Eagle Financial Services, Inc. Logo

Eagle Financial Services, Inc.

EFSI

(2.8)
Stock Price

33,20 USD

0.58% ROA

9.75% ROE

10.9x PER

Market Cap.

113.618.560,00 USD

157.74% DER

3.75% Yield

11.19% NPM

Eagle Financial Services, Inc. Stock Analysis

Eagle Financial Services, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Eagle Financial Services, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROE

ROE in an average range (9.88%) suggests satisfactory profitability and decent utilization of shareholders' equity.

5 ROA

The stock's ROA (0.56%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.08x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (197) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (172%), making it financially unstable and potentially risky for investors.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Eagle Financial Services, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Eagle Financial Services, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Eagle Financial Services, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Eagle Financial Services, Inc. Revenue
Year Revenue Growth
2002 14.820.042
2003 17.095.929 13.31%
2004 19.659.821 13.04%
2005 22.087.000 10.99%
2006 22.951.000 3.76%
2007 23.462.000 2.18%
2008 23.536.000 0.31%
2009 25.286.000 6.92%
2010 27.758.000 8.91%
2011 28.351.000 2.09%
2012 28.781.000 1.49%
2013 29.298.000 1.76%
2014 28.846.000 -1.57%
2015 28.431.000 -1.46%
2016 30.195.000 5.84%
2017 33.173.000 8.98%
2018 34.506.000 3.86%
2019 37.253.000 7.37%
2020 43.335.000 14.03%
2021 50.983.000 15%
2022 61.359.000 16.91%
2023 64.916.000 5.48%
2023 97.866.000 33.67%
2024 104.216.000 6.09%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Eagle Financial Services, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Eagle Financial Services, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 5.295.123
2003 6.324.607 16.28%
2004 7.517.543 15.87%
2005 7.853.000 4.27%
2006 8.370.000 6.18%
2007 8.960.000 6.58%
2008 9.069.000 1.2%
2009 10.478.000 13.45%
2010 10.803.000 3.01%
2011 11.828.000 8.67%
2012 11.678.000 -1.28%
2013 12.764.000 8.51%
2014 12.962.000 1.53%
2015 13.695.000 5.35%
2016 14.143.000 3.17%
2017 15.249.000 7.25%
2018 15.771.000 3.31%
2019 17.036.000 7.43%
2020 20.775.000 18%
2021 25.152.000 17.4%
2022 26.344.000 4.52%
2023 32.372.000 18.62%
2023 33.442.000 3.2%
2024 30.816.000 -8.52%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Eagle Financial Services, Inc. EBITDA
Year EBITDA Growth
2002 10.413.324
2003 10.791.214 3.5%
2004 12.107.698 10.87%
2005 15.938.000 24.03%
2006 21.057.000 24.31%
2007 22.298.000 5.57%
2008 16.886.000 -32.05%
2009 12.192.000 -38.5%
2010 11.069.000 -10.15%
2011 11.432.000 3.18%
2012 13.450.000 15%
2013 13.084.000 -2.8%
2014 12.044.000 -8.64%
2015 11.718.000 -2.78%
2016 11.114.000 -5.43%
2017 13.712.000 18.95%
2018 13.956.000 1.75%
2019 12.526.000 -11.42%
2020 14.747.000 15.06%
2021 13.783.000 -6.99%
2022 25.054.000 44.99%
2023 11.104.000 -125.63%
2023 1.990.000 -457.99%
2024 -1.404.000 241.74%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Eagle Financial Services, Inc. Gross Profit
Year Gross Profit Growth
2002 14.820.042
2003 17.095.929 13.31%
2004 19.659.821 13.04%
2005 22.087.000 10.99%
2006 22.951.000 3.76%
2007 23.462.000 2.18%
2008 23.536.000 0.31%
2009 25.286.000 6.92%
2010 27.758.000 8.91%
2011 28.351.000 2.09%
2012 28.794.000 1.54%
2013 28.463.000 -1.16%
2014 28.855.000 1.36%
2015 28.406.000 -1.58%
2016 30.195.000 5.92%
2017 33.108.000 8.8%
2018 34.506.000 4.05%
2019 37.253.000 7.37%
2020 43.335.000 14.03%
2021 50.983.000 15%
2022 61.359.000 16.91%
2023 54.392.000 -12.81%
2023 97.847.000 44.41%
2024 97.588.000 -0.27%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Eagle Financial Services, Inc. Net Profit
Year Net Profit Growth
2002 3.543.901
2003 4.036.696 12.21%
2004 4.609.611 12.43%
2005 5.612.000 17.86%
2006 5.858.000 4.2%
2007 5.261.000 -11.35%
2008 4.055.000 -29.74%
2009 3.441.000 -17.84%
2010 3.605.000 4.55%
2011 4.322.000 16.59%
2012 6.550.000 34.02%
2013 7.158.000 8.49%
2014 7.140.000 -0.25%
2015 6.897.000 -3.52%
2016 6.370.000 -8.27%
2017 7.786.000 18.19%
2018 9.001.000 13.5%
2019 9.759.000 7.77%
2020 11.172.000 12.65%
2021 11.021.000 -1.37%
2022 14.521.000 24.1%
2023 9.276.000 -56.54%
2023 9.357.000 0.87%
