Eagle Financial ServicesEFSI -0.91%60 EV-to-FCF is 6.12 as of Jun. 29, 2026, which is 10% below its 10-year median of 6.81. GuruFocus rates EFSI with a GF Score™ of 60/100 and a GF Value™ of $28.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,196 Banks companies, Eagle Financial Services ranks better than 51.84% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Eagle Financial Services's Enterprise Value is $141.81 Mil.
Eagle Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $23.17 Mil. Therefore, Eagle Financial Services's EV-to-FCF for today is 6.12.
The historical rank and industry rank for Eagle Financial Services's EV-to-FCF or its related term are showing as below:
EFSI'
s EV-to-FCF Range Over the Past 10 Years
Min: -106.21 Med: 6.81 Max: 34.32
Current: 6.12
During the past 13 years, the highest EV-to-FCF of Eagle Financial Services was 34.32. The lowest was -106.21. And the median was 6.81.
EFSI's EV-to-FCF is ranked better than 51.84% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs EFSI: 6.12
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Eagle Financial Services's PE Ratio (TTM) for today is calculated as:
Eagle Financial Services's share price for today is $40.96.
Eagle Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.520.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Eagle Financial Services EV-to-FCF Related Terms
Eagle Financial Services EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Eagle Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Eagle Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Eagle Financial Services's EV-to-FCF falls into.
Eagle Financial Services's current Enterprise Value is $141.81 Mil.
Eagle Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $23.17 Mil.
* 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 (EFSI) has a EV-to-FCF of 6.12 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Eagle Financial Services and its competitors. This is 10% below median its historical median of 6.81. According to the industry distribution chart, Eagle Financial Services ranks #576 out of 1196 companies in the Banks industry, placing it in the top 48.2%.
Is Eagle Financial Services' EV-to-FCF too high?
Eagle Financial Services' current EV-to-FCF of 6.12 is 10% below median its 10-year median of 6.81. The Banks industry median EV-to-FCF is 6.56. Eagle Financial Services' value of 6.12 is 6.6% below this industry median. Based on the distribution chart, Eagle Financial Services ranks #576 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Eagle Financial Services has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eagle Financial Services' EV-to-FCF compare to CMTV and FCAP?
According to the Banks industry distribution chart, Eagle Financial Services ranks #576 out of 1196 companies for EV-to-FCF. This puts Eagle Financial Services in the upper half of its industry. The industry median EV-to-FCF is 6.56. Eagle Financial Services' value of 6.12 is 6.6% below this benchmark. While the company's 10-year median is 6.81 vs. the industry median of 6.56, Eagle Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eagle Financial Services's current EV-to-FCF of 6.12 is 6.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Eagle Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eagle Financial Services's current EV-to-FCF is 6.12, which is 10% below median its own 10-year median of 6.81. 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 $28.42, compared to a current price of $40.96 — trading 44.1% above its estimated fair value. The current EV-to-FCF is 6.12, which is 10% below median its 10-year median of 6.81 and 6.6% below the Banks industry median of 6.56. Eagle Financial Services' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current EV-to-FCF is 6.12 as of Jun. 29, 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 $40.96 is trading 44.1% above its estimated GF Value™ of $28.42.
GuruFocus considers Eagle Financial Services to be Significantly Overvalued.
Key valuation signals for EFSI:
EV-to-FCF: 6.12 (10% below median its 10-year median of 6.81)
GF Value™: $28.42 vs. price of $40.96 (44.1% above fair value)
Industry Position: 6.6% below the Banks median (#576 of 1196)
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 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.
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