Fair value (multi-method)
Four independent methods triangulate what EFSI is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$29.49
Method range
$23.35 – $43.00
median $31.74
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $29.49 | -28.09% |
| Exit multiple | $34.00 | -17.10% |
| Analyst target | $43.00 | +4.85% |
| Graham number | $23.35 | -43.07% |
- Forward DCF$29.49
- Exit multiple$34.00
- Analyst target$43.00
- Graham number$23.35
Stock price
$41.01
FCF / share (TTM)
$0.75
3Y FCF CAGR
1.5%
Fair value @ hist. growth
$22.69
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
8.5%
per year over your projection horizon
Margin of safety -80.7% vs hist-growth DCF
Historical 3Y CAGR
1.5%
Your model implies
8.5%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 2% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 5.0% | 9.0% | 7.5% | 5.7% | 3.6% | 0.9% |
| 5.0% | 9.0% | 7.5% | 5.7% | 3.6% | 0.9% |
| 5.6% | 11.2% | 10.0% | 8.5% | 6.9% | 4.8% |
| 6.6% | 14.3% | 13.3% | 12.2% | 10.9% | 9.5% |
| 7.6% | 17.0% | 16.2% | 15.3% | 14.3% | 13.1% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net debt
$56M
Total debt − cash
Beta
0.22
Vs market benchmark
Frequently asked questions
Eagle Financial Services (EFSI) Key Financials
Charts, filings, and peer comparison for every metric
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