Eagle Financial Services Inc (EFSI) - Net Assets
Based on the latest financial reports, Eagle Financial Services Inc (EFSI) has net assets worth $193.91 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.85 Billion) and total liabilities ($1.65 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Eagle Financial Services Inc strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $193.91 Million |
| % of Total Assets | 10.5% |
| Annual Growth Rate | 9.3% |
| 5-Year Change | 71.24% |
| 10-Year Change | 137.78% |
| Growth Volatility | 11.49 |
Eagle Financial Services Inc - Net Assets Trend (2002–2025)
This chart illustrates how Eagle Financial Services Inc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see EFSI company net worth.
Annual Net Assets for Eagle Financial Services Inc (2002–2025)
The table below shows the annual net assets of Eagle Financial Services Inc from 2002 to 2025. Also explore net asset momentum of Eagle Financial Services Inc to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $188.84 Million | +58.71% |
| 2024-12-31 | $118.99 Million | +9.79% |
| 2023-12-31 | $108.38 Million | +6.54% |
| 2022-12-31 | $101.73 Million | -7.75% |
| 2021-12-31 | $110.28 Million | +4.95% |
| 2020-12-31 | $105.07 Million | +9.08% |
| 2019-12-31 | $96.33 Million | +9.96% |
| 2018-12-31 | $87.60 Million | +4.51% |
| 2017-12-31 | $83.82 Million | +5.54% |
| 2016-12-31 | $79.42 Million | +1.53% |
| 2015-12-31 | $78.22 Million | +6.96% |
| 2014-12-31 | $73.13 Million | +10.13% |
| 2013-12-31 | $66.41 Million | +4.24% |
| 2012-12-31 | $63.71 Million | +9.67% |
| 2011-12-31 | $58.09 Million | +7.92% |
| 2010-12-31 | $53.83 Million | +4.23% |
| 2009-12-31 | $51.64 Million | +10.28% |
| 2008-12-31 | $46.83 Million | +3.65% |
| 2007-12-31 | $45.18 Million | +10.36% |
| 2006-12-31 | $40.94 Million | +13.73% |
| 2005-12-31 | $35.99 Million | +12.59% |
| 2004-12-31 | $31.97 Million | +12.70% |
| 2003-12-31 | $28.37 Million | +16.25% |
| 2002-12-31 | $24.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Eagle Financial Services Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 582.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $116.11 Million | 61.49% |
| Common Stock | $13.26 Million | 7.02% |
| Other Comprehensive Income | $-5.26 Million | -2.79% |
| Other Components | $64.72 Million | 34.27% |
| Total Equity | $188.84 Million | 100.00% |
Eagle Financial Services Inc Competitors by Market Cap
The table below lists competitors of Eagle Financial Services Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dreamus Company
KQ:060570
|
$247.19 Million |
|
Te Chang Construction Co Ltd
TWO:5511
|
$247.32 Million |
|
Launch One Acquisition Corp. Class A Ordinary shares
NASDAQ:LPAA
|
$247.48 Million |
|
Dolly Varden Silver Corporation
V:DV
|
$247.57 Million |
|
Sizzle Acquisition Corp. II - Class A ordinary shares
NASDAQ:SZZL
|
$247.09 Million |
|
Honest Company Inc
NASDAQ:HNST
|
$247.06 Million |
|
Hyundai Hcn
KO:126560
|
$247.05 Million |
|
J.G.CHEMICALS LIMITED
NSE:JGCHEM
|
$247.02 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Eagle Financial Services Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 118,987,000 to 188,839,000, a change of 69,852,000 (58.7%).
- Net income of 8,214,000 contributed positively to equity growth.
- Dividend payments of 6,111,000 reduced retained earnings.
- Share repurchases of 348,000 reduced equity.
- New share issuances of 53,501,000 increased equity.
