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EAGLE FINANCIAL SERVICES INC EFSI

Nasdaq · stock · State Commercial Banks · website · IPO 2001-07-05

EAGLE FINANCIAL SERVICES INC statistics & valuation

Market cap$223.3M
P / E27.2×
P / B1.2×
P / FCF9.2×
Net debt$69.6M
Enterprise value USD$292.9M
Graham number -16.8%$35.46

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($35.46); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.00% 9.30% 10.30% 10.10% 10.60% 10.00% 14.30% 8.60% 12.90% 4.30% 2016201720182019202020212022202320242025
Shares outstanding
3.5M 3.5M 3.5M 3.4M 3.4M 3.5M 3.5M 3.5M 3.6M 5.4M 2016201720182019202020212022202320242025
Net debt ($)
$69.6M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 1.00% 1.10% 1.10% 1.00% 0.80% 0.90% 0.50% 0.80% 0.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
6753.80% 432533.30% 2016201720182019202020212022202320242025
Debt / equity (×)
0.37× 2016201720182019202020212022202320242025
EPS ($)
$1.81 $2.24 $2.60 $2.84 $3.27 $3.20 $4.17 $2.66 $4.32 $1.59 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

EAGLE FINANCIAL SERVICES INC trades at about 26.8× earnings — above its 10-year norm (10-year range 8.4×–24.1×, median 11.3×).

8.4× 26.8×

Shaded band = 10-year range (8.4×–24.1×); dot = today's 26.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin484033.3%4669.9%
FCF margin432533.3%6753.8%
Return on assets0.4%0.8%0.5%0.9%0.8%1.0%1.1%1.1%1.0%0.9%
Return on equity4.3%12.9%8.6%14.3%10.0%10.6%10.1%10.3%9.3%8.0%
Debt / equity0.37×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.