NASDAQ · Banks - Regional

EFSI (EFSI) Stock

$40.97 -0.82% NASDAQ: EFSI Financial Services

Valuation

MetricValue
Price$40.97
Market Cap$221.75M
P/E Ratio11.20
P/B Ratio1.19
P/S Ratio2.02
EPS (TTM)$1.59
52-Week High$44.00
52-Week Low$28.98
Dividend Yield2.92%

Financials & Margins

MetricValue
ROE10.32%
ROA1.01%
ROCE5.29%
Gross Margin67.86%
Operating Margin16.41%
Net Margin16.62%
Debt/Equity0.21
Current Ratio0.09

Annual Financials (USD)

Metric20212022202320242025
Revenue$53.0M$67.0M$96.0M$106.0M$105.0M
Operating Profit$13.0M$18.0M$11.0M$19.0M$10.0M
Net Profit$11.0M$15.0M$9.0M$15.0M$8.0M
EPS$3.20$4.17$2.66$4.32$1.59
Op Margin24.3%26.5%11.1%17.8%9.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.6B$1.8B$1.9B$1.9B
Total Liabilities$1.2B$1.5B$1.7B$1.7B$1.7B
Cash$64.0M$67.0M$112.0M$176.0M$14.0M
Borrowings$0$237.0M$194.0M$150.0M$70.0M

Latest News

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$16.0M$14.0M$7.0M$19.0M$28.0M
Investing Cash Flow$-194.0M$-332.0M$-131.0M$16.0M$-4.0M
Financing Cash Flow$164.0M$120.0M$209.0M$69.0M$32.0M
Net Cash Flow$-16.0M$3.0M$71.0M$55.0M$24.0M
Free Cash Flow$16.0M$13.0M$6.0M$18.0M$26.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y26.25%
Return 3Y48.77%
Return 5Y44.62%

Ownership

Insiders Held12.95%
Institutions Held45.28%
Institutions Float Held52.02%
Institutional HolderSharesReport Date
Fourthstone LLC532,1992026-03-31
Blackrock Inc.280,5322026-03-31
Wellington Management Group, LLP280,4002026-03-31
Vanguard Capital Management LLC243,7422026-03-31
Graham Capital Wealth Management, LLC137,0352026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ATLO $31.23 -0.83% 13.45 $276.61M 2.92%
CBNA $45.25 -1.29% 11.90 $296.92M 0.00%
FCCO $32.96 -0.42% 12.25 $309.76M 2.00%
FRAF $61.24 -1.15% 12.11 $275.15M 2.34%
FSFGFirst Savings Financial Group, Inc. $33.98 +0.00% 13.81 $238.37M 1.88%

About EFSI

EFSI is led by CEO Brandon Craig Lorey, employs 225 people, headquartered in US, publicly traded since 2001.

EFSI stock trades at $40.97 with a market capitalization of $221.75M. The stock is valued at a price-to-earnings (P/E) ratio of 11.20, price-to-book of 1.19, price-to-sales of 2.02. Over the past 52 weeks the stock has ranged between $28.98 and $44.00, and currently trades 6.9% below its 52-week high. It pays a dividend yielding 2.92%.

On profitability, EFSI generates a return on equity (ROE) of 10.32%, return on capital employed of 5.29%, an operating margin of 16.41%, a net profit margin of 16.62%.

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