Estados financieros detallados de Eagle Financial Services, Inc. (EFSI): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Eagle Financial Services, Inc. registró ingresos de $104.5M en el último ejercicio fiscal, con un CAGR de 5 años del 17.5%. El beneficio neto alcanzó $8.2M, con un CAGR a 5 años del -6.0%.
Márgenes de los últimos 12 meses: margen bruto 67.9%, margen operativo 15.9%, margen neto 15.8%. El flujo de caja libre creció a un CAGR del 20.2% en 5 años.
Al precio actual de $45.76, EFSI cotiza a un P/E de 14.37 y un ROE del 9.83%. La capitalización bursátil es de $248M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos | $31.5M | $34.3M | $37.0M | $41.5M | $46.6M | $52.7M | $66.7M | $95.9M | $105.9M | $104.5M |
| Coste de Ventas | $879000 | $529000 | $3.3M | $4.9M | $4.7M | $3.2M | $7.3M | $34.5M | $42.6M | $40.1M |
| Beneficio Bruto | $30.6M | $33.8M | $33.7M | $36.6M | $41.9M | $49.5M | $59.4M | $61.4M | $63.3M | $64.4M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $15.2M | $16.0M | $16.5M | $17.9M | $21.5M | $24.0M | $28.3M | $34.4M | $33.6M | $27.4M |
| Gastos Operativos | $21.7M | $22.4M | $23.4M | $25.1M | $28.6M | $36.7M | $41.8M | $50.8M | $44.4M | $54.5M |
| Beneficio Operativo | $8.9M | $11.4M | $10.3M | $11.6M | $13.3M | $12.8M | $17.7M | $10.6M | $18.9M | $9.9M |
| EBITDA | $10.1M | $12.4M | $11.2M | $12.9M | $14.3M | $13.8M | $18.6M | $11.6M | $19.9M | $10.7M |
| Gastos por Intereses | $1.1M | $1.2M | $2.5M | $4.2M | $3.3M | $1.7M | $5.5M | $32.8M | $40.1M | $36.4M |
| Beneficio Antes de Impuestos | $8.9M | $11.4M | $10.3M | $11.6M | $13.3M | $12.8M | $17.7M | $10.6M | $18.9M | $9.9M |
| Impuestos | $2.6M | $3.6M | $1.3M | $1.8M | $2.1M | $1.8M | $3.1M | $1.3M | $3.6M | $1.7M |
| Beneficio Neto | $6.4M | $7.8M | $9.0M | $9.8M | $11.2M | $11.0M | $14.5M | $9.4M | $15.3M | $8.2M |
| BPA | $1.81 | $2.24 | $2.60 | $2.84 | $3.27 | $3.20 | $4.17 | $2.66 | $4.32 | $1.59 |
| BPA Diluido | $1.81 | $2.24 | $2.60 | $2.84 | $3.27 | $3.20 | $4.17 | $2.66 | $4.32 | $1.59 |
| Acciones en Circulación (Diluidas) | $3.5M | $3.5M | $3.5M | $3.4M | $3.4M | $3.4M | $3.5M | $3.5M | $3.6M | $5.4M |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $35.1M | $32.7M | $18.4M | $33.4M | $79.7M | $63.8M | $66.5M | $112.1M | $175.7M | $13.9M |
| Inversiones a Corto | $119.3M | $133.7M | $145.5M | $166.2M | $165.0M | $192.3M | $149.2M | $137.4M | $994000 | $123.3M |
| Cuentas por Cobrar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $154.5M | $165.2M | $162.7M | $199.6M | $244.7M | $256.2M | $216.1M | $249.5M | $176.7M | $137.3M |
| Inmovilizado Material | $20.2M | $19.6M | $19.1M | $19.3M | $18.7M | $18.2M | $18.1M | $18.1M | $14.3M | $14.9M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | $684000 | $153000 | 0 | 0 |
| Activos Totales | $700.1M | $765.8M | $799.6M | $877.3M | $1.13B | $1.30B | $1.62B | $1.83B | $1.87B | $1.89B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | $1.9M | 0 | 0 | 0 | $33.0M | $20.0M | $25.0M | 0 |
| Pasivos Corrientes | $603.9M | $663.4M | $705.0M | $771.5M | $1.01B | $1.18B | $1.30B | $1.53B | $1.60B | $1.61B |
| Deuda a Largo | 0 | 0 | 0 | 0 | 0 | 0 | $204.4M | $174.4M | $124.5M | $69.6M |
| Pasivos Totales | $620.7M | $681.9M | $712.0M | $781.0M | $1.03B | $1.19B | $1.51B | $1.72B | $1.75B | $1.70B |
| Reservas | $58.2M | $62.9M | $68.6M | $74.9M | $82.5M | $89.8M | $100.3M | $103.4M | $114.0M | $116.1M |
| Patrimonio Neto | $79.4M | $83.8M | $87.6M | $96.3M | $105.1M | $110.3M | $101.7M | $108.4M | $119.0M | $188.8M |
| Deuda Total | 0 | 0 | $1.9M | $3.7M | $4.1M | 0 | $237.4M | $194.4M | $149.5M | $69.6M |
| Deuda Neta | -$154.4M | -$165.2M | -$160.8M | -$195.9M | -$240.5M | -$256.2M | $21.3M | -$55.1M | -$27.2M | -$67.7M |
