EFSI Eagle Financial Services Inc - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$45.51
· of 52w range
· above low
· to high
$31.4452w low
$48.1752w high
Market Cap (MRQ)
$246M
P/E
28.6
EPS
$1.59
Revenue
$0
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52W Range
$31–$48
Analyst Rating
BUY
Price Target
$44
P/E
28.6
ROE
4.5%
Net Profit Margin
11.8%
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EFSI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$45.51
Market Cap (MRQ)
$246M
P/E
28.6
EPS
$1.59
Revenue
$0
Div Yield
2.5%
ROE
4.5%
52W Range
$31–$48
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| March 16, 2006 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$02021-12-31 → 2023-12-31
EPS$1.592016-12-31 → 2025-12-31
Free Cash Flow$24M2016-12-31 → 2025-12-31
Net margin11.8%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | EFSI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 28.65Y avg ≈12.8 | ≈12.8 | 11.9 | Overvalued | |
| P/B (MRQ) | 1.35Y avg ≈1.1 | ≈1.1 | 1.1 | Fair value | |
| Price / FCF (TTM) | 30.55Y avg ≈10.5 | ≈10.5 | · | · | |
| Price / Cash Flow (TTM) | 26.95Y avg ≈9.6 | ≈9.6 | 9.2 | Undervalued | |
| Price / Tangible Book | 1.35Y avg ≈1.1 | ≈1.1 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | EFSI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 14.3%5Y avg ≈147274.5% | ≈147274.5% | 27.9% | Weak | |
| Net Profit Margin | 11.8%5Y avg ≈121021.8% | ≈121021.8% | 19.5% | In line | |
| ROA | 0.44%5Y avg ≈0.74% | ≈0.74% | 0.76% | Weak | |
| ROE | 4.5%5Y avg ≈10.2% | ≈10.2% | 8.2% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | EFSI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EPS YoY | -63.2%5Y avg ≈-1.8% | ≈-1.8% | · | · | |
| Net Income YoY | -46.5%5Y avg ≈2.5% | ≈2.5% | · | · | |
| EPS CAGR 3Y | -27.5%5Y avg ≈-7.9% | ≈-7.9% | · | · | |
| EPS CAGR 5Y | -13.4% | · | · | · | |
| Net Income CAGR 3Y | -17.3%5Y avg ≈-3.8% | ≈-3.8% | · | · | |
| Net Income CAGR 5Y | -6.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | EFSI | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line | |
| Revenue / Employee | ≈$0.00 | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.5%
Payout Ratio74.4%
Annualized Payout≈$1.24
5Y Div CAGR≈3.6%
Growth Streak≈21
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 3, 2026 | $0.31 | USD | ≈3.1% |
| May 4, 2026 | $0.31 | USD | ≈3.5% |
| Feb 2, 2026 | $0.31 | USD | ≈3.2% |
| Nov 3, 2025 | $0.31 | USD | ≈3.5% |
| Aug 4, 2025 | $0.31 | USD | ≈3.7% |
| May 5, 2025 | $0.31 | USD | ≈4.1% |
| Feb 3, 2025 | $0.31 | USD | ≈3.4% |
| Nov 8, 2024 | $0.31 | USD | ≈3.6% |
| Aug 5, 2024 | $0.30 | USD | ≈3.6% |
| May 3, 2024 | $0.30 | USD | ≈4.1% |
| Feb 2, 2024 | $0.30 | USD | ≈4.0% |
| Nov 3, 2023 | $0.30 | USD | ≈3.9% |
| Aug 4, 2023 | $0.30 | USD | ≈3.8% |
| May 5, 2023 | $0.30 | USD | ≈3.7% |
| Feb 3, 2023 | $0.30 | USD | ≈4.1% |
| Nov 4, 2022 | $0.30 | USD | ≈3.9% |
| Aug 5, 2022 | $0.29 | USD | ≈3.9% |
| May 3, 2022 | $0.28 | USD | ≈4.0% |
| Apr 29, 2022 | $0.28 | USD | ≈3.2% |
| Feb 4, 2022 | $0.28 | USD | ≈3.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-12.8%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.41 | $0.79 | -48.2% |
| March 31, 2026 | $0.69 | $0.90 | -23.1% | |
