EFSI
Eagle Financial Services, Inc.
EFSI's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 11x. Analysts expect earnings to hold roughly steady.
EFSI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EFSI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EFSI.
EFSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $29.71 | -35% |
| Fair | 10x | $34.48 | -25% |
| Expensive | 13x | $42.55 | -7.5% |
| Forward | 13x | $46.00 | — |
| Current | 14x | $46.00 | — |
Historical ranges are pointers, not guarantees.
EFSI's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 13x.
EFSI Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect EFSI's revenue to grow, but its profitability to weaken.
EFSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.42 | +3.8% |
| Q3 2026 | $3.30 | +48% |
| Q2 2026 | $3.46 | +60% |
| Q1 2026 | $3.52 | +70% |
| Q4 2025 | $1.30 | -70% |
| Q3 2025 | $2.23 | -32% |
| Q2 2025 | $2.16 | -27% |
| Q1 2025 | $2.07 | -22% |
| Q4 2024 | $4.32 | +62% |
EFSI earned $3.30 per share over the past year, up 48% from the year before.
EFSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.9M | +2.5% |
| Q2 2026 | $25.6M | +24% |
| Q1 2026 | $20.8M | +336% |
| Q4 2025 | $21.7M | -1.3% |
| Q3 2025 | $22.4M | +21% |
| Q2 2025 | $20.6M | +25% |
| Q1 2025 | $4.8M | -70% |
| Q4 2024 | $22M | +38% |
EFSI's revenue has picked up after two years of holding roughly level: $23M last quarter, up 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | -5.8 points |
| Q2 2026 | 26% | -6.2 points |
| Q1 2026 | 22% | +211 points |
| Q4 2025 | 25% | -12 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 32% | +8.9 points |
| Q1 2025 | -189% | -208 points |
| Q4 2024 | 37% | +23 points |
EFSI's operating margin was 25% last quarter, down 5.8 points from the same quarter a year ago.
EFSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.4M | +225% |
| Q2 2026 | -$12.8M | -656% |
| Q1 2026 | $4.1M | -22% |
| Q4 2025 | $9M | +48% |
| Q3 2025 | $7.8M | +7.5% |
| Q2 2025 | $2.3M | +$4.5M |
| Q1 2025 | $5.3M | -21% |
| Q4 2024 | $6M | +$12M |
EFSI's free cash flow was $26M over the past year, up 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like EFSI.
EFSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -384 shares |
| 1 year | +0.7% | +35.3K shares |
| 3 years | +53% | +1.9M shares |
| 5 years | +58% | +2M shares |
| Available history | +57% | +2M shares |
EFSI has 5M diluted shares, up 0.7% from a year ago.
EFSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.6x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | 0.8x | Very low |
EFSI's net debt is less than a year of its operating earnings (EBITDA), down from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EFSI.
EFSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.9 | Neutral |
| Stochastic | 70.7 | Neutral |
EFSI's weekly RSI is 63 (neutral) and its Stochastic is 71 (neutral).
EFSI PE vs Financial Services Sector
| Metric | EFSI | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.1% above |
| PE % | 86 | 63 | 23 pts above |
EFSI is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
EFSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 0.3% above |
| 20 week MA | $43.7 | 5.2% above |
| 50 week MA | $40.5 | 14% above |
| 100 week MA | $37.3 | 23% above |
| 200 week MA | $34.7 | 33% above |
EFSI is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.
EFSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.1 | $29.5 | -5% |
| 2021 | $29.5 | $34.6 | +17% |
| 2022 | $34.6 | $36.0 | +4.1% |
| 2023 | $36.0 | $30.0 | -17% |
| 2024 | $30.0 | $36.4 | +21% |
| 2025 | $36.4 | $40.3 | +11% |
| 2026 YTD | $40.3 | $46.0 | +14% |
EFSI has finished higher in four of the last six years. It's up 14% so far in 2026.