| Capital Circulante | -$449.3M | -$498.2M | -$542.3M | -$571.9M | -$768.4M | -$921.1M | -$1.08B | -$1.28B | -$1.42B | -$1.47B |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $6.4M | $7.8M | $9.0M | $9.8M | $11.2M | $11.0M | $14.5M | $9.4M | $15.3M | $8.2M |
| Amortizaciones | $1.1M | $946000 | $925000 | $1.3M | $1.0M | $996000 | $979000 | $1.0M | $979000 | $780000 |
| Compensación en Acciones | $314000 | $382000 | $518000 | $562000 | $604000 | $850000 | $1.0M | $1.2M | $912000 | $1.2M |
| Cambio en Capital Circulante | $1.6M | -$324000 | -$13.9M | -$2.3M | -$2.9M | $3.9M | -$5.4M | -$3.2M | $4.1M | $2.3M |
| Flujo de Caja Operativo | $9.7M | $9.4M | -$1.5M | $11.3M | $11.0M | $16.5M | $13.8M | $6.9M | $18.8M | $27.9M |
| Inversiones (CapEx) | -$257000 | -$368000 | -$432000 | -$1.3M | -$456000 | -$520000 | -$838000 | -$1.1M | -$1.0M | -$1.4M |
| Adquisiciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | -$2.1M | -$1.6M | -$1.3M | -$1.8M | -$1.9M | -$149000 | -$154000 | -$302000 | -$237000 | -$348000 |
| Dividendos Pagados | -$2.4M | -$2.7M | -$2.8M | -$3.0M | -$3.2M | -$3.3M | -$3.8M | -$4.2M | -$4.3M | -$6.1M |
| Flujo de Caja Libre | $9.4M | $9.0M | -$2.0M | $10.0M | $10.6M | $15.9M | $13.0M | $5.8M | $17.7M | $26.5M |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +9.1% | +7.9% | +12.1% | +12.3% | +13.0% | +26.7% | +43.7% | +10.4% | -1.3% | |
| Crecimiento Beneficio Neto (anual) | +22.2% | +15.6% | +8.4% | +14.5% | -1.4% | +31.8% | -35.6% | +64.0% | -46.5% | |
| Crecimiento BPA (anual) | +23.8% | +16.1% | +9.2% | +15.1% | -2.1% | +30.3% | -36.2% | +62.4% | -63.2% | |
| Cambio en Acciones (anual) | -1.2% | -0.4% | -0.7% | -0.6% | +0.7% | +1.2% | +1.2% | +0.9% | +51.1% | |
| Crecimiento FCF (anual) | -4.7% | -121.7% | +613.2% | +5.1% | +51.1% | -18.6% | -55.3% | +205.7% | +49.1% | |
| Margen Bruto | 97.2% | 98.5% | 91.1% | 88.3% | 89.8% | 94.0% | 89.1% | 64.0% | 59.7% | 61.6% |
| Margen Operativo | 28.4% | 33.2% | 27.9% | 27.9% | 28.5% | 24.3% | 26.5% | 11.1% | 17.8% | 9.5% |
| Margen EBITDA | 32.0% | 36.0% | 30.4% | 31.1% | 30.8% | 26.2% | 27.9% | 12.1% | 18.8% | 10.2% |
| Margen Neto | 20.2% | 22.7% | 24.3% | 23.5% | 24.0% | 20.9% | 21.8% | 9.8% | 14.5% | 7.9% |
| Margen FCF | 30.0% | 26.2% | -5.3% | 24.2% | 22.6% | 30.3% | 19.4% | 6.1% | 16.8% | 25.3% |
| Tasa Impositiva Efectiva | 28.6% | 31.8% | 12.7% | 15.6% | 16.1% | 13.8% | 17.8% | 12.0% | 18.8% | 17.2% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $2.68 | $2.59 | $-0.56 | $2.92 | $3.09 | $4.63 | $3.73 | $1.65 | $4.99 | $4.93 |
| Dividendo por Acción | $0.67 | $0.76 | $0.80 | $0.87 | $0.94 | $0.95 | $1.09 | $1.20 | $1.21 | $1.14 |
| Acciones en Circulación (Básicas) | $3.5M | $3.5M | $3.5M | $3.4M | $3.4M | $3.4M | $3.5M | $3.5M | $3.6M | $5.4M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 9.83% |
| Rentabilidad sobre capital invertido | -1.01% |
| Rentabilidad sobre activos | 1.01% |
| Margen bruto | 67.91% |
| Margen operativo | 15.88% |
| Margen neto | 15.85% |
Salud financiera
| Deuda / Patrimonio | 0.15 |
| Ratio corriente | 0.08 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E | 14.23 | 14.29 | 11.92 | 10.93 | 9.02 | 10.83 | 8.62 | 11.28 | 8.43 | 25.03 |
| P/VC | 1.14 | 1.32 | 1.22 | 1.11 | 0.96 | 1.08 | 1.23 | 0.98 | 1.09 | 1.13 |
| P/V | 2.88 | 3.23 | 2.90 | 2.57 | 2.16 | 2.26 | 1.88 | 1.10 | 1.22 | 2.04 |
| Margen Bruto | 97.2% | 98.5% | 91.1% | 88.3% | 89.8% | 94.0% | 89.1% | 64.0% | 59.7% | 61.6% |
| Margen Operativo | 28.4% | 33.2% | 27.9% | 27.9% | 28.5% | 24.3% | 26.5% | 11.1% | 17.8% | 9.5% |
| Margen Neto | 20.2% | 22.7% | 24.3% | 23.5% | 24.0% | 20.9% | 21.8% | 9.8% | 14.5% | 7.9% |
Empresas relacionadas: ATLO · CBNA · FCCO · FRAF · FSFG · FXNC · MNSB
Explorar sector: Financial Services · Banks - Regional
Más secciones de EFSI: Resumen · Valoración · Estadísticas · Estimaciones · Técnico · Propiedad · Noticias · Eventos
Descubre más: Radar — señales de acciones infravaloradas · Academia de Inversión — aprende a analizar acciones