Eagle Financial Services, Inc. Financial Ratios — EFSI Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	7.72	10.76	11	10.23	9.11	8.08	9.54	10.5	10.61	11.09	10.24	13.7	8.91	13.5	5.34
Return on Assets (%)	0.77	1.13	1.21	1.17	1.07	0.94	1.06	1.15	1.16	1.11	0.91	0.99	0.54	0.83	0.44
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.38	3.33	3.35	3.2	3.66	3.7	2.85	2.68	3.53	2.37	1.95	1.6	1.59	1.51	1.17
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.6	31.72	33.54	31.91	32.85	29.35	34.4	29.89	31.06	30.71	25.08	28.85	16.86	29.18	14.94
Profit Margin (%)	15.64	22.81	25.15	24.74	24.28	20.95	23.47	26.08	26.2	25.78	21.62	23.71	14.83	23.69	12.36
Net Income to Common Margin (%)	15.64	22.81	25.15	24.74	24.28	20.95	23.47	26.08	26.2	25.78	21.62	23.71	14.83	23.69	12.36
Effective Tax Rate (%)	24.08	28.09	25.02	22.46	26.08	28.61	31.77	12.74	15.65	16.05	13.81	17.83	12	18.82	17.24
Dvd Payout Ratio (%)	40.81	27.56	26.67	27.23	29.93	36.95	34.06	30.84	30.7	28.63	29.59	26.22	45.2	28.02	74.4
Sustainable Growth Rate (%)	4.57	7.79	8.07	7.45	6.39	5.1	6.29	7.26	7.35	7.92	7.21	10.11	4.88	9.71	1.37

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	49	39	29	47	20	- -	- -	- -	4	4	- -	204	194	150	70
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20	25	- -
LT Debt	49	39	29	47	20	- -	- -	- -	4	4	- -	204	174	125	70
Total Debt/EBITDA	52.96	41.24	30.92	51.1	19.21	- -	- -	- -	2.8	4	- -	208.76	194.06	152.72	89.2
Net Debt/EBITDA	29.47	-9.64	15.97	13.69	-3.09	-31.25	-34.54	-19.84	-25.4	-77.53	-64.1	140.8	82.21	-26.77	-61.98
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.23	10.74	11.32	11.61	11.97	11.34	10.95	10.96	10.98	9.3	8.46	6.29	5.94	6.38	10
Long-Term Debt/Equity (%)	85.16	61.95	44.37	64.56	25.57	- -	- -	- -	3.82	3.91	- -	200.9	160.96	104.64	36.85
Long-Term Debt/Capital (%)	45.99	38.25	30.74	39.23	20.36	- -	- -	- -	3.68	3.77	- -	66.77	57.61	46.37	26.92
Long-Term Debt/Total Assets (%)	8.71	6.65	5.02	7.49	3.06	- -	- -	- -	0.42	0.36	- -	12.64	9.56	6.67	3.68
Total Debt/Equity (%)	85.16	61.95	44.37	64.56	25.57	- -	- -	- -	3.82	3.91	- -	200.9	179.41	125.65	36.85
Total Debt/Capital (%)	45.99	38.25	30.74	39.23	20.36	- -	- -	- -	3.68	3.77	- -	66.77	64.21	55.68	26.92
Total Debt/Total Assets (%)	8.71	6.65	5.02	7.49	3.06	- -	- -	- -	0.42	0.36	- -	12.64	10.65	8.01	3.68
Net Debt to Equity	47.39	-14.48	22.93	17.3	-4.12	-44.23	-38.98	-20.95	-34.68	-75.85	-57.89	135.5	76.01	-22.03	-25.6
Net Debt/Capital (%)	32.15	-16.93	18.65	14.75	-4.29	-79.31	-63.88	-26.5	-50.16	-270.26	-137.47	57.54	43.18	-28.25	-34.41
EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	-1	-1	-2	-2	1	1	- -	- -	1	- -	- -	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.23	10.74	11.32	11.61	11.97	11.34	10.95	10.96	10.98	9.3	8.46	6.29	5.94	6.38	10
Long-Term Debt/Equity (%)	85.16	61.95	44.37	64.56	25.57	- -	- -	- -	3.82	3.91	- -	200.9	160.96	104.64	36.85
Long-Term Debt/Capital (%)	45.99	38.25	30.74	39.23	20.36	- -	- -	- -	3.68	3.77	- -	66.77	57.61	46.37	26.92
Long-Term Debt/Total Assets (%)	8.71	6.65	5.02	7.49	3.06	- -	- -	- -	0.42	0.36	- -	12.64	9.56	6.67	3.68
Total Debt/Equity (%)	85.16	61.95	44.37	64.56	25.57	- -	- -	- -	3.82	3.91	- -	200.9	179.41	125.65	36.85
Total Debt/Capital (%)	45.99	38.25	30.74	39.23	20.36	- -	- -	- -	3.68	3.77	- -	66.77	64.21	55.68	26.92
Total Debt/Total Assets (%)	8.71	6.65	5.02	7.49	3.06	- -	- -	- -	0.42	0.36	- -	12.64	10.65	8.01	3.68
CFO/Total Liabilities	2.3	2.16	1.58	1.3	1.25	1.56	1.37	-0.21	1.45	1.07	1.38	0.91	0.4	1.07	1.52
CFO/CapEx	12.18	5.19	5.49	2.45	2.49	37.74	25.45	-3.53	8.64	24.14	31.65	16.48	6.42	18.41	18.32
Altman's Z-Score	0.21	0.23	0.25	0.25	0.25	0.25	0.26	0.25	0.24	0.2	0.2	0.17	0.15	0.16	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	55	73	76	81	81	89	110	107	107	100	120	125	106	129	214
- Cash & Cash Equivalents	22	49	14	35	23	35	33	18	33	80	64	67	112	176	118
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	49	39	29	47	20	- -	- -	- -	4	4	- -	204	194	150	70
Enterprise Value	-31	-39	-11	-1	-28	-65	-55	-56	-88	-140	-136	114	51	-18	137
Total Capital	108	103	96	120	98	79	84	88	100	109	110	306	303	268	258
Total Debt/Capital (%)	45.99	38.25	30.74	39.23	20.36	- -	- -	- -	3.68	3.77	- -	66.77	64.21	55.68	26.92
Total Debt / EV	-1.58	-1.02	-2.67	-58.39	-0.71	- -	- -	- -	-0.04	-0.03	- -	1.79	3.85	-8.15	0.51
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.86	0.8	1.55	2.06
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	116.61	50.46	104.26	175.65
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.26	7.35	5.44	5.32
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.79	6.36	5.16	5.04
Diluted Market Cap	55	74	77	80	81	91	111	107	107	101	119	125	106	129	206
Diluted Enterprise Value	83	64	92	93	77	55	79	89	77	25	55	263	188	103	157
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.71	14.36	28.74	25.49
TTM Sales	28	29	28	29	28	30	33	35	37	43	51	61	63	65	66
TTM EBITDA	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	11	8	7	7	10	9	-2	11	11	16	14	7	19	26
TTM Free Cash Flow to Firm	13	14	10	10	10	10	10	-1	13	11	17	15	8	20	27

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.37	5.39	7.92	7.86	8.02	9.1	11.43	-98.34	8.43	8.79	7.03	8.54	13.28	6.54	7.57
