EFSI Consenso degli analisti
Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo
COMPRA9 analisti
Acquisto forte
222,2%
Compra
555,6%
Mantieni
222,2%
Vendi
00,0%
Vendita forte
00,0%
Target Price a 12 Mesi
3 analisti
· 2026-08-19
Mediana$43.00
Media$42.33
Ora
$43.45
Basso$40.00
Alto$44.00
Target mediano$43.00
-1,0%
Target medio$42.33
-2,6%
Cronologia utili
EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili
Sorpresa media
-0.11%
Periodo
EPS Actual
EPS Stimato
Sorpresa
30 Giugno 2026
$0.41
$0.79
-0.38%
31 Marzo 2026
$0.69
$0.90
-0.21%
31 Dicembre 2025
$0.82
$0.89
-0.07%
30 Settembre 2025
$1.04
$1.13
-0.09%
30 Giugno 2025
$0.98
$0.83
0.15%
31 Marzo 2025
$0.82
$0.89
-0.07%
Confronto Peer (GICS sub-settore industriale)
Metriche chiave rispetto ai pari del settore
Ticker
Capitalizzazione di Mercato
P/E
Rev YoY
Margine Netto
ROE
Margine lordo
EFSI
$214M
25.0
—
11.8%
4.5%
—
MRBK
$208M
9.3
10.1%
345.7%
11.8%
—
CMTV
—
8.3
16.7%
34.8%
15.4%
—
OPBK
$210M
8.2
-1.8%
800.1%
11.6%
—
CFBK
—
9.3
17.6%
28.8%
9.7%
—
TFC
$62.13B
12.9
53.0%
26.1%
8.2%
—
Fondamentali Completi
Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario
Conto Economico10
Dati annuali Conto Economico per EFSI
Metrica
Tendenza
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
Stato Patrimoniale13
Dati annuali Stato Patrimoniale per EFSI
Metrica
Tendenza
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
Flusso di cassa13
Dati annuali Flusso di cassa per EFSI
Metrica
Tendenza
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
Redditività4
Dati annuali Redditività per EFSI
Metrica
Tendenza
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%
Efficienza1
Dati annuali Efficienza per EFSI
Metrica
Tendenza
2025
2024
2023
2022
2021
Asset Turnover
0.0
0.0
0.0
0.0
0.0
Per Azione5
Dati annuali Per Azione per EFSI
Metrica
Tendenza
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
$1
$1
$1
$1
EPS (TTM)
$1.59
$4.32
$2.66
$4.17
$3.20
Tassi di Crescita8
Dati annuali Tassi di Crescita per EFSI
Metrica
Tendenza
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%
·
·
·
·
Dividend CAGR 5Y
13.8%
·
·
·
·
Valutazione (TTM)13
Dati annuali Valutazione (TTM) per EFSI
Metrica
Tendenza
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
Conto Economico9
Dati trimestrali Conto Economico per EFSI
Metrica
Tendenza
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
-10,148,369
5,376,346
5,378,214
4,572,297
-7,112,245
3,552,026
3,556,935
3,557,203
-7,052,761
3,526,943
3,526,934
3,522,431
-6,957,110
3,487,555
Shares (Diluted)
5,412,016
5,412,021
-10,148,369
5,376,346
5,378,214
4,572,297
-7,112,245
3,552,026
3,556,935
3,557,203
-7,052,761
3,526,943
3,526,934
3,522,431
-6,957,110
3,487,555
Stato Patrimoniale13
Dati trimestrali Stato Patrimoniale per EFSI
Metrica
Tendenza
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
Flusso di cassa11
Dati trimestrali Flusso di cassa per EFSI
Metrica
Tendenza
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
·
·
Redditività4
Dati trimestrali Redditività per EFSI
Metrica
Tendenza
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%
Efficienza1
Dati trimestrali Efficienza per EFSI
Metrica
Tendenza
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 Azione5
Dati trimestrali Per Azione per EFSI
Metrica
Tendenza
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
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
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
Valutazione (TTM)9
Dati trimestrali Valutazione (TTM) per EFSI
Metrica
Tendenza
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
·
·
P / FCF
·
46.3
·
·
·
33.5
·
·
·
15.9
·
·
·
577.9
·
·
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%
·
·
Bilanci
Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni
Conto Economico
2025-12-31
2024-12-31
2023-12-31
2022-12-31
2021-12-31
Ricavi
—
—
$0
$3.0K
$236.0K
Utile netto
$8M
$15M
$9M
$15M
$11M
EPS Diluito
$1.59
$4.32
$2.66
$4.17
$3.20
Flusso di cassa
2025-12-31
2024-12-31
2023-12-31
2022-12-31
2021-12-31
Flusso di cassa libero
$24M
$18M
$6M
$13M
$14M
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Proprietari istituzionali (13F)
86 filer · $72.8M totale · Aggiornato al 30 Giugno 2026
Istituzioni che segnalano il possesso di questo titolo nel loro Modulo SEC 13F trimestrale. Solo posizioni lunghe; un singolo depositante può apparire due volte per diverse gambe di opzioni. Grandi posizioni put/call contrapposte riflettono tipicamente market-making o inventario coperto, non convinzione direzionale.
Attività istituzionale — Q2 2026 vs trimestre precedente
Nuove posizioni
Posizioni chiuse
Aumentato
Diminuito
Variazione netta delle azioni
20
(+8 vs trimestre precedente)
6
(+3 vs trimestre precedente)
26
(+12 vs trimestre precedente)
20
(-6 vs trimestre precedente)
-123K
Confrontato con Q1 2026. Le dichiarazioni SEC Form 13F sono dovute entro 45 giorni dalla fine del trimestre più un breve margine per i dichiaranti in ritardo — i trimestri ancora all'interno di questa finestra vengono saltati a favore della coppia più recente completamente riportata.
Insider dai depositi SEC Modulo 3/4/5; netto = solo acquisti/vendite di mercato
Attivisti e proprietari del 5%+
1 partecipazione
Investitori che hanno depositato SEC Schedule 13D — proprietà effettiva superiore al 5% con l'intento di influenzare l'emittente (partecipazioni attiviste, campagne per il consiglio di amministrazione, M&A). Ogni riga mostra lo stato più recente noto della posizione di quel depositante.
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.
Proprietà ETF
Posseduti da 22 ETF
Il peso riflette solo le partecipazioni azionarie dirette (N-PORT); fondi a leva o basati su derivati possono detenere ulteriore esposizione swap non mostrata.