Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Eagle Financial ServicesEFSI +1.21%63 Net Margin % is 20.03% as of Jun. 2026, which is 15% below its 10-year median of 23.58. 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. Among 1,525 Banks companies, Eagle Financial Services ranks worse than 67.54% on this metric.
Eagle Financial Services (NAS:EFSI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Eagle Financial Services Net Margin % Related Terms
Eagle Financial Services Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Eagle Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Eagle Financial Services's Net Margin % falls into.
* 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 Net Margin % of 20.03% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Eagle Financial Services and its competitors. This is 15% below median its historical median of 23.58. Over the past decade, Eagle Financial Services' Net Margin % has ranged from 12.36 to 26.20. According to the industry distribution chart, Eagle Financial Services ranks #1030 out of 1525 companies in the Banks industry, placing it in the top 67.5%.
Is Eagle Financial Services' Net Margin % too high?
Eagle Financial Services' current Net Margin % of 20.03% is 15% below median its 10-year median of 23.58. Over the past 10 years, this metric has ranged from a low of 12.36 to a high of 26.20. The Banks industry median Net Margin % is 27.19. Eagle Financial Services' value of 20.03% is 26.3% below this industry median. Based on the distribution chart, Eagle Financial Services ranks #1030 out of 1525 companies in the Banks industry, which is below the industry midpoint. 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' Net Margin % compare to CFBK and QNBC?
According to the Banks industry distribution chart, Eagle Financial Services ranks #1030 out of 1525 companies for Net Margin %. This places Eagle Financial Services in the lower half of its industry. The industry median Net Margin % is 27.19. Eagle Financial Services' value of 20.03% is 26.3% below this benchmark. Historically, Eagle Financial Services' own Net Margin % has ranged from 12.36 to 26.20 over the past decade. While the company's 10-year median is 23.58 vs. the industry median of 27.19, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.19, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eagle Financial Services's current Net Margin % of 20.03% is 26.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Eagle Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eagle Financial Services's current Net Margin % is 20.03%, which is 15% below median its own 10-year median of 23.58. 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 $43.94 — trading 43.7% above its estimated fair value. The current Net Margin % is 20.03%, which is 15% below median its 10-year median of 23.58 and 26.3% below the Banks industry median of 27.19. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current Net Margin % is 20.03% 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 $43.94 is trading 43.7% above its estimated GF Value™ of $30.57.
GuruFocus considers Eagle Financial Services to be Significantly Overvalued.
Key valuation signals for EFSI:
Net Margin %: 20.03% (15% below median its 10-year median of 23.58)
GF Value™: $30.57 vs. price of $43.94 (43.7% above fair value)
Industry Position: 26.3% below the Banks median (#1030 of 1525)
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.
63GF Score
Get the complete analysis for EFSI
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EFSI has been successfully added to your 
