$EFSI Market Cap: $169.4 Million
Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue
$91.34M
TTM
Gross Margin
Net Earnings
$15.34M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
$1.866B
Q4 2024
Total Liabilities
$1.747B
Q4 2024
Book Value
$119.0M
Q4 2024
Cash
$193.2M
Q4 2024
P/E
11.04
Nov 27, 2024 EST
Free Cash Flow
$11.70M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $91.32M $0.00 $3.000K $236.0K $38.91M $35.45M $31.92M $28.35M $25.79M $24.49M $24.85M $25.04M $26.57M $27.57M
YoY Change -100.0% -98.73% -99.39% 9.74% 11.06% 12.6% 9.95% 5.27% -1.44% -0.74% -5.76% -3.65%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $91.32M $0.00 $3.000K $236.0K $38.91M $35.45M $31.92M $28.35M $25.79M $24.49M $24.85M $25.04M $26.57M $27.57M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operating Profits/Loss YoY Change

No data

Operating Earnings to Gross Profit Ratio

No data

Operating Profit Margin

No data

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $979.0K $1.990M $979.0K $996.0K $1.028M $957.0K $925.0K $946.0K $932.0K $843.0K $772.0K $803.0K $821.0K $843.0K $920.0K $950.0K $960.0K $1.030M $1.000M
YoY Change -50.8% 103.27% -1.71% -3.11% 7.42% 3.46% -2.22% 1.5% 10.56% 9.2% -3.86% -2.19% -2.61% -8.37% -3.16% -1.04% -6.8% 3.0% 6.38%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Operating Profit To Gross Profit
Operating Profit To Revenue

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $32.84M $5.473M $1.677M $3.281M $4.239M $2.515M $1.154M $1.067M $1.347M $1.912M $2.585M $3.384M $4.805M
YoY Change 499.98% 226.36% -48.89% -22.6% 68.55% 117.94% 8.15% -20.79% -29.55% -26.03% -23.61% -29.57%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $18.90M $10.63M $17.67M $12.79M $13.31M $11.57M $10.32M $11.41M $8.923M $9.330M $9.208M $9.546M $9.109M $5.693M $4.620M $4.460M $5.410M $7.360M $8.350M
YoY Change 77.76% -39.83% 38.2% -3.91% 15.03% 12.16% -9.61% 27.89% -4.36% 1.32% -3.54% 4.8% 60.0% 23.23% 3.59% -17.56% -26.49% -11.86% 4.11%
Income Tax $3.558M $1.276M $3.150M $1.766M $2.136M $1.810M $1.314M $3.626M $2.553M $2.433M $2.068M $2.388M $2.559M $1.371M $1.020M $1.020M $1.360M $2.100M $2.490M
% Of Pretax Income 18.82% 12.0% 17.83% 13.81% 16.05% 15.65% 12.74% 31.77% 28.61% 26.08% 22.46% 25.02% 28.09% 24.08% 22.08% 22.87% 25.14% 28.53% 29.82%
Net Earnings $15.34M $9.357M $14.52M $11.02M $11.17M $9.759M $9.001M $7.786M $6.370M $6.897M $7.140M $7.158M $6.550M $4.322M $3.610M $3.440M $4.060M $5.260M $5.860M
YoY Change 63.97% -35.56% 31.76% -1.35% 14.48% 8.42% 15.6% 22.23% -7.64% -3.4% -0.25% 9.28% 51.55% 19.72% 4.94% -15.27% -22.81% -10.24% 4.46%
Net Earnings / Revenue 16.8% 484033.33% 4669.92% 28.71% 27.53% 28.2% 27.46% 24.7% 28.16% 28.73% 28.59% 24.66% 15.68%
Basic Earnings Per Share $4.32 $2.66 $4.17 $3.20 $3.27 $2.84 $2.60 $2.24 $1.81 $1.97 $2.08 $2.11 $1.97 $1.31
Diluted Earnings Per Share $4.32 $2.66 $4.17 $3.20 $3.27 $2.84 $2.60 $2.24 $1.81 $1.97 $2.08 $2.11 $1.96 $1.31 $1.111M $1.082M $1.293M $1.691M $1.896M

