EAGLE FINANCIAL SERVICES INC (EFSI)
State Commercial Banks · Financial Services · $226M
Intrinsic Value (Consensus)
$46.47
Current Price
$41.75
Margin of Safety
+11.3%
11.3% Below Intrinsic Value
Value: $46
Price: $42
Valuation Model Estimates
Current Price: $41.75
DCF (Discounted Cash Flow)
$210.96
Graham Number
$35.33
Earnings Power Value
$15.44
Relative Value (P/E)
$31.80
Dividend Discount Model
$103.33
Consensus Value
$46.47
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
61
Profitability
12/25
Strength
24/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (10.8%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.59
- EPS (Forward)
- $1.91
- Book Value
- $34.89
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 4.3%
- Debt/Equity
- 16%
- Revenue Growth
- -100.0%
- Earnings Growth
- 20.0%
- Dividend Yield
- 1.0%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance