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EFSI EAGLE FINANCIAL SERVICES INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-10, not restated
Financials

Scale

Market cap
$226m
Revenue TTM
$90m
Net income TTM
$19m
Free cash flow
$8m
Composite score
54.9
Sector rank
#2815

Valuation

P / E
12.1
EV / EBITDA
EV / sales
2.8
FCF yield
3.58%
Earnings yield vs 10-yr
3.52pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
20.8%
EBITDA margin
ROE
9.6%
ROIC
Revenue growth
37.2%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The Company's net income decreased during the three months ended June 30, 2026, compared to the three months ended June 30, 2025 primarily due to a higher provision for credit losses and increased noninterest expenses, mostly offset by an increase in noninterest income and improved net interest income. During the six months ended June 30, 2026 the Company's net income increased compared to the six months ended June 30, 2025 primarily due to loss on the sale of available for sale securities totaling $12.4 million, or $9.8 million, net of tax, recognized during the prior year period. …EAGLE FINANCIAL SERVICES INC, 10-Q, period ended 2026-06-30, filed 2026-08-10

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