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-31	-39	-11	-1	-28	-65	-55	-56	-88	-140	-136	114	51	-18	137
Low Price	14.5	15.5	20.55	21.29	22.85	22.25	25.5	29.5	29.52	21.75	28.6	34.14	28	27.02	28.7
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.86	0.8	1.55	2.06
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	116.61	50.46	104.26	175.65
Price/Earnings	12.81	11.17	10.66	11.2	11.68	14.22	14.29	11.92	10.93	9.02	10.83	8.62	11.28	8.43	25.03
Price/Earnings Average	12.76	10.46	10.87	11.13	11.96	12.96	13.17	13.09	10.99	8.43	10.41	8.64	12.23	7.34	21.66
Price/Earnings High	13.9	11.68	11.75	11.66	13.32	14.36	14.84	14.69	11.97	10.03	12.97	9.21	13.81	8.55	25.86
Price/Earnings Low	11.05	7.87	9.74	10.24	11.6	12.29	11.38	11.35	10.39	6.65	8.94	8.19	10.53	6.25	18.05
Price/Book Value	0.95	1.15	1.15	1.1	1.03	1.12	1.32	1.22	1.11	0.96	1.09	1.23	0.97	1.09	1.13
Price/Book Value Average	0.95	1.08	1.17	1.1	1.06	1.02	1.21	1.34	1.11	0.89	1.04	1.24	1.06	0.95	0.98
Price/Book Value High	1.03	1.2	1.27	1.15	1.18	1.14	1.37	1.5	1.21	1.06	1.3	1.32	1.19	1.1	1.17
Price/Book Value Low	0.82	0.81	1.05	1.01	1.03	0.97	1.05	1.16	1.05	0.7	0.9	1.17	0.91	0.81	0.82
Price/Tangible Book Value	0.95	1.15	1.15	1.1	1.03	1.12	1.32	1.22	1.11	0.96	1.09	1.23	0.97	1.09	1.13
Price/Tangible Book Value Average	0.95	1.08	1.17	1.1	1.06	1.02	1.21	1.34	1.11	0.89	1.04	1.24	1.06	0.95	0.98
Price/Tangible Book Value High	1.03	1.2	1.27	1.15	1.18	1.14	1.37	1.5	1.21	1.06	1.3	1.32	1.19	1.1	1.17
Price/Tangible Book Value Low	0.82	0.81	1.05	1.01	1.03	0.97	1.05	1.16	1.05	0.7	0.9	1.17	0.91	0.81	0.82
Price/Sales	2	2.55	2.68	2.77	2.83	2.98	3.35	3.11	2.86	2.33	2.34	2.04	1.67	2	3.09
Price/Sales Average	2	2.38	2.73	2.75	2.9	2.72	3.09	3.41	2.88	2.17	2.25	2.05	1.81	1.74	2.68
Price/Sales High	2.17	2.66	2.96	2.88	3.24	3.01	3.48	3.83	3.14	2.59	2.8	2.18	2.05	2.03	3.2
Price/Sales Low	1.73	1.79	2.45	2.53	2.82	2.58	2.67	2.96	2.72	1.71	1.93	1.94	1.56	1.48	2.23
Price/Cash Flow	4.71	6.4	9.32	11.02	11.24	9.34	11.87	-70.44	9.4	9.16	7.25	9.06	15.35	6.89	7.98
Price/Cash Flow Average	4.7	5.99	9.5	10.95	11.51	8.51	10.95	-77.36	9.45	8.55	6.97	9.08	16.64	6.01	6.91
Price/Cash Flow High	5.12	6.69	10.27	11.47	12.83	9.43	12.34	-86.83	10.3	10.18	8.68	9.68	18.79	6.99	8.25
Price/Cash Flow Low	4.07	4.51	8.51	10.07	11.17	8.07	9.46	-67.06	8.94	6.75	5.98	8.61	14.33	5.11	5.76
Price/Free Cash Flow Average	4.35	5.05	8.07	7.81	8.21	8.29	10.54	-107.99	8.47	8.21	6.76	8.56	14.4	5.7	6.55
Price/Free Cash Flow High	4.74	5.64	8.73	8.18	9.15	9.19	11.87	-121.21	9.23	9.78	8.42	9.13	16.26	6.63	7.82
