Eagle Financial Services Inc (EFSI) Key Metrics
EFSI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $248.4M
- Enterprise value
- $139.7M
- P/E (TTM)
- 13.2 10-yr median 11.1
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.0 10-yr median 2.2
- Price / book
- 1.3 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 6.5
- Dividend yield
- 2.70% $1.24 a year
- Beta
- 0.20
EFSI key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsEFSI valuation Price multiples at each fiscal year-end price.
EFSI returns How much profit the business earns on the capital it uses.
EFSI per-share figures Results divided by the shares outstanding at year-end.
EFSI financial health Debt, liquidity and how easily interest is covered.
EFSI efficiency & capital use Working capital cycle and where the cash goes.
EFSI valuation history
EFSI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
EFSI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
EFSI cash returned to shareholders
EFSI price vs earnings per share
EFSI key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $213.7M | $129.4M | $105.7M | $125.2M | $119.2M | $100.8M | $106.8M | $107.3M | $111.2M | $90.6M |
| Enterprise value | $146.0M | $102.2M | $50.6M | $146.5M | −$137.0M | −$139.7M | −$89.2M | −$53.5M | −$53.9M | −$63.5M |
| P/E ratio | 26.0 | 8.4 | 11.3 | 8.6 | 10.8 | 9.0 | 10.9 | 11.9 | 14.3 | 14.2 |
| Price / sales | 2.0 | 1.2 | 1.1 | 1.9 | 2.3 | 2.2 | 2.6 | 2.9 | 3.2 | 2.9 |
| Price / book | 1.1 | 1.1 | 1.0 | 1.2 | 1.1 | 1.0 | 1.1 | 1.2 | 1.3 | 1.1 |
| Price / free cash flow | 8.1 | 7.3 | 18.2 | 9.6 | 7.5 | 9.6 | 10.6 | — | 12.4 | 9.6 |
| Price / operating cash flow | 7.7 | 6.9 | 15.4 | 9.1 | 7.2 | 9.2 | 9.4 | — | 11.9 | 9.3 |
| EV / sales | 1.4 | 1.0 | 0.5 | 2.2 | -2.6 | -3.0 | -2.1 | -1.4 | -1.6 | -2.0 |
| EV / EBITDA | 13.6 | 5.1 | 4.4 | 7.9 | — | — | — | — | — | — |
| EV / free cash flow | 5.5 | 5.8 | 8.7 | 11.3 | — | — | — | — | — | — |
| Earnings yield | 3.8% | 11.9% | 8.9% | 11.6% | 9.2% | 11.1% | 9.1% | 8.4% | 7.0% | 7.0% |
| Free cash flow yield | 12.4% | 13.7% | 5.5% | 10.4% | 13.4% | 10.5% | 9.4% | −1.8% | 8.1% | 10.4% |
| Dividend yield | 2.9% | 3.3% | 4.0% | 3.0% | 2.7% | 3.2% | 2.8% | 2.6% | 2.4% | 2.6% |
| Shareholder yield (dividends + buybacks) | 3.0% | 3.5% | 4.3% | 3.2% | 2.9% | 5.0% | 4.5% | 3.8% | 3.8% | 5.0% |
| Share price at fiscal year-end | $39.80 | $36.40 | $30.00 | $35.95 | $34.65 | $29.50 | $31.05 | $30.99 | $32.00 | $25.75 |
| Per share | ||||||||||
| Revenue per share | $19.47 | $29.80 | $27.22 | $19.16 | $15.31 | $13.64 | $12.07 | $10.70 | $9.88 | $8.94 |
| Earnings per share | $1.53 | $4.32 | $2.66 | $4.17 | $3.20 | $3.27 | $2.84 | $2.60 | $2.24 | $1.81 |
| Operating cash flow per share | $5.19 | $5.28 | $1.95 | $3.97 | $4.78 | $3.22 | $3.30 | −$0.44 | $2.69 | $2.76 |
| Free cash flow per share | $4.93 | $4.99 | $1.65 | $3.73 | $4.63 | $3.09 | $2.92 | −$0.56 | $2.59 | $2.68 |
| Cash per share | $25.57 | $49.72 | $70.81 | $62.04 | $74.46 | $71.59 | $58.05 | $46.98 | $47.54 | $43.87 |
| Book value per share | $35.17 | $33.48 | $30.76 | $29.21 | $32.06 | $30.75 | $28.01 | $25.30 | $24.11 | $22.57 |
| Tangible book value per share | $35.17 | $33.48 | $30.72 | $29.02 | $32.06 | $30.75 | $28.01 | $25.30 | $24.11 | $22.57 |
| Dividends per share | $1.14 | $1.21 | $1.20 | $1.09 | $0.95 | $0.94 | $0.87 | $0.80 | $0.76 | $0.67 |
| Capex per share | $0.26 | $0.29 | $0.30 | $0.24 | $0.15 | $0.13 | $0.38 | $0.12 | $0.11 | $0.07 |
