articles for EFSI

Headlines

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