EFSI (Eagle Financial Services) Cyclically Adjusted Book per Share: $34.63 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

EFSI Eagle Financial Services Inc EFSI
63 GF Score
Price $43.79
GF Value $30.57
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Eagle Financial Services Cyclically Adjusted Book per Share?

Eagle Financial Services EFSI +0.86% 63 Cyclically Adjusted Book per Share is $34.63 as of Jun. 2026. GuruFocus rates EFSI with a GF Score™ of 63/100 and a GF Value™ of $30.57 (Significantly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Eagle Financial Services's adjusted book value per share for the three months ended in Jun. 2026 was $35.829. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $34.63 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Eagle Financial Services's average Cyclically Adjusted Book Growth Rate was 4.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 6.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Eagle Financial Services was 8.50% per year. The lowest was 4.50% per year. And the median was 6.10% per year.

As of today (2026-08-14), Eagle Financial Services's current stock price is $43.785. Eagle Financial Services's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $34.63. Eagle Financial Services's Cyclically Adjusted PB Ratio of today is 1.26.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Eagle Financial Services was 1.79. The lowest was 0.90. And the median was 1.25.


Eagle Financial Services  (NAS:EFSI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Eagle Financial Services's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=43.785/34.63
=1.26

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Eagle Financial Services was 1.79. The lowest was 0.90. And the median was 1.25.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Eagle Financial Services Cyclically Adjusted Book per Share Related Terms


Eagle Financial Services Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Eagle Financial Services's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Eagle Financial Services Cyclically Adjusted Book per Share Chart

Eagle Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.06 29.31 30.74 32.11 33.41

Eagle Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 33.03 33.37 33.41 34.14 34.63

EFSI vs CFBK, QNBC, PBNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Eagle Financial Services's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Eagle Financial Services Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Financial Services's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Eagle Financial Services's Cyclically Adjusted PB Ratio falls into.


EFSI
63GF Score
Eagle Financial Services Inc EFSI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Eagle Financial Services Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Eagle Financial Services's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=35.829/333.9520*333.9520
=35.829

Current CPI (Jun. 2026) = 333.9520.

Eagle Financial Services Quarterly Data

Book Value per Share CPI Adj_Book
201609 23.152 241.428 32.025
201612 22.900 241.432 31.676
201703 23.193 243.801 31.769
201706 23.885 244.955 32.563
201709 24.176 246.819 32.711
201712 24.302 246.524 32.921
201803 24.002 249.554 32.119
201806 24.410 251.989 32.350
201809 24.419 252.439 32.304
201812 25.420 251.233 33.790
201903 26.354 254.202 34.622
201906 27.023 256.143 35.232
201909 27.509 256.759 35.779
201912 28.083 256.974 36.495
202003 29.292 258.115 37.898
202006 29.786 257.797 38.585
202009 30.653 260.280 39.329
202012 30.859 260.474 39.564
202103 30.631 264.877 38.619
202106 31.252 271.696 38.413
202109 31.836 274.310 38.758
202112 31.928 278.802 38.244
202203 29.365 287.504 34.109
202206 28.581 296.311 32.212
202209 28.223 296.808 31.755
202212 29.149 296.797 32.798
202303 30.191 301.836 33.403
202306 29.470 305.109 32.256
202309 28.737 307.789 31.180
202312 30.781 306.746 33.511
202403 30.280 312.332 32.376
202406 31.238 314.175 33.204
202409 33.195 315.301 35.159
202412 33.517 315.605 35.465
202503 32.808 319.799 34.260
202506 33.417 322.561 34.597
202509 34.520 324.800 35.493
202512 35.139 324.054 36.212
202603 35.167 330.213 35.565
202606 35.829 333.952 35.829

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $34.63 mean?
Eagle Financial Services (EFSI) has a Cyclically Adjusted Book per Share of $34.63 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Eagle Financial Services and its competitors.
Is Eagle Financial Services' Cyclically Adjusted Book per Share too high?
Eagle Financial Services' current Cyclically Adjusted Book per Share is $34.63. Overall, Eagle Financial Services has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eagle Financial Services' Cyclically Adjusted Book per Share compare to CFBK and QNBC?
Eagle Financial Services' Cyclically Adjusted Book per Share of $34.63 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Eagle Financial Services and its competitors. Eagle Financial Services's current Cyclically Adjusted Book per Share is $34.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eagle Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Eagle Financial Services (EFSI) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.57, compared to a current price of $43.79 — trading 43.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is $34.63. Eagle Financial Services' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current Cyclically Adjusted Book per Share is $34.63 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Eagle Financial Services (EFSI) Overvalued in 2026?

Based on GuruFocus' analysis, Eagle Financial Services stock appears to be overvalued. The current stock price of $43.79 is trading 43.2% above its estimated GF Value™ of $30.57. GuruFocus considers Eagle Financial Services to be Significantly Overvalued.

Key valuation signals for EFSI:

  • Cyclically Adjusted Book per Share: $34.63
  • GF Value™: $30.57 vs. price of $43.79 (43.2% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the EFSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Eagle Financial Services Business Description

Address 2 East Main Street, P.O. Box 391, Berryville, VA, USA, 22611
Eagle Financial Services Inc is a locally owned and managed financial institution. It offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage, and commercial loans. It also offers telephone banking, internet banking, and mobile banking to its customers. The Company has three reportable operating segments, Community Banking, Marine Lending and Wealth Management. It generates a majority of its revenue from the Community Banking segment.
63GF Score

Get the complete analysis for EFSI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.79
Price
$30.57
GF Value