| Debt per share | $12.96 | $42.07 | $55.18 | $68.16 | — | $1.20 | $1.07 | $0.54 | $0.03 | $0.08 |
| Shares outstanding | 5.4M | 3.6M | 3.5M | 3.5M | 3.4M | 3.4M | 3.4M | 3.5M | 3.5M | 3.5M |
| Change in shares outstanding | +51.1% | +0.9% | +1.2% | +1.2% | +0.7% | −0.6% | −0.7% | −0.4% | −1.2% | +0.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.3% | 13.5% | 8.9% | 13.7% | 10.2% | 11.1% | 10.6% | 10.5% | 9.5% | 8.1% |
| Return on invested capital (ROIC) | 7.7% | 21.1% | 10.6% | — | — | — | — | — | — | — |
| Return on assets (ROA) | 0.4% | 0.8% | 0.5% | 1.0% | 0.9% | 1.1% | 1.2% | 1.2% | 1.1% | 0.9% |
| Return on tangible assets | 0.4% | 0.8% | 0.5% | 0.9% | 0.8% | 1.0% | 1.1% | 1.1% | 1.0% | 0.9% |
| Free cash flow margin | 25.3% | 16.8% | 6.1% | 19.4% | 30.3% | 22.6% | 24.2% | −5.3% | 26.2% | 30.0% |
| Income quality (OCF / net income) | 3.39 | 1.22 | 0.73 | 0.95 | 1.49 | 0.99 | 1.16 | −0.17 | 1.20 | 1.52 |
| Financial health | ||||||||||
| Total debt | $69.6M | $149.5M | $194.4M | $237.4M | — | $4.1M | $3.7M | $1.9M | $115,000 | $272,000 |
| Cash & short-term investments | $137.3M | $176.7M | $249.5M | $216.1M | $256.2M | $244.7M | $199.6M | $162.7M | $165.2M | $154.4M |
| Net debt | −$67.7M | −$27.2M | −$55.1M | $21.3M | −$256.2M | −$240.5M | −$195.9M | −$160.8M | −$165.1M | −$154.1M |
| Debt / equity | 0.37 | 1.26 | 1.79 | 2.33 | — | 0.04 | 0.04 | 0.02 | 0.00 | 0.00 |
| Debt / assets | 0.04 | 0.08 | 0.11 | 0.15 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net debt / EBITDA | −6.32 | −1.37 | −4.73 | 1.14 | −18.59 | −16.78 | −15.21 | −14.30 | −13.36 | −15.32 |
| Current ratio | 0.09 | 0.11 | 0.16 | 0.17 | 0.22 | 0.24 | 0.26 | 0.23 | 0.25 | 0.26 |
| Quick ratio | 0.09 | 0.11 | 0.16 | 0.17 | 0.22 | 0.24 | 0.26 | 0.23 | 0.25 | 0.26 |
| Interest coverage | 0.3 | 0.5 | 0.3 | 3.2 | 7.6 | 4.1 | 2.7 | 4.1 | 9.9 | 8.4 |
| Working capital | −$1.47B | −$1.42B | −$1.28B | −$1.08B | −$921.1M | −$768.4M | −$571.9M | −$542.3M | −$498.2M | −$449.3M |
| Invested capital | $121.1M | $91.8M | $53.3M | $123.0M | −$145.9M | −$135.5M | −$99.6M | −$73.2M | −$81.3M | −$74.7M |
| Tangible asset value | $188.8M | $119.0M | $108.2M | $101.0M | $110.3M | $105.1M | $96.3M | $87.6M | $83.8M | $79.4M |
| Net current asset value | −$1.56B | −$1.57B | −$1.47B | −$1.30B | −$936.6M | −$780.4M | −$581.4M | −$549.4M | −$516.7M | −$466.2M |
| Graham number | $34.80 | $57.03 | $42.87 | $52.35 | $48.07 | $47.55 | $42.30 | $38.47 | $34.86 | $30.32 |
| Graham net-net per share | −$291.03 | −$441.90 | −$416.54 | −$372.99 | −$272.26 | −$228.27 | −$169.06 | −$158.67 | −$148.64 | −$132.47 |
| Capital allocation | ||||||||||
| Dividends paid | $6.1M | $4.3M | $4.2M | $3.8M | $3.3M | $3.2M | $3.0M | $2.8M | $2.7M | $2.4M |
| Share buybacks (net) | $348,000 | $237,000 | $302,000 | $154,000 | $149,000 | $1.9M | $1.8M | $1.3M | $1.6M | $2.1M |
| Dividend payout ratio | 74.4% | 28.0% | 45.2% | 26.2% | 29.6% | 28.6% | 30.7% | 30.8% | 34.1% | 37.0% |
| Dividends + buybacks / free cash flow | 24.4% | 25.6% | 78.1% | 30.5% | 21.4% | 47.9% | 47.5% | — | 46.8% | 47.6% |
| Capex / revenue | 1.3% | 1.0% | 1.1% | 1.3% | 1.0% | 1.0% | 3.2% | 1.2% | 1.1% | 0.8% |
| Capex / operating cash flow | 5.0% | 5.4% | 15.6% | 6.1% | 3.2% | 4.1% | 11.6% | — | 3.9% | 2.6% |
| Capex / depreciation | 1.80 | 1.04 | 1.07 | 0.86 | 0.52 | 0.44 | 1.00 | 0.47 | 0.39 | 0.23 |
| Stock-based compensation / revenue | 1.2% | 0.9% | 1.3% | 1.5% | 1.6% | 1.3% | 1.4% | 1.4% | 1.1% | 1.0% |
