Stock fact sheet · data as of
Eagle Financial Services, Inc. (EFSI): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is EFSI undervalued?
At 45.75 (close of 16 Oct 2026), EFSI trades within a few percent of the GLS average fair value of 42.98 (6.4% above fair value). 9 models produced a value and they split 3 above the price to 6 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
There is a wide gap between GLS Growth (0.8842) and Graham Growth (108.54). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files EFSI under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for EFSI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 36.93 | -19% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.61 | +15% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 108.54 | +137% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 40.89 | -11% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.8842 | -98% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 58.31 | +27% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 32.18 | -30% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 18.25 | -60% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 38.21 | -16% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -288.73 | -731% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 46.00 | +1% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Eagle Financial Services, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability EFSI scores 5.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 3.2%, ROE 4.3%, ROA 0.4% - with debt at 0.37 times equity and a free-cash-flow yield of 4.3%.
The dividend yield is 2.71% at a payout ratio of 36%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Interchange Fees 49%, Overdrawn Account Fees 23%, Brokerage Commissions 13% (quarter Q2 FY2026).
Institutional ownership scores 6/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 3.2% |
|---|---|---|---|
| GLS Moat | 5.4 / 10 | ROE | 4.3% |
| Debt / equity | 0.37 | ROA | 0.4% |
| Free-cash-flow yield | 4.3% | Payout ratio | 36% |
| Institutions | 6 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 37: No options
No options are listed on Eagle Financial Services, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 37) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 42k shares a day on a market cap of $248M, with a beta of 0.21 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 10 / 25 | -6% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 42k shares/day, $248M cap, beta 0.21 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Eagle Financial Services, Inc. reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Eagle Financial Services, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| RMBI Richmond Mutual Bancorporation, Inc. | 15.25 | 17.99 | +15% | 39No options | $245M |
| FFMH First Farmers and Merchants Corporation | 63.68 | 78.46 | +19% | 39No options | $252M |
| FFBB FFB Bancorp | 88.30 | 171.67 | +49% | 39No options | $253M |
| PEBK Peoples Bancorp of North Carolina, Inc. | 44.31 | 47.10 | +6% | 39No options | $242M |
| GBFH GBank Financial Holdings Inc. | 17.75 | 49.42 | +64% | 68Good | $258M |
| CMTV Community Bancorp | 41.84 | 201.93 | +79% | 39No options | $234M |
| HWBK Hawthorn Bancshares, Inc. | 38.12 | 53.34 | +29% | 39No options | $263M |
| FBLA FB Bancorp, Inc. Common Stock | 16.60 | 29.69 | +44% | 39No options | $265M |
| FOTB First Ottawa Bancshares, Inc. | 239.00 | 793.09 | +70% | 39No options | $231M |
| EXSR Exchange Bank (Santa Rosa, CA) | 155.00 | 208.63 | +26% | 39No options | $266M |
| FXNC First National Corporation | 29.42 | 36.80 | +20% | 39No options | $266M |
| LCNB LCNB Corp. | 18.79 | 24.40 | +23% | 65Good | $268M |
⚖ Compare EFSI with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EFSI
Is EFSI undervalued right now?
Not meaningfully: at 45.75 the stock trades within a few percent of the GLS average fair value of 42.98 (6.4% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of EFSI and what does it mean?
EFSI has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for EFSI?
42.98 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Eagle Financial Services, Inc. report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does EFSI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EFSI, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.