| Dec. 31, 2025 | $0.82 | $0.89 | -7.6% | |
| Sept. 30, 2025 | $1.04 | $1.13 | -8.1% | |
| June 30, 2025 | $0.98 | $0.83 | 17.9% | |
| March 31, 2025 | $0.82 | $0.89 | -7.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | · | · | $0 | $3.0K | $236.0K | |
| Interest Expense | · | · | $33M | $5M | $2M | |
| Interest Income | $99M | $91M | $83M | $55M | $43M | |
| Pretax Income | $10M | $19M | $11M | $18M | $13M | |
| Income Tax | $2M | $4M | $1M | $3M | $2M | |
| Net Income | $8M | $15M | $9M | $15M | $11M | |
| EPS (Basic) | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 | |
| EPS (Diluted) | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 | |
| Shares (Basic) | 5,178,488 | 3,553,919 | 3,523,547 | 3,482,368 | 3,440,080 | |
| Shares (Diluted) | 5,178,488 | 3,553,919 | 3,523,547 | 3,482,368 | 3,440,080 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| PP&E (Net) | $15M | $14M | $18M | $18M | $18M | |
| PP&E (Gross) | $30M | $30M | $36M | $35M | $34M | |
| Accum. Depreciation | $16M | $15M | $18M | $17M | $16M | |
| Total Assets | $1.89B | $1.87B | $1.83B | $1.62B | $1.30B | |
| Total Liabilities | $1.70B | $1.75B | $1.72B | $1.51B | $1.19B | |
| Long-term Debt | $70M | · | · | · | · | |
| Common Stock | $13M | $9M | $9M | $9M | $9M | |
| Paid-in Capital | $65M | $15M | $14M | $13M | $12M | |
| Retained Earnings | $116M | $114M | $103M | $100M | $90M | |
| AOCI | $-5M | $-19M | $-18M | $-20M | $-155.0K | |
| Stockholders' Equity | $189M | $119M | $108M | $102M | $110M | |
| Liabilities + Equity | $1.89B | $1.87B | $1.83B | $1.62B | $1.30B | |
| Shares Outstanding | 5,374,205 | 3,549,581 | 3,549,581 | 3,490,086 | 3,454,128 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $912.0K | $1M | $1M | $850.0K | |
| Deferred Tax | $221.0K | $600.0K | $-2M | $-86.0K | $-1M | |
| Operating Cash Flow | $26M | $19M | $7M | $14M | $16M | |
| CapEx | $1M | $1M | $1M | $838.0K | $520.0K | |
| Investing Cash Flow | $-965.0K | $17M | $-130M | $-331M | $-193M | |
| Stock Issued | $54M | $0 | · | · | · | |
| Net Stock Activity | $54M | · | · | · | · | |
| Dividends Paid | $6M | $4M | $4M | $4M | $3M | |
| Financing Cash Flow | $-754.0K | $19M | $195M | $320M | $161M | |
| Net Change in Cash | $24M | $55M | $71M | $3M | $-16M | |
| Taxes Paid | $2M | $80.0K | · | · | · | |
| Free Cash Flow | $24M | $18M | $6M | $13M | $14M | |
| Levered FCF | · | · | $-23M | $8M | $12M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Margin | 11.8% | 21.1% | · | 484033.3% | 21.1% | |
| Pretax Margin | 14.3% | 26.0% | · | 589033.3% | 24.4% | |
| ROA | 0.44% | 0.83% | 0.54% | 0.99% | 0.91% | |
| ROE | 4.5% | 13.0% | 8.9% | 14.5% | 10.0% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Book Value / Share | $35.14 | $33.79 | $30.78 | $29.15 | $31.93 | |
| Revenue / Share | $13.42 | $20.48 | $0.00 | $0.00 | $15.21 | |
| Cash Flow / Share | $4.97 | $5.28 | $1.95 | $3.97 | $4.13 | |
| Dividend / Share | $1.24 | $1.21 | $1.20 | $1.15 | $1.10 | |
| EPS (TTM) | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue YoY | · | · | · | -98.7% | · | |
| EPS YoY | -63.2% | 62.4% | -36.2% | 30.3% | -2.1% | |
| EPS CAGR 3Y | -27.5% | 10.5% | -6.7% | · | · | |
| EPS CAGR 5Y | -13.4% | · | · | · | · | |
| Net Income YoY | -46.5% | 64.0% | -35.6% | 31.8% | -1.4% | |