| SG&A / revenue | 26.2% | 31.7% | 35.9% | 42.4% | 45.6% | 46.1% | 43.2% | 44.6% | 46.6% | 48.4% |
| Efficiency | ||||||||||
| Days of inventory on hand | — | — | — | 5.4 | — | 30.4 | 10.8 | 11.8 | 165.9 | 196.4 |
| Days payables outstanding | — | — | — | 60,996.5 | 126,481.3 | 68,733.6 | 55,272.2 | 75,739.7 | 437,069.9 | 239,639.1 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | 67.62 | — | 11.99 | 33.69 | 31.06 | 2.20 | 1.86 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average payables | — | — | — | $1.22B | $1.10B | $892.2M | $737.2M | $683.1M | $633.5M | $577.1M |
| Average inventory | — | — | — | $108,000 | — | $395,000 | $144,500 | $106,000 | $240,500 | $473,000 |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from EFSI's annual financial statements (latest annual report filed March 16, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
EFSI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Eagle Financial Services traded at 26.0 times earnings, against a 10-year median of 11.1. Based on the latest twelve months, the trailing P/E is 13.2. Eagle Financial Services earned a return on equity of 5.3% and a return on invested capital of 7.7% in fiscal 2025. It ended the year with $69.6 million of debt and $137.3 million in cash and short-term investments, a net cash position of $67.7 million. It returned $6.5 million to shareholders: $6.1 million in dividends and $0.3 million in share buybacks, 24% of free cash flow. The share count rose 52.6% from 3.5M to 5.4M over 9 years.
See the EFSI income statement, the EFSI chart for price history, or the EFSI stock overview for the latest quote and news.
EFSI key metrics FAQ
What is Eagle Financial Services's P/E ratio?
Eagle Financial Services's trailing P/E ratio is 13.2 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 26.0, compared with a 10-year median of 11.1.
What is Eagle Financial Services's EV/EBITDA?
Eagle Financial Services's enterprise value was 13.6 times EBITDA at the end of fiscal 2025 (enterprise value $146.0 million, EBITDA $10.7 million).
What is Eagle Financial Services's return on equity?
Eagle Financial Services's return on equity (ROE) was 5.3% in fiscal 2025: net income of $8.2 million on average shareholders' equity of $153.9 million.
What is Eagle Financial Services's ROIC?
Eagle Financial Services's return on invested capital was 7.7% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Eagle Financial Services have?
Eagle Financial Services had total debt of $69.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.37 and more cash than debt.
What is Eagle Financial Services's dividend yield?
Eagle Financial Services's forward dividend yield is 2.70%. Eagle Financial Services paid $6.1 million in dividends in fiscal 2025 ($1.14 per share), a payout ratio of 74.4%.
Does Eagle Financial Services buy back its shares?
Yes. Eagle Financial Services spent $0.3 million on net share repurchases in fiscal 2025 Shares outstanding changed +51.1% over the year, to 5.4M..
What is Eagle Financial Services's free cash flow yield?
Eagle Financial Services generated $26.5 million of free cash flow in fiscal 2025, a free cash flow yield of 12.4% on its market value at year-end ($213.7 million).
What is Eagle Financial Services's current ratio?
Eagle Financial Services's current ratio was 0.09 at the end of fiscal 2025: current assets were 0.09 times current liabilities.