2024 12.740.000 26.55%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Eagle Financial Services, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 1
2003 1 0%
2004 1 0%
2005 1 0%
2006 2 100%
2007 2 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 2 0%
2013 2 50%
2014 2 0%
2015 2 -100%
2016 2 0%
2017 2 50%
2018 3 0%
2019 3 0%
2020 3 33.33%
2021 3 0%
2022 4 25%
2023 3 -100%
2023 3 0%
2024 4 33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Eagle Financial Services, Inc. Free Cashflow
Year Free Cashflow Growth
2002 1.635.960
2003 -1.924.062 185.03%
2004 5.424.083 135.47%
2005 4.801.000 -12.98%
2006 6.030.000 20.38%
2007 5.380.000 -12.08%
2008 6.280.000 14.33%
2009 6.366.000 1.35%
2010 7.556.000 15.75%
2011 10.775.000 29.87%
2012 9.232.000 -16.71%
2013 6.727.000 -37.24%
2014 4.320.000 -55.72%
2015 4.289.000 -0.72%
2016 9.443.000 54.58%
2017 8.999.000 -4.93%
2018 -1.955.000 560.31%
2019 10.034.000 119.48%
2020 10.550.000 4.89%
2021 13.701.000 23%
2022 12.976.000 -5.59%
2023 2.614.000 -396.4%
2023 3.086.000 15.29%
2024 -2.013.000 253.3%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Eagle Financial Services, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 4.338.760
2003 4.368.446 0.68%
2004 6.472.192 32.5%
2005 6.867.000 5.75%
2006 7.077.000 2.97%
2007 7.262.000 2.55%
2008 6.280.000 -15.64%
2009 6.676.000 5.93%
2010 9.399.000 28.97%
2011 11.739.000 19.93%
2012 11.433.000 -2.68%
2013 8.219.000 -39.1%
2014 7.286.000 -12.81%
2015 7.164.000 -1.7%
2016 9.700.000 26.14%
2017 9.367.000 -3.56%
2018 -1.523.000 715.04%
2019 11.348.000 113.42%
2020 11.006.000 -3.11%
2021 14.221.000 22.61%
2022 13.814.000 -2.95%
2023 8.685.000 -59.06%
2023 3.086.000 -181.43%
2024 -1.592.000 293.84%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Eagle Financial Services, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 2.702.800
2003 6.292.508 57.05%
2004 1.048.109 -500.37%
2005 2.066.000 49.27%
2006 1.047.000 -97.33%
2007 1.882.000 44.37%
2008 0 0%
2009 310.000 100%
2010 1.843.000 83.18%
2011 964.000 -91.18%
2012 2.201.000 56.2%
2013 1.492.000 -47.52%
2014 2.966.000 49.7%
2015 2.875.000 -3.17%
2016 257.000 -1018.68%
2017 368.000 30.16%
2018 432.000 14.81%
2019 1.314.000 67.12%
2020 456.000 -188.16%
2021 520.000 12.31%
2022 838.000 37.95%
2023 6.071.000 86.2%
2023 0 0%
2024 421.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Eagle Financial Services, Inc. Equity
Year Equity Growth
2002 24.401.791
2003 28.366.137 13.98%
2004 31.969.143 11.27%
2005 35.995.000 11.18%
2006 40.937.000 12.07%
2007 45.178.000 9.39%
2008 46.829.000 3.53%
2009 51.643.000 9.32%
2010 53.829.000 4.06%
2011 58.090.000 7.34%
2012 63.706.000 8.82%
2013 66.406.000 4.07%
2014 73.132.000 9.2%
2015 78.221.000 6.51%
2016 79.416.000 1.5%
2017 83.817.000 5.25%
2018 87.599.000 4.32%
2019 96.326.000 9.06%
2020 105.074.000 8.33%
2021 110.280.000 4.72%
2022 101.729.000 -8.41%
2023 101.183.000 -0.54%
2023 108.379.000 6.64%
2024 111.115.000 2.46%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Eagle Financial Services, Inc. Assets
Year Assets Growth
2002 292.567.571
2003 352.009.712 16.89%
2004 413.810.695 14.93%
2005 466.971.000 11.38%
2006 512.996.000 8.97%
2007 507.551.000 -1.07%
2008 528.142.000 3.9%
2009 535.385.000 1.35%
2010 558.840.000 4.2%
2011 568.022.000 1.62%
2012 593.276.000 4.26%
2013 584.380.000 -1.52%
2014 626.830.000 6.77%
2015 651.654.000 3.81%
2016 700.149.000 6.93%
2017 765.750.000 8.57%
2018 799.617.000 4.24%
2019 877.320.000 8.86%
2020 1.130.152.000 22.37%
2021 1.303.038.000 13.27%
2022 1.616.717.000 19.4%
2023 1.801.470.000 10.26%
2023 1.825.597.000 1.32%
2024 1.790.405.000 -1.97%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Eagle Financial Services, Inc. Liabilities
Year Liabilities Growth
2002 268.165.780
2003 323.643.575 17.14%
2004 381.841.552 15.24%
2005 430.976.000 11.4%
2006 472.059.000 8.7%
2007 462.373.000 -2.09%
2008 481.313.000 3.94%
2009 483.742.000 0.5%
2010 505.011.000 4.21%
2011 509.932.000 0.97%
2012 529.570.000 3.71%
2013 517.974.000 -2.24%
2014 553.698.000 6.45%
2015 573.433.000 3.44%
2016 620.733.000 7.62%
2017 681.933.000 8.97%
2018 712.018.000 4.23%
2019 780.994.000 8.83%
2020 4.113.000 -18888.43%
2021 1.192.758.000 99.66%
2022 1.514.988.000 21.27%
2023 1.700.287.000 10.9%
2023 1.717.218.000 0.99%
2024 1.679.290.000 -2.26%