| Net Income CAGR 3Y | -17.3% | 11.7% | -5.7% | · | · | |
| Net Income CAGR 5Y | -6.0% | · | · | · | · | |
| Dividends Paid CAGR 5Y | 13.8% | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue TTM | · | · | $0 | $3.0K | $236.0K | |
| Net Income TTM | $8M | $15M | $9M | $15M | $11M | |
| Market Cap | $214M | $128M | $106M | $125M | $120M | |
| P/E | 25.0 | 8.4 | 11.3 | 8.6 | 10.8 | |
| P/S | · | · | · | 41822.9 | 507.1 | |
| P/B | 1.1 | 1.1 | 1.0 | 1.2 | 1.1 | |
| P / Tangible Book | 1.1 | 1.1 | 1.0 | 1.2 | 1.1 | |
| P / Cash Flow | 8.3 | 6.8 | 15.4 | 9.1 | 8.4 | |
| P / FCF | 8.8 | 7.2 | 18.2 | 9.7 | 8.7 | |
| Dividend Yield | 2.9% | 3.4% | 4.0% | 3.0% | 2.7% | |
| Earnings Yield | 4.0% | 11.9% | 8.9% | 11.6% | 9.2% | |
| Payout Ratio | 74.4% | 28.0% | 45.2% | 26.2% | 29.6% | |
| Annual Payout | $6M | $4M | $4M | $4M | $3M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $10M | $9M | · | $9M | $8M | $6M | $3M | $1M | |
| Interest Income | $24M | $24M | $25M | $26M | $25M | $24M | $24M | $24M | $22M | $22M | $22M | $22M | $20M | $19M | $16M | $14M | |
| Pretax Income | $7M | $5M | $6M | $7M | $7M | $-9M | $8M | $4M | $4M | $3M | $2M | $3M | $2M | $3M | $4M | $5M | |
| Income Tax | $2M | $918.0K | $1M | $1M | $1M | $-2M | $2M | $550.0K | $585.0K | $495.0K | $-99.0K | $457.0K | $383.0K | $535.0K | $670.0K | $923.0K | |
| Net Income | $5M | $4M | $4M | $6M | $5M | $-7M | $6M | $3M | $3M | $3M | $2M | $2M | $2M | $3M | $3M | $4M | |
| EPS (Basic) | $0.92 | $0.69 | $0.81 | $1.04 | $0.98 | $-1.53 | $1.74 | $0.97 | $0.89 | $0.72 | $0.69 | $0.66 | $0.58 | $0.73 | $0.92 | $1.17 | |
| EPS (Diluted) | $0.92 | $0.69 | $0.81 | $1.04 | $0.98 | $-1.53 | $1.74 | $0.97 | $0.89 | $0.72 | $0.69 | $0.66 | $0.58 | $0.73 | $0.92 | $1.17 | |
| Shares (Basic) | 5,412,016 | 5,412,021 | · | 5,376,346 | 5,378,214 | 4,572,297 | · | 3,552,026 | 3,556,935 | 3,557,203 | · | 3,526,943 | 3,526,934 | 3,522,431 | · | 3,487,555 | |
| Shares (Diluted) | 5,412,016 | 5,412,021 | · | 5,376,346 | 5,378,214 | 4,572,297 | · | 3,552,026 | 3,556,935 | 3,557,203 | · | 3,526,943 | 3,526,934 | 3,522,431 | · | 3,487,555 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $15M | $15M | $15M | $15M | $15M | $15M | $14M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | $18M | |
| PP&E (Gross) | · | · | $30M | · | · | · | $30M | · | · | · | $36M | · | · | · | $35M | · | |
| Accum. Depreciation | · | · | $16M | · | · | · | $15M | · | · | · | $18M | · | · | · | $17M | · | |
| Total Assets | $1.85B | $1.84B | $1.89B | $1.93B | $2.04B | $1.90B | $1.87B | $1.88B | $1.79B | $1.78B | $1.83B | $1.80B | $1.78B | $1.76B | $1.62B | $1.47B | |
| Total Liabilities | $1.65B | $1.65B | $1.70B | $1.75B | $1.86B | $1.73B | $1.75B | $1.76B | $1.68B | $1.68B | $1.72B | $1.70B | $1.67B | $1.65B | $1.51B | $1.37B | |
| Long-term Debt | $30M | $30M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $13M | $13M | $13M | $13M | $13M | $13M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | $9M | |
| Paid-in Capital | $65M | $65M | $65M | $64M | $64M | $64M | $15M | $15M | $15M | $14M | $14M | $14M | $14M | $13M | $13M | $13M | |
| Retained Earnings | $121M | $118M | $116M | $113M | $110M | $106M | $114M | $109M | $107M | $104M | $103M | $102M | $101M | $100M | $100M | $98M | |