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $14.34M $18.11M $18.06M $23.50M $22.80M $19.30M $19.10M $19.60M $20.20M $21.00M $19.00M $17.20M $16.50M $15.20M $15.70M $14.80M $15.40M $16.50M $15.40M
YoY Change -20.81% 0.24% -23.13% 3.07% 18.13% 1.05% -2.55% -2.97% -3.81% 10.53% 10.47% 4.24% 8.55% -3.18% 6.08% -3.9% -6.67% 7.14%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $1.866B $1.826B $1.617B $1.303B $1.130B $877.3M $799.6M $765.8M $700.1M $653.3M $630.2M $586.4M $593.3M $568.0M $558.8M $535.4M $528.1M $507.6M $513.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.653M $4.978M $5.100M $4.000M
YoY Change -6.53% -2.39% 27.5%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $32.98M $0.00 $1.900M $0.00 $10.00M $10.00M $14.40M $14.00M $14.70M $13.00M $5.400M
YoY Change -100.0% -100.0% -100.0% 0.0% -30.56% 2.86% -4.76% 13.08% 140.74%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $4.653M $4.978M $5.100M $4.000M $1.900M $10.00M $10.00M $14.40M $14.00M $14.70M $13.00M $5.400M
YoY Change -6.53% -2.39% 27.5% 0.0% -30.56% 2.86% -4.76% 13.08% 140.74%
Long-Term Debt $29.51M $29.44M $29.38M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.200M $7.200M $7.200M $7.200M $7.200M $7.200M $7.200M $7.200M $7.200M
YoY Change 0.23% 0.23% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Other Long-Term Liabilities $22.56M $16.45M $13.56M $10.40M $8.000M $9.500M $7.000M $18.50M $16.90M $4.300M $6.000M $3.000M $3.000M $2.000M $1.900M $2.200M $2.900M $2.600M $2.000M
YoY Change 37.13% 21.36% 30.35% 30.0% -15.79% 35.71% -62.16% 9.47% 293.02% -28.33% 100.0% 0.0% 50.0% 5.26% -13.64% -24.14% 11.54% 30.0%
Total Long-Term Liabilities $52.07M $45.90M $42.93M $10.40M $8.000M $9.500M $7.000M $18.50M $16.90M $4.300M $13.20M $10.20M $10.20M $9.200M $9.100M $9.400M $10.10M $9.800M $9.200M
YoY Change 13.46% 6.9% 312.82% 30.0% -15.79% 35.71% -62.16% 9.47% 293.02% -67.42% 29.41% 0.0% 10.87% 1.1% -3.19% -6.93% 3.06% 6.52%
Total Liabilities $1.747B $1.717B $1.515B $1.193B $1.025B $781.0M $712.0M $681.9M $620.7M $575.1M $557.0M $520.0M $529.6M $509.9M $505.0M $483.7M $481.3M $462.4M $472.1M
YoY Change 1.75% 13.35% 27.01% 16.36% 31.25% 9.69% 4.41% 9.86% 7.93% 3.25% 7.12% -1.81% 3.86% 0.97% 4.4% 0.5% 4.09% -2.05%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Basic Shares Outstanding 3.554M 3.524M 3.482M 3.440M 3.418M 3.438M 3.468M shares 3.468M shares 3.519M shares 3.495M shares 3.438M shares 3.386M shares 3.333M shares 3.292M shares
Diluted Shares Outstanding 3.554M 3.524M 3.482M 3.440M 3.418M 3.438M 3.468M shares 3.468M shares 3.519M shares 3.495M shares 3.439M shares 3.387M shares 3.343M shares 3.300M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $169.43 Million

About Eagle Financial Services Inc

Eagle Financial Services, Inc. operates as a bank holding company, which engages in the provision of retail and commercial banking services, demand, savings and time deposits and consumer, mortgage and commercial loans. The company is headquartered in Berryville, Virginia and currently employs 357 full-time employees. The company went IPO on 2001-07-05. The Bank offers a range of retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. The firm operates in three reportable business segments through the Bank: community banking, marine lending and wealth management. The Bank has over 13 full-service branches, two loan production offices, and one drive-through-only facility. The Bank has over 13 automated teller machine (ATM) locations in its trade area, and issues debit cards to deposit customers. The Bank offers telephone banking, Internet banking, and mobile banking to its customers. The Bank offers other commercial deposit account services, such as automated clearing house origination and remote deposit capture. The Bank has Virginia offices located in Clarke County, Frederick County, Fauquier County, Loudoun County, Fairfax County and other locations.

Industry: State Commercial Banks Peers: BankFinancial Corp Citizens Community Bancorp Inc COMMUNITY WEST BANCSHARES / FIRST COMMUNITY CORP /SC/ First Keystone Corp Landmark Bancorp Inc Pathfinder Bancorp Inc (MARYLAND) PNC Financial Services Group Inc