- Other comprehensive income increased equity by 13,380,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.21 Million | +4.35% |
| Dividends Paid | $6.11 Million | -3.24% |
| Share Repurchases | $348.00K | -0.18% |
| Share Issuances | $53.50 Million | +28.33% |
| Other Comprehensive Income | $13.38 Million | +7.09% |
| Other Changes | $1.22 Million | +0.64% |
| Total Change | $- | 58.71% |
Book Value vs Market Value Analysis
This analysis compares Eagle Financial Services Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.30x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 11.03x to 1.30x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $4.15 | $45.76 | x |
| 2003-12-31 | $4.77 | $45.76 | x |
| 2004-12-31 | $5.31 | $45.76 | x |
| 2005-12-31 | $5.91 | $45.76 | x |
| 2006-12-31 | $13.26 | $45.76 | x |
| 2007-12-31 | $14.51 | $45.76 | x |
| 2008-12-31 | $14.90 | $45.76 | x |
| 2009-12-31 | $16.22 | $45.76 | x |
| 2010-12-31 | $16.56 | $45.76 | x |
| 2011-12-31 | $17.60 | $45.76 | x |
| 2012-12-31 | $19.06 | $45.76 | x |
| 2013-12-31 | $19.48 | $45.76 | x |
| 2014-12-31 | $21.20 | $45.76 | x |
| 2015-12-31 | $22.34 | $45.76 | x |
| 2016-12-31 | $22.57 | $45.76 | x |
| 2017-12-31 | $24.11 | $45.76 | x |
| 2018-12-31 | $25.30 | $45.76 | x |
| 2019-12-31 | $28.01 | $45.76 | x |
| 2020-12-31 | $30.75 | $45.76 | x |
| 2021-12-31 | $32.06 | $45.76 | x |
| 2022-12-31 | $29.21 | $45.76 | x |
| 2023-12-31 | $30.76 | $45.76 | x |
| 2024-12-31 | $33.48 | $45.76 | x |
| 2025-12-31 | $35.17 | $45.76 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Eagle Financial Services Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.35%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.86%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.00x
- Recent ROE (4.35%) is below the historical average (10.51%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 14.52% | 18.23% | 0.07x | 11.99x | $1.10 Million |
| 2003 | 14.23% | 19.16% | 0.06x | 12.41x | $1.20 Million |
| 2004 | 14.42% | 19.16% | 0.06x | 12.94x | $1.41 Million |
| 2005 | 15.59% | 19.37% | 0.06x | 12.97x | $2.01 Million |
| 2006 | 14.31% | 16.90% | 0.07x | 12.53x | $1.76 Million |
| 2007 | 11.65% | 14.08% | 0.07x | 11.23x | $743.20K |
| 2008 | 8.66% | 11.91% | 0.06x | 11.28x | $-627.90K |
| 2009 | 6.66% | 10.73% | 0.06x | 10.37x | $-1.72 Million |
| 2010 | 6.70% | 10.95% | 0.06x | 10.38x | $-1.78 Million |
| 2011 | 7.44% | 13.32% | 0.06x | 9.78x | $-1.49 Million |
| 2012 | 10.28% | 20.41% | 0.05x | 9.31x | $179.40K |
| 2013 | 10.78% | 23.05% | 0.05x | 8.80x | $517.40K |
| 2014 | 9.76% | 23.21% | 0.05x | 8.57x | $-173.20K |
| 2015 | 8.82% | 23.18% | 0.05x | 8.33x | $-925.10K |
| 2016 | 8.02% | 20.24% | 0.04x | 8.82x | $-1.57 Million |
| 2017 | 9.29% | 22.68% | 0.04x | 9.14x | $-595.70K |
| 2018 | 10.28% | 24.31% | 0.05x | 9.13x | $241.10K |
| 2019 | 10.13% | 23.52% | 0.05x | 9.11x | $126.40K |
| 2020 | 10.63% | 23.97% | 0.04x | 10.76x | $664.60K |
| 2021 | 9.99% | 20.93% | 0.04x | 11.82x | $-7.00K |
| 2022 | 14.27% | 21.76% | 0.04x | 15.89x | $4.35 Million |
| 2023 | 8.63% | 9.76% | 0.05x | 16.84x | $-1.48 Million |
| 2024 | 12.89% | 14.48% | 0.06x | 15.68x | $3.44 Million |
| 2025 | 4.35% | 7.86% | 0.06x | 10.00x | $-10.67 Million |
Industry Comparison
This section compares Eagle Financial Services Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $574,041,500
- Average return on equity (ROE) among peers: 7.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Eagle Financial Services Inc (EFSI) | $193.91 Million | 14.52% | 8.53x | $247.09 Million |
| Ameris Bancorp (ABCB) | $141.98 Million | 7.29% | 7.40x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $804.48 Million | 9.14% | 8.77x | $5.62 Billion |
| ACNB Corporation (ACNB) | $61.12 Million | 12.64% | 7.91x | $656.47 Million |
| Affinity Bancshares Inc (AFBI) | $45.08 Million | 2.57% | 4.16x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $822.80 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $747.42 Million | 6.13% | 9.87x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $334.39 Million | 12.21% | 10.03x | $708.35 Million |
| Associated Banc-Corp (ASB) | $2.88 Billion | 5.86% | 7.41x | $5.62 Billion |
| AmeriServ Financial Inc (ASRV) | $107.25 Million | 3.36% | 12.26x | $78.95 Million |
About Eagle Financial Services Inc
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time depo… Read more