| AOCI | $-6M | $-6M | $-5M | $-6M | $-7M | $-7M | $-19M | $-14M | $-19M | $-20M | $-18M | $-24M | $-19M | $-17M | $-20M | $-21M | |
| Stockholders' Equity | $194M | $190M | $189M | $186M | $180M | $176M | $119M | $118M | $111M | $108M | $108M | $101M | $104M | $104M | $102M | $98M | |
| Liabilities + Equity | $1.85B | $1.84B | $1.89B | $1.93B | $2.04B | $1.90B | $1.87B | $1.88B | $1.79B | $1.78B | $1.83B | $1.80B | $1.78B | $1.76B | $1.62B | $1.47B | |
| Shares Outstanding | 5,411,615 | 5,412,376 | 5,374,205 | 5,376,346 | 5,376,346 | 5,378,653 | 3,549,581 | 3,549,580 | 3,556,844 | 3,557,229 | 3,549,581 | 3,520,894 | 3,528,240 | 3,522,431 | 3,490,086 | 3,490,171 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $387.0K | $413.0K | $299.0K | $304.0K | $290.0K | $323.0K | $268.0K | $93.0K | $249.0K | $302.0K | $310.0K | $263.0K | $323.0K | $317.0K | $271.0K | $329.0K | |
| Operating Cash Flow | $-13M | $4M | $9M | $8M | $3M | $6M | $6M | $8M | $-2M | $7M | $-6M | $15M | $-2M | $214.0K | $9M | $3M | |
| CapEx | $282.0K | $209.0K | $227.0K | $380.0K | $262.0K | $537.0K | $273.0K | $231.0K | $421.0K | $94.0K | $-56.0K | $611.0K | $509.0K | $7.0K | $345.0K | $85.0K | |
| Investing Cash Flow | $-35M | $19M | $-11M | $-23M | $2M | $30M | $28M | $-31M | $-6M | $26M | $-25M | $34M | $-65M | $-75M | $-120M | $-67M | |
| Stock Issued | $0 | $0 | $0 | $0 | $0 | $54M | $0 | $0 | $0 | $0 | · | · | · | · | · | · | |
| Net Stock Activity | · | $0 | · | · | · | $54M | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $911.0K | |
| Financing Cash Flow | $2M | $-51M | $-49M | $-113M | $126M | $36M | $-22M | $81M | $4M | $-43M | $27M | $14M | $17M | $137M | $142M | $68M | |
| Net Change in Cash | $-46M | $-27M | $-51M | $-128M | $131M | $72M | $12M | $58M | $-4M | $-11M | $-4M | $63M | $-50M | $62M | $31M | $4M | |
| Free Cash Flow | · | $4M | · | · | · | $5M | · | · | · | $7M | · | · | · | $207.0K | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-1M | · | · | · | $-5M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.5% | 17.9% | · | 25.0% | 25.6% | -145.8% | · | 18.6% | · | · | · | 13.5% | 13.0% | 16.0% | · | 25.4% | |
| Pretax Margin | 25.5% | 22.4% | · | 30.9% | 31.8% | -189.0% | · | 21.6% | 22.9% | 19.1% | · | 16.2% | 15.4% | 19.3% | · | 31.2% | |
| ROA | 0.26% | 0.20% | · | 0.29% | 0.28% | -0.38% | · | 0.19% | · | · | · | 0.14% | 0.13% | 0.17% | · | 0.30% | |
| ROE | 2.7% | 2.0% | · | 3.7% | 3.6% | -4.9% | · | 3.1% | · | · | · | 2.3% | 2.0% | 2.5% | · | 3.9% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $35.83 | $35.16 | · | $34.52 | $33.41 | $32.81 | · | $33.20 | $31.24 | $30.28 | · | $28.74 | $29.47 | $29.66 | · | $28.22 | |
| Revenue / Share | $4.72 | $3.85 | · | $4.16 | $3.83 | $1.05 | · | $5.18 | $4.63 | $4.47 | · | $4.86 | $4.48 | $4.59 | · | $4.61 | |
| Cash Flow / Share | · | $0.79 | · | · | · | $1.27 | · | · | · | $1.90 | · | · | · | $0.06 | · | · | |
| Dividend / Share | $0.31 | $0.31 | $0.31 | $0.31 | $0.31 | $0.31 | $0.31 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.30 | $0.29 | |
| EPS (TTM) | $3.46 | $3.52 | · | $2.23 | $2.16 | $2.07 | · | $3.27 | $2.96 | $2.65 | · | $2.89 | $3.40 | $3.96 | · | $3.91 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $19M | $19M | · | $10M | $8M | $6M | · | $12M | $10M | $9M | · | $10M | $12M | $14M | · | $14M | |