Price/Free Cash Flow Low	3.77	3.8	7.23	7.18	7.97	7.86	9.1	-93.61	8.01	6.48	5.8	8.11	12.4	4.85	5.46
EV/Sales Average	2.99	2.07	3.27	3.22	2.8	1.52	2.08	2.87	2.08	0.42	1	4.3	3.12	1.33	2.06
EV/Sales High	3.17	2.35	3.49	3.35	3.14	1.81	2.47	3.28	2.33	0.83	1.56	4.44	3.36	1.62	2.6
EV/Sales Low	2.72	1.48	2.98	2.99	2.72	1.38	1.67	2.41	1.92	- -	0.69	4.2	2.87	1.08	1.59
EV/EBITDA Average	88.44	62.16	97.65	100.49	76.5	41.17	73.04	106.94	58.8	17.75	51.44	269.23	196.49	88.25	175.33
EV/EBITDA High	93.7	70.54	104.27	104.6	85.61	48.98	86.69	122.47	66.08	35.12	79.83	277.7	211.28	107.12	221.33
EV/EBITDA Low	80.5	44.39	89.13	93.5	74.12	37.41	58.43	90.06	54.4	-1.48	35.09	262.51	180.6	71.19	135.76
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	16.81	22	22.5	23.3	23	25.75	32	30.99	31.05	29.5	34.65	35.95	30	36.4	39.8
High Price	18.25	23	24.8	24.25	26.25	26	33.25	38.2	34	32.8	41.5	38.4	36.73	36.93	41.12
Enterprise Value Average	83	59	93	93	80	46	69	99	77	18	51	264	197	86	137
Enterprise Value High	88	68	99	97	89	55	82	113	87	36	80	272	212	105	173
Enterprise Value Low	75	42	85	86	77	42	55	83	72	-2	35	257	181	70	106

Shares Outstanding	3	3	3	3	4	3	3	3	3	3	3	3	4	4	5
Diluted Weighted Avg Shares	3	3	3	3	4	4	3	3	3	3	3	3	4	4	5
Basic Weighted Avg Shares	3	3	3	3	4	4	3	3	3	3	3	3	4	4	5
Revenue per Share	8.4	8.64	8.39	8.41	8.11	8.64	9.54	9.97	10.84	12.68	14.8	17.59	17.93	18.24	12.86
EBITDA per Share	0.28	0.29	0.28	0.27	0.3	0.32	0.27	0.27	0.38	0.3	0.29	0.28	0.28	0.28	0.15
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.31	1.97	2.11	2.08	1.97	1.81	2.24	2.6	2.84	3.27	3.2	4.17	2.66	4.32	1.59
Basic EPS from Cont Ops	1.31	1.97	2.11	2.08	1.97	1.81	2.24	2.6	2.84	3.27	3.2	4.17	2.66	4.32	1.59
Diluted EPS, GAAP	1.31	1.96	2.1	2.07	1.97	1.81	2.24	2.6	2.84	3.27	3.2	4.17	2.66	4.32	1.59
Diluted EPS from Cont Ops	1.31	1.96	2.1	2.07	1.97	1.81	2.24	2.6	2.84	3.27	3.2	4.17	2.66	4.32	1.59
Dividend per Share	0.54	0.54	0.56	0.57	0.59	0.67	0.76	0.8	0.87	0.94	0.95	1.09	1.2	1.21	1.18
Cash Flow per Share	3.57	3.44	2.42	2.11	2.05	2.76	2.69	-0.44	3.3	3.22	4.78	3.97	1.95	5.28	4.99
Free Cash Flow per Basic Share	3.27	2.78	1.98	1.25	1.23	2.68	2.59	-0.56	2.92	3.09	4.63	3.73	1.65	5	4.71
Cash & Equivalents per Share	41.4	45.4	34.44	37.17	36.68	44.51	47.91	47.2	57.84	71.85	74.16	61.8	70.87	83.69	27.25
Book Value per Share	17.67	19.1	19.57	21.11	22.24	22.9	24.3	25.42	28.08	30.86	31.93	29.15	30.78	33.52	35.14
Tangible Book Value per Share	17.67	19.1	19.57	21.11	22.24	22.9	24.3	25.42	28.08	30.86	31.93	29.15	30.78	33.52	35.14

Eagle Financial Services, Inc.