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Eagle Financial Services (Eagle Financial Services) ROE % : 9.14% (As of Dec. 2023)


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What is Eagle Financial Services ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Eagle Financial Services's annualized net income for the quarter that ended in Dec. 2023 was $9.58 Mil. Eagle Financial Services's average Total Stockholders Equity over the quarter that ended in Dec. 2023 was $104.78 Mil. Therefore, Eagle Financial Services's annualized ROE % for the quarter that ended in Dec. 2023 was 9.14%.

The historical rank and industry rank for Eagle Financial Services's ROE % or its related term are showing as below:

EFSI' s ROE % Range Over the Past 10 Years
Min: 8.08   Med: 10.24   Max: 13.7
Current: 8.86

During the past 13 years, Eagle Financial Services's highest ROE % was 13.70%. The lowest was 8.08%. And the median was 10.24%.

EFSI's ROE % is ranked worse than
56.03% of 1460 companies
in the Banks industry
Industry Median: 9.72 vs EFSI: 8.86

Eagle Financial Services ROE % Historical Data

The historical data trend for Eagle Financial Services's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Eagle Financial Services ROE % Chart

Eagle Financial Services Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.61 11.09 10.24 13.70 8.91

Eagle Financial Services Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.03 7.90 9.04 9.14 9.43

Competitive Comparison of Eagle Financial Services's ROE %

For the Banks - Regional subindustry, Eagle Financial Services's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Eagle Financial Services's ROE % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Eagle Financial Services's ROE % distribution charts can be found below:

* The bar in red indicates where Eagle Financial Services's ROE % falls into.



Eagle Financial Services ROE % Calculation

Eagle Financial Services's annualized ROE % for the fiscal year that ended in Dec. 2023 is calculated as

ROE %=Net Income (A: Dec. 2023 )/( (Total Stockholders Equity (A: Dec. 2022 )+Total Stockholders Equity (A: Dec. 2023 ))/ count )
=9.357/( (101.729+108.379)/ 2 )
=9.357/105.054
=8.91 %

Eagle Financial Services's annualized ROE % for the quarter that ended in Dec. 2023 is calculated as

ROE %=Net Income (Q: Dec. 2023 )/( (Total Stockholders Equity (Q: Sep. 2023 )+Total Stockholders Equity (Q: Dec. 2023 ))/ count )
=9.58/( (101.183+108.379)/ 2 )
=9.58/104.781
=9.14 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Dec. 2023) net income data. ROE % is displayed in the 30-year financial page.


Eagle Financial Services  (OTCPK:EFSI) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=9.58/104.781
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(9.58 / 62.084)*(62.084 / 1813.5335)*(1813.5335 / 104.781)
=Net Margin %*Asset Turnover*Equity Multiplier
=15.43 %*0.0342*17.3078
=ROA %*Equity Multiplier
=0.53 %*17.3078
=9.14 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=9.58/104.781
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (9.58 / 9.184) * (9.184 / 62.084) * (62.084 / 1813.5335) * (1813.5335 / 104.781)
= Tax Burden * Pretax Margin % * Asset Turnover * Equity Multiplier
= 1.0431 * 14.79 % * 0.0342 * 17.3078
=9.14 %

Note: The net income data used here is four times the quarterly (Dec. 2023) net income data. The Revenue data used here is four times the quarterly (Dec. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


Eagle Financial Services ROE % Related Terms

Thank you for viewing the detailed overview of Eagle Financial Services's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


Eagle Financial Services (Eagle Financial Services) Business Description

Traded in Other Exchanges
N/A
Address
2 East Main Street, P.O. Box 391, Berryville, VA, USA, 22611
Eagle Financial Services Inc is a locally owned and managed financial institution. It offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage, and commercial loans. It also offers telephone banking, internet banking, and mobile banking to its customers. The Company has two reportable operating segments, community banking and marine lending. Bank generates its majority revenue from Community Banking Interest Income.
Executives
Debra L Purrington officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
John R Milleson director, officer: EXECUTIVE OFFICER
Brandon Craig Lorey director, officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Marianne Schmidt officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Herve A Bonnet officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Tatiana C Matthews director PO BOX 391, BERRYVILLE VA 22611
Edward Iii Hill director PO BOX 391, BERRYVILLE VA 22611
Kathleen S Croson officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Todd A Braithwaite officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
George James S Ii officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Aaron M Poffinberger officer: EXECUTIVE OFFICER PO BOX 391, BERRYVILLE VA 22611
Scott M Hamberger director PO BOX 391, BERRYVILLE VA 22611
Wilkins James R Jr director
Thomas T Gilpin director
Thomas T Byrd director