Eagle Financial Services, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.24
Net Income per Share
2.94
Price to Earning Ratio
10.9x
Price To Sales Ratio
1.22x
POCF Ratio
9.43
PFCF Ratio
17.49
Price to Book Ratio
1.02
EV to Sales
2.48
EV Over EBITDA
87.5
EV to Operating CashFlow
19.19
EV to FreeCashFlow
35.66
Earnings Yield
0.09
FreeCashFlow Yield
0.06
Market Cap
0,11 Bil.
Enterprise Value
0,23 Bil.
Graham Number
45.44
Graham NetNet
-418.51

Income Statement Metrics

Net Income per Share
2.94
Income Quality
1.16
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.88
EBT Per Ebit
0.37
Ebit per Revenue
0.34
Effective Tax Rate
0.12

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.87
Operating Profit Margin
0.34
Pretax Profit Margin
0.13
Net Profit Margin
0.11

Dividends

Dividend Yield
0.04
Dividend Yield %
3.75
Payout Ratio
0.41
Dividend Per Share
1.2

Operating Metrics

Operating Cashflow per Share
3.39
Free CashFlow per Share
1.83
Capex to Operating CashFlow
0.46
Capex to Revenue
0.06
Capex to Depreciation
3.56
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
1.57

Balance Sheet

Cash per Share
53,60
Book Value per Share
31,24
Tangible Book Value per Share
31.24
Shareholders Equity per Share
31.24
Interest Debt per Share
55.26
Debt to Equity
1.58
Debt to Assets
0.1
Net Debt to EBITDA
44.59
Current Ratio
0.13
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-1,55 Bil.
Invested Capital
-830503000
Working Capital
-0,85 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.54

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Eagle Financial Services, Inc. Dividends
Year Dividends Growth
2003 0
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Eagle Financial Services, Inc. Profile

About Eagle Financial Services, Inc.

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

CEO
Mr. Brandon Craig Lorey
Employee
244
Address
2 East Main Street
Berryville, 22611

Eagle Financial Services, Inc. Executives & BODs

Eagle Financial Services, Inc. Executives & BODs
# Name Age
1 Ms. Marianne Schmidt
Senior Vice President & Marketing Officer of Bank of Clarke
70
2 Mr. James S. George II
Executive Vice President & Chief Credit Officer of Bank of Clarke
70
3 Mr. Brandon Craig Lorey
President, Chief Executive Officer & Director
70
4 Ms. Kathleen S. Croson
Executive Vice President & Head of Community Banking of Bank of Clarke
70
5 Mr. Joseph T. Zmitrovich
President & Chief Banking Officer of Bank of Clarke
70
6 Ms. Kaley P. Crosen
Executive Vice President & Secretary
70
7 Ms. Debra L. Purrington J.D.
Executive Vice President & Chief Fiduciary Officer and Bank Counsel of Bank of Clarke
70
8 Mr. Todd A. Braithwaite
Executive Vice President & Chief Technology Officer of Bank of Clarke
70
9 Ms. Kathleen J. Chappell
Executive Vice President & Chief Financial Officer
70

Eagle Financial Services, Inc. Competitors