| Market Cap | $224M | $189M | · | $203M | $165M | $176M | · | $115M | $117M | $106M | · | $112M | $108M | $120M | · | $129M | |
| P/E | 12.0 | 9.9 | · | 17.0 | 14.2 | 15.8 | · | 9.9 | 11.1 | 11.3 | · | 11.0 | 9.0 | 8.6 | · | 9.4 | |
| P/B | 1.2 | 1.0 | · | 1.1 | 0.9 | 1.0 | · | 1.0 | 1.1 | 1.0 | · | 1.1 | 1.0 | 1.1 | · | 1.3 | |
| P / Tangible Book | 1.2 | 1.0 | · | 1.1 | 0.9 | 1.0 | · | 1.0 | 1.1 | 1.0 | · | 1.1 | 1.0 | 1.1 | · | 1.3 | |
| P / Cash Flow | · | 44.1 | · | · | · | 30.4 | · | · | · | 15.7 | · | · | · | 559.0 | · | · | |
| Dividend Yield | 3.0% | 3.5% | · | 2.7% | 3.0% | 2.5% | · | 3.7% | 3.6% | 4.0% | · | 3.8% | 3.8% | 3.3% | · | 2.8% | |
| Earnings Yield | 8.3% | 10.1% | · | 5.9% | 7.0% | 6.3% | · | 10.1% | 9.0% | 8.9% | · | 9.1% | 11.2% | 11.7% | · | 10.6% | |
| Payout Ratio | · | 44.8% | · | · | · | -15.9% | · | · | · | · | · | · | · | 40.9% | · | · | |
| Annual Payout | $7M | $7M | · | $6M | $5M | $4M | · | $4M | $4M | $4M | · | $4M | $4M | $4M | · | $4M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | · | · | $0 | $3.0K | $236.0K |
| Net Income | $8M | $15M | $9M | $15M | $11M |
| Diluted EPS | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $24M | $18M | $6M | $13M | $14M |
Institutional owners (13F) 84 filers · $111.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
84
Value held
$111.7M
New positions
14
Exited positions
6
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 14 (+2 vs prior Q) | 6 (+3 vs prior Q) | 32 (+16 vs prior Q) | 20 (-9 vs prior Q) | +30K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $14,314,811 | 345,268 | 12.81% | Shares |
| VANGUARD GROUP INC | $12,019,961 | 302,047 | 10.76% | Shares |
| Fourthstone LLC | $11,922,860 | 287,575 | 10.67% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $11,570,781 | 279,083 | 10.36% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $8,819,952 | 212,734 | 7.89% | Shares |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $5,622,934 | 135,623 | 5.03% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $4,903,632 | 118,250 | 4.39% | Shares |
| STATE STREET CORP | $3,744,128 | 90,307 | 3.35% | Shares |
| ALLIANCEBERNSTEIN L.P. | $3,271,190 | 93,516 | 2.93% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $2,723,922 | 65,700 | 2.44% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,585,321 | 62,357 | 2.31% | Shares |
| CHOREO, LLC | $2,504,184 | 60,400 | 2.24% | Shares |
| BANC FUNDS CO LLC | $2,342,490 | 56,500 | 2.10% | Shares |
| MARSHALL WACE, LLP | $2,131,997 | 51,423 | 1.91% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $1,599,400 | 38,580 | 1.43% | Shares |
| NORTHERN TRUST CORP | $1,536,632 | 37,063 | 1.38% | Shares |
| CITADEL ADVISORS LLC | $1,393,139 | 33,602 | 1.25% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,323,693 | 31,927 | 1.18% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,262,664 | 30,455 | 1.13% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $1,198,567 | 28,909 | 1.07% | Shares |
| UBS Group AG | $1,196,246 | 28,853 | 1.07% | Shares |
| MORGAN STANLEY | $1,160,768 | 27,997 | 1.04% | Shares |
| Trexquant Investment LP | $979,575 | 23,627 | 0.88% | Shares |
