Eagle Financial Services Inc - Understand $efsi stock

$EFSI Market Cap: $120.3 Million

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Financial Snapshot

Revenue

$89.36M

TTM

Gross Margin

Net Earnings

$11.55M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.882B

Q3 2024

Total Liabilities

$1.764B

Q3 2024

Book Value

$117.8M

Q3 2024

Cash

$181.2M

Q3 2024

P/E

10.41

Nov 12, 2024 EST

Free Cash Flow

-$1.538M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$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

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$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

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	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	$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	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

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
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	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$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	-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	$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	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	$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	-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		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	$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	$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

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

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

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	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	$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	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	$1.826B	$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	$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	$29.44M	$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%								-100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$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	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	$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	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	$1.717B	$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	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

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	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	3.524M	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

Stock Price

Market Cap: $120.26 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 (South Carolina) First Keystone Corp Landmark Bancorp Inc Pathfinder Bancorp, Inc. PNC Financial Services Group Inc