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)
$28.98
Method range
$23.35 – $43.00
median $31.41
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 | $28.98 | -29.83% |
| Exit multiple | $33.84 | -18.07% |
| Analyst target | $43.00 | +4.12% |
| Graham number | $23.35 | -43.47% |
- Forward DCF$28.98
- Exit multiple$33.84
- Analyst target$43.00
- Graham number$23.35
Stock price
$41.30
FCF / share (TTM)
$0.75
3Y FCF CAGR
1.5%
Fair value @ hist. growth
$22.17
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
8.9%
per year over your projection horizon
Margin of safety -86.3% vs hist-growth DCF
Historical 3Y CAGR
1.5%
Your model implies
8.9%
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% | 9.1% | 7.6% | 5.8% | 3.7% | 1.0% |
| 5.0% | 9.1% | 7.6% | 5.8% | 3.7% | 1.0% |
| 5.7% | 11.5% | 10.3% | 8.9% | 7.3% | 5.3% |
| 6.7% | 14.6% | 13.6% | 12.5% | 11.3% | 9.9% |
| 7.7% | 17.3% | 16.5% | 15.6% | 14.6% | 13.5% |
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
$55.6M
Total debt − cash
Beta
0.21
Vs market benchmark
Frequently asked questions
Eagle Financial Services (EFSI) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks0.19% TTM
- Dividend Profile3.00% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History1 split
How this company returns cash to shareholders — buybacks, dividends, and stock splits.