OTCPK:EFSI

Stock Analysis Report

Eagle Financial Services

Executive Summary

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking services in the Shenandoah Valley and Northern Virginia.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • Eagle Financial Services is not covered by any analysts.

Similar Companies

Share Price & News

How has Eagle Financial Services's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.2%

OTCPK:EFSI

3.3%

US Banks

2.1%

US Market


1 Year Return

-16.2%

OTCPK:EFSI

-13.8%

US Banks

-0.04%

US Market

EFSI underperformed the Banks industry which returned -13.8% over the past year.

EFSI underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

EFSIIndustryMarket
7 Day-0.2%3.3%2.1%
30 Day2.5%-7.0%-3.2%
90 Day-3.7%-2.3%2.8%
1 Year-13.6%-16.2%-11.3%-13.8%2.2%-0.04%
3 Year44.6%31.9%42.5%32.7%41.5%32.3%
5 Year53.8%31.1%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Eagle Financial Services's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Eagle Financial Services undervalued based on future cash flows and its price relative to the stock market?

9%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Eagle Financial Services's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Eagle Financial Services's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Eagle Financial Services is overvalued based on earnings compared to the US Banks industry average.

Eagle Financial Services is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Eagle Financial Services, we can't assess if its growth is good value.


Price Based on Value of Assets

Eagle Financial Services is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Eagle Financial Services expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Eagle Financial Services is high growth as no revenue estimate data is available.

Eagle Financial Services's earnings are expected to grow by 5.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Eagle Financial Services's revenue growth to the United States of America market average as no estimate data is available.

Eagle Financial Services's earnings growth is positive but not above the United States of America market average.

Eagle Financial Services's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Eagle Financial Services will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Eagle Financial Services performed over the past 5 years?

6.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Eagle Financial Services's year on year earnings growth rate has been positive over the past 5 years.

Eagle Financial Services's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Eagle Financial Services's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Eagle Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Eagle Financial Services used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Eagle Financial Services improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Eagle Financial Services's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Eagle Financial Services has an acceptable proportion of non-loan assets held.

Eagle Financial Services has a sufficient allowance for bad loans.

Eagle Financial Services's liabilities are made up of primarily low risk sources of funding.

Eagle Financial Services's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Eagle Financial Services are broadly funded by customer deposits.

Eagle Financial Services has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Eagle Financial Services's current dividend yield, its reliability and sustainability?

3.23%

Current Dividend Yield


Dividend Yield and Payments Analysis

Eagle Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Eagle Financial Services's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (2.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Eagle Financial Services's salary, the management and board of directors tenure and is there insider trading?

10.6yrs

Average management tenure


CEO

Brandon Lorey (50yo)

0.1yrs

Tenure

0

Mr. Brandon Craig Lorey has been the President and Chief Executive Officer of Eagle Financial Services, Inc and its subsidiary bank, Bank of Clarke County since July 8, 2019. Mr. Lorey has been a Director  ...


Management Age and Tenure

10.6yrs

Average Tenure

51yo

Average Age

The average tenure for the Eagle Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

21.1yrs

Average Tenure

66yo

Average Age

The average tenure for the Eagle Financial Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by Eagle Financial Services individual insiders in the past 3 months.


Recent Insider Transactions

BuyUS$29,77116 Aug 19
James Wilkins
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares993
Max PriceUS$30.00
BuyUS$29,90014 Aug 19
James Wilkins
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares1,000
Max PriceUS$29.90
BuyUS$3,00006 Aug 19
James Wilkins
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares100
Max PriceUS$30.00
BuyUS$21,23831 Jul 19
Brandon Lorey
EntityIndividual
Role
Chief Executive Officer
President
Shares700
Max PriceUS$30.34
BuyUS$24,95623 Jul 19
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares825
Max PriceUS$30.25
BuyUS$7,96331 May 19
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares250
Max PriceUS$31.85
BuyUS$14,97616 May 19
Cary Claytor
EntityIndividual
Shares468
Max PriceUS$32.00
BuyUS$7,78822 Apr 19
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares250
Max PriceUS$31.15
SellUS$24,93818 Mar 19
Kathleen Chappell
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares750
Max PriceUS$33.25
BuyUS$5,85905 Mar 19
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares175
Max PriceUS$33.48
BuyUS$3,45104 Mar 19
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares103
Max PriceUS$33.50
SellUS$47,62506 Feb 19
Kaley Crosen
EntityIndividual
Shares1,500
Max PriceUS$31.75
BuyUS$15,75005 Feb 19
Douglas Rinker
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares500
Max PriceUS$31.50
SellUS$15,75005 Feb 19
Kathleen Chappell
EntityIndividual
Role
Chief Financial Officer
Senior VP & CFO
Shares500
Max PriceUS$31.50
BuyUS$16,62529 Oct 18
John Milleson
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$33.25
BuyUS$5,55028 Aug 18
James Wilkins
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares150
Max PriceUS$37.00

Ownership Breakdown


Management Team

  • Jim McCarty (49yo)

    Executive VP

    • Tenure: 0.0yrs
    • Compensation: US$380.63k
  • John Hudson (61yo)

    Senior Vice President of Bank of Clarke County and Marketing Director of Bank of Clarke County

    • Tenure: 25.6yrs
    • Compensation: US$133.86k
  • Kate Chappell (52yo)

    Senior VP & CFO

    • Tenure: 10.6yrs
    • Compensation: US$295.80k
  • Brandon Lorey (50yo)

    President

    • Tenure: 0.1yrs

Board Members

  • John Milleson (62yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$556.48k
  • James Wilkins (73yo)

    Independent Director

    • Tenure: 21.6yrs
    • Compensation: US$31.00k
  • Randall Vinson (72yo)

    Independent Director

    • Tenure: 34.6yrs
    • Compensation: US$28.90k
  • Robert Smalley (67yo)

    Independent Director

    • Tenure: 0.0yrs
    • Compensation: US$31.00k
  • Mary Glaize (63yo)

    Independent Director

    • Tenure: 21.6yrs
    • Compensation: US$28.30k
  • Thomas Gilpin (66yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$38.60k
  • Thomas Byrd (73yo)

    Independent Director

    • Tenure: 24.6yrs
    • Compensation: US$31.90k
  • Douglas Rinker (59yo)

    Independent Director

    • Tenure: 13.3yrs
    • Compensation: US$32.30k
  • John Stokely (66yo)

    Independent Director

    • Tenure: 13.1yrs
    • Compensation: US$33.00k
  • Brandon Lorey (50yo)

    President

    • Tenure: 0.1yrs

Company Information

Eagle Financial Services, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Eagle Financial Services, Inc.
  • Ticker: EFSI
  • Exchange: OTCPK
  • Founded: 1881
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$105.800m
  • Shares outstanding: 3.41m
  • Website: https://www.bankofclarke.bank

Number of Employees


Location

  • Eagle Financial Services, Inc.
  • 2 East Main Street
  • PO Box 391
  • Berryville
  • Virginia
  • 22611
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EFSIOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 2003

Biography

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking services in the Shenandoah Valley and Northern Virginia. Th ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:54
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.