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Friday 6 November 2026
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Eagle Financial Services Inc.
EFSI Financial Banks Regional
Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024.
- Revenue
- +10.9%
- EPS
- −6.12%
- Free cash flow
- −435.7%
- Total debt
- −57.4%
Quarter to June 2026, against a year earlier
45.74
0.40
+0.88%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
30.62 | 8.43 | 11.28 | 8.62 | 10.83 | 9.02 | 10.93 | 11.92 | 14.29 | 14.09 |
Piotroski F-Score |
5 | 6 | 4 | 5 | 5 | 6 | 7 | 5 | 7 | 5 |
P/S ratio |
1.95 | 1.15 | 1.08 | 1.84 | 2.21 | 2.12 | 2.47 | 2.77 | 3.16 | 2.77 |
P/FCF ratio |
7.99 | 5.07 | 18.09 | 9.62 | 7.48 | 9.50 | 10.34 | 0.00 | 12.33 | 9.50 |
P/Operating CF |
22.46 | 20.48 | (17.58) | 14.39 | 17.89 | 28.84 | 34.88 | 30.26 | 8.36 | 25.18 |
P/B ratio |
1.09 | 1.09 | 0.98 | 1.23 | 1.08 | 0.96 | 1.11 | 1.23 | 1.32 | 1.13 |
Price to Tangible BV |
1.09 | 1.09 | 0.98 | 1.23 | 1.08 | 0.96 | 1.11 | 1.23 | 1.32 | 1.13 |
EV/Sales |
0.55 | 0.76 | 1.65 | 3.86 | 1.21 | 0.65 | 1.92 | 2.81 | 2.71 | 2.29 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
2.27 | 4.57 | 23.53 | 19.02 | 3.96 | 2.81 | 7.32 | (71.65) | 10.16 | 7.68 |
EV/FCF |
2.27 | 3.36 | 27.69 | 20.19 | 4.09 | 2.91 | 8.05 | (55.93) | 10.57 | 7.88 |
Quick Ratio |
0.14 | 0.12 | 0.09 | 0.05 | 0.05 | 0.08 | 0.04 | 0.03 | 0.05 | 0.06 |
Current Ratio |
1.05 | 1.05 | 1.05 | 1.06 | 0.89 | 0.90 | 0.87 | 0.88 | 0.90 | 0.91 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.68% | 8.01% | 10.65% | 12.64% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.37 | 1.26 | 1.79 | 2.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
3.14 | 1.22 | 0.73 | 0.95 | 1.49 | 0.99 | 1.16 | (0.17) | 1.20 | 1.52 |
Capex/Depreciation |
0.11 | 3.62 | (0.43) | (0.32) | (0.18) | (0.18) | (0.57) | (0.27) | (0.23) | (0.17) |
| 5.34% | 13.50% | 8.91% | 13.70% | 10.24% | 11.09% | 10.61% | 10.50% | 9.54% | 8.08% | |
| 0.44% | 0.83% | 0.54% | 0.99% | 0.91% | 1.11% | 1.16% | 1.15% | 1.06% | 0.94% | |
ROIC |
15.05% | 15.68% | 4.04% | 4.62% | 17.29% | 33.07% | 11.54% | 9.31% | 14.87% | 12.64% |
Return on Tangible Assets |
9.41% | 17.63% | 9.36% | 14.43% | (9.41%) | (13.11%) | (12.38%) | (13.60%) | (17.87%) | (17.70%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
56.26% | 47.74% | 55.59% | 65.98% | 73.21% | 65.07% | 63.42% | 66.93% | 64.23% | 69.22% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.15% | 0.81% | 1.24% | 1.49% | 1.57% | 1.27% | 1.30% | 1.33% | 1.09% | 0.97% |
Graham Net Nets |
(0.10) | (0.77) | (1.22) | (1.08) | (1.27) | (1.15) | (1.01) | (0.86) | (0.74) | (0.81) |
Graham Number |
32.66 | 57.05 | 42.91 | 52.35 | 48.04 | 47.56 | 42.31 | 38.44 | 34.90 | 30.32 |
Earnings Yield |
3.27% | 11.87% | 8.87% | 11.60% | 9.24% | 11.08% | 9.15% | 8.39% | 7.00% | 7.10% |
Free Cash Flow Yield |
12.52% | 19.73% | 5.53% | 10.39% | 13.37% | 10.53% | 9.67% | (1.82%) | 8.11% | 10.53% |
Revenue per Share |
20.45 | 31.76 | 27.78 | 19.54 | 15.70 | 13.90 | 12.57 | 11.19 | 10.13 | 9.22 |
Operating CF per Share |
4.97 | 5.28 | 1.95 | 3.97 | 4.78 | 3.22 | 3.30 | (0.44) | 2.70 | 2.76 |
Capex per Share |
0.01 | 1.90 | (0.29) | (0.23) | (0.15) | (0.11) | (0.30) | (0.12) | (0.11) | (0.07) |
Free Cash Flow per Share |
4.98 | 7.18 | 1.66 | 3.74 | 4.63 | 3.11 | 3.00 | (0.56) | 2.60 | 2.68 |
Cash per Share |
41.94 | 54.35 | 39.27 | 19.21 | 18.62 | 23.39 | 9.79 | 5.29 | 10.34 | 10.03 |
Shareholders Equity per Share |
36.47 | 33.48 | 30.76 | 29.21 | 32.06 | 30.75 | 28.01 | 25.26 | 24.17 | 22.57 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
36.47 | 33.48 | 30.76 | 29.21 | 32.06 | 30.75 | 28.01 | 25.26 | 24.17 | 22.57 |
Free Cash Flow |
25.81 | 25.53 | 5.84 | 13.01 | 15.94 | 10.61 | 10.33 | (1.95) | 9.00 | 9.45 |
Working Capital |
72.38 | 72.69 | 81.89 | 82.56 | (135.36) | (103.94) | (98.10) | (85.25) | (63.16) | (56.16) |
Capital Expenditures |
0.06 | 6.77 | (1.03) | (0.80) | (0.52) | (0.39) | (1.02) | (0.43) | (0.36) | (0.25) |
Net Current Asset Value |
(20.05) | (99.39) | (129.01) | (135.38) | (150.88) | (115.92) | (107.55) | (92.29) | (81.68) | (73.01) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | (0.06) | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
20.77 | 6.92 | 9.94 | 7.07 | 9.32 | 7.58 | 9.23 | 10.42 | 9.72 | 10.06 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.03 | 0.13 | 0.13 | 0.14 | 0.16 | 0.12 | 0.09 | 0.08 | 0.08 | 0.07 |
Cash ROIC |
5.43% | 5.53% | 1.32% | 3.49% | 9.14% | 5.74% | 7.95% | (1.84%) | 7.52% | 8.24% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.03 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
16,121.74 | 14,339.60 | 16,743.54 | 84,302.46 | 256,225.86 | 112,703.68 | 66,433.96 | 102,040.94 | 209,831.98 | 206,574.61 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,591.26 | 1,540.74 | 1,385.20 | 1,220.66 | 1,095.17 | 892.32 | 737.32 | 683.26 | 633.65 | 577.30 |
Average Assets |
1,877.42 | 1,845.91 | 1,721.16 | 1,459.88 | 1,216.60 | 1,003.74 | 838.47 | 782.68 | 732.95 | 676.71 |
Average Common Equity |
153.91 | 113.68 | 105.05 | 106.00 | 107.68 | 100.70 | 91.96 | 85.71 | 81.62 | 78.82 |
Columns are period end dates