| GOLDMAN SACHS GROUP INC | $892,551 | 21,528 | 0.80% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $829,250 | 20,001 | 0.74% | Shares |
| EJF Capital LP | $679,903 | 16,399 | 0.61% | Shares |
| UNITED CAPITAL FINANCIAL ADVISORS, LLC | $671,320 | 16,192 | 0.60% | Shares |
| Bank of New York Mellon Corp | $650,609 | 15,692 | 0.58% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $559,212 | 13,488 | 0.50% | Shares |
| Wealthspire Advisors, LLC | $538,019 | 12,977 | 0.48% | Shares |
| BARCLAYS PLC | $507,927 | 12,251 | 0.45% | Shares |
| Nuveen, LLC | $470,364 | 11,345 | 0.42% | Shares |
| Expressive Wealth LLC | $434,128 | 10,471 | 0.39% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $409,580 | 9,879 | 0.37% | Shares |
| AMERICAN CENTURY COMPANIES INC | $408,754 | 9,859 | 0.37% | Shares |
| XTX Topco Ltd | $402,618 | 9,711 | 0.36% | Shares |
| WELLS FARGO & COMPANY/MN | $398,804 | 9,619 | 0.36% | Shares |
| BANK OF AMERICA CORP /DE/ | $392,253 | 9,461 | 0.35% | Shares |
| Reynders McVeigh Capital Management, LLC | $389,000 | 9,375 | 0.35% | Shares |
| Quadrature Capital Ltd | $369,326 | 8,908 | 0.33% | Shares |
| HOWE & RUSLING INC | $269,490 | 6,500 | 0.24% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $259,332 | 6,255 | 0.23% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $228,071 | 5,501 | 0.20% | Shares |
| SEI INVESTMENTS CO | $219,825 | 5,302 | 0.20% | Shares |
| TWO SIGMA ADVISERS, LP | $206,934 | 5,200 | 0.19% | Shares |
| DEUTSCHE BANK AG\ | $194,613 | 4,694 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $161,477 | 3,901 | 0.14% | Shares |
| RHUMBLINE ADVISERS | $143,156 | 3,453 | 0.13% | Shares |
| MetLife Investment Management, LLC | $127,821 | 3,083 | 0.11% | Shares |
| EVERMAY WEALTH MANAGEMENT LLC | $108,170 | 2,609 | 0.10% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| James R. Wilkins, Jr. | Dec. 2, 2004 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 40 insiders · 21 officers · 19 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Marianne Schmidt | EXECUTIVE OFFICER | April 29, 2026 S | 3,757 | 0 | 1 | $-14,725 |
| Brandon Craig Lorey | EXECUTIVE OFFICER | March 2, 2026 P | 44,204 | 1 | 0 | $12,086 |
| Yasaman Yamini | EXECUTIVE OFFICER | Jan. 5, 2026 F | 2,427 | 0 | 0 | $0 |
| Kathleen S Croson | EXECUTIVE OFFICER | Jan. 5, 2026 F | 6,306 | 0 | 0 | $0 |
| Todd A Braithwaite | EXECUTIVE OFFICER | Jan. 5, 2026 F | 9,737 | 0 | 1 | $-2,178 |
| Aaron M Poffinberger | EXECUTIVE OFFICER | Jan. 5, 2026 F | 11,241 | 0 | 0 | $0 |
| Joseph T Zmitrovich | EXECUTIVE OFFICER | Jan. 5, 2026 F | 25,981 | 0 | 0 | $0 |
| Kaley Ann Crosen | EXECUTIVE OFFICER | Jan. 5, 2026 F | 23,846 | 0 | 0 | $0 |
| Kathleen J Chappell | EXECUTIVE OFFICER | Jan. 5, 2026 F | 19,448 | 0 | 0 | $0 |
| Nicholas Peter Smith | EXECUTIVE OFFICER | Jan. 2, 2026 F | 7,751 | 0 | 0 | $0 |
| Debra L Purrington | EXECUTIVE OFFICER | Jan. 2, 2026 A | 8,475 | 0 | 0 | $0 |
| James S George II | EXECUTIVE OFFICER | Dec. 31, 2025 D | 5,009 | 0 | 0 | $0 |
| Herve A Bonnet | EXECUTIVE OFFICER | Aug. 23, 2023 F | 724 | 0 | 0 | $0 |
| Carl A Esterhay | EXECUTIVE OFFICER | Jan. 4, 2021 D | 12,755 | 0 | 0 | $0 |
| John Eugene Hudson | EXECUTIVE OFFICER | Nov. 25, 2020 A | 66 | 0 | 0 | $0 |
