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Eagle Financial ServicesEFSI +0.56%63 ROE % is 10.37% as of Jun. 2026, which is at its 10-year median of 10.37. 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 1,523 Banks companies, Eagle Financial Services ranks worse than 53.12% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Eagle Financial Services's ROE % distribution charts can be found below:
* The bar in red indicates where Eagle Financial Services's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Eagle Financial Services (EFSI) has a ROE % of 10.37% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Eagle Financial Services and its competitors. This is near median its historical median of 10.37. Over the past decade, Eagle Financial Services' ROE % has ranged from 5.34 to 13.70. According to the industry distribution chart, Eagle Financial Services ranks #809 out of 1523 companies in the Banks industry, placing it in the top 53.1%.
Is Eagle Financial Services' ROE % too high?
Eagle Financial Services' current ROE % of 10.37% is near median its 10-year median of 10.37. Over the past 10 years, this metric has ranged from a low of 5.34 to a high of 13.70. The Banks industry median ROE % is 10.33. Eagle Financial Services' value of 10.37% is 0.4% above this industry median. Based on the distribution chart, Eagle Financial Services ranks #809 out of 1523 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' ROE % compare to CFBK and QNBC?
According to the Banks industry distribution chart, Eagle Financial Services ranks #809 out of 1523 companies for ROE %. This places Eagle Financial Services in the lower half of its industry. The industry median ROE % is 10.33. Eagle Financial Services' value of 10.37% is 0.4% above this benchmark. Historically, Eagle Financial Services' own ROE % has ranged from 5.34 to 13.70 over the past decade. While the company's 10-year median is 10.37 vs. the industry median of 10.33, Eagle Financial Services has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.33, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eagle Financial Services's current ROE % of 10.37% is 0.4% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Eagle Financial Services and its competitors. For the Banks industry, the median ROE % is 10.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eagle Financial Services's current ROE % is 10.37%, which is near median its own 10-year median of 10.37. 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 $43.66 — trading 42.8% above its estimated fair value. The current ROE % is 10.37%, which is near median its 10-year median of 10.37 and 0.4% above the Banks industry median of 10.33. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current ROE % is 10.37% 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 $43.66 is trading 42.8% above its estimated GF Value™ of $30.57.
GuruFocus considers Eagle Financial Services to be Significantly Overvalued.
Key valuation signals for EFSI:
ROE %: 10.37% (near median its 10-year median of 10.37)
GF Value™: $30.57 vs. price of $43.66 (42.8% above fair value)
Industry Position: 0.4% above the Banks median (#809 of 1523)
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
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