| James W Mccarty JR | EXECUTIVE OFFICER | Jan. 2, 2019 A | 44,286 | 0 | 0 | $0 |
| Dale Lee Fritts | EXECUTIVE OFFICER | May 12, 2016 D | 20,598 | 0 | 0 | $0 |
| Elizabeth M Pendleton | EXECUTIVE OFFICER | Nov. 13, 2014 P | 2,292 | 0 | 0 | $0 |
| Robert C Boyd | Executive Officer | June 11, 2014 A | 4,195 | 0 | 0 | $0 |
| Stephen J Amweg | Executive Officer | Jan. 4, 2010 D | 1,500 | 0 | 0 | $0 |
| Jeffrey S Boppe | Executive Officer | Jan. 3, 2008 D | 7,381 | 0 | 0 | $0 |
| Scott M Hamberger | Director | March 11, 2026 G | 11,609 | 3 | 0 | $86,697 |
| Edward Hill III | Director | March 5, 2026 P | 5,600 | 1 | 0 | $32,508 |
| Karthik Shyamsunder | Director | Jan. 2, 2026 A | 961 | 0 | 0 | $0 |
| Tatiana C Matthews | Director | Jan. 2, 2026 A | 3,617 | 0 | 0 | $0 |
| Cary R Claytor | Director | Jan. 2, 2026 A | 9,662 | 0 | 0 | $0 |
| John D Stokely JR | Director | Jan. 2, 2026 A | 14,240 | 0 | 2 | $-215,684 |
| Douglas Clay Rinker | Director | Jan. 2, 2026 A | 22,199 | 0 | 0 | $0 |
| Mary Bruce Glaize | Director | Jan. 2, 2026 A | 17,796 | 0 | 0 | $0 |
| John R Milleson | Director | Jan. 2, 2026 A | 144,586 | 0 | 0 | $0 |
| Thomas T Gilpin | Director | Feb. 7, 2025 P | 50,490 | 0 | 0 | $0 |
| Thomas T Byrd | Director | Jan. 3, 2023 A | 62,669 | 0 | 0 | $0 |
| Deborah E Addo | Director | June 25, 2021 A | 1,155 | 0 | 0 | $0 |
| James R Wilkins JR | Director | Feb. 19, 2021 P | 183,793 | 0 | 0 | $0 |
| Randall G Vinson | Director | Sept. 16, 2020 A | 33,570 | 0 | 0 | $0 |
| Robert E Sevila | Director | June 20, 2019 A | 3,906 | 0 | 0 | $0 |
| James T Vickers | Director | June 17, 2015 A | 24,958 | 0 | 0 | $0 |
| Lewis M Ewing | Director | June 16, 2010 A | 26,762 | 0 | 0 | $0 |
| John D Hardesty | Director | Dec. 12, 2006 S | 13,495 | 0 | 0 | $0 |
| Robert W Smalley JR | · | May 19, 2026 D | 24,379 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 17 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 16,454 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 27,373 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,188 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 119,029 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 386 SH | Sept. 30, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,289 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 6,040 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 7,775 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 287 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 2,075 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 342 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 431 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 52,433 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 154,632 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 366 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 360 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 48,928 SH | Sept. 11, 2026 | Daily |
EFSI Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$44.00
-3.3%
2 22.2%
Strong Buy
4 44.4%
Buy
3 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-09-30Mean target $44.33 -2.6%
Now
Current price $45.51
Low$43.00
Mean$44.33
High$46.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 10, 2026