4 earlier Form 4 trades (code P or S) here by this insider (4 buys), the last on Jan 30, 2026.
+6.5% median (+5.9% mean) 90-day return after 4 previous buys.
The trade is 8.6% of the 11,009 shares held after it.
2 other insiders bought within 30 days.
Insider activity: Director HAMBERGER SCOTT M bought about $34.0K of EFSI on Feb 27, 2026, the largest insider purchase at the company since 2025; 2 other insiders bought within 30 days.
47 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Nobody has filed for crossing 5%. That is a fact, not missing data.
EFSI planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
Executive pay vs shareholder return
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.1M
$1.2M
$704.0K
+24%
n/a
2024
$1.0M
$1.0M
$672.5K
+10%
n/a
2023
$795.2K
$708.8K
$523.7K
-13%
n/a
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
Each figure here is a federal filing, dated the day it went public, so you can test what was knowable then.
TTM operating cash flow over long-term debt only, 2026-06-30
Cash flow to debt EFSI
FY Dec 2025
0.37x
FY Dec 2024
n/a
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
Jun 2026
0.31x
Mar 2026
0.82x
Dec 2025
0.37x
Sep 2025
n/a
Jun 2025
n/a
Mar 2025
n/a
Dec 2024
n/a
Sep 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+10.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity EFSI
FY Dec 2025
+5.3%
FY Dec 2024
+13.5%
FY Dec 2023
+8.9%
FY Dec 2022
+13.7%
FY Dec 2021
+10.2%
Jun 2026
+10.0%
Mar 2026
+10.3%
Dec 2025
+5.3%
Sep 2025
+6.6%
Jun 2025
+5.4%
Mar 2025
+4.1%
Dec 2024
+13.5%
Sep 2024
+10.5%
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets EFSI
FY Dec 2025
+0.4%
FY Dec 2024
+0.8%
FY Dec 2023
+0.5%
FY Dec 2022
+1.0%
FY Dec 2021
+0.9%
Jun 2026
+1.0%
Mar 2026
+1.0%
Dec 2025
+0.4%
Sep 2025
+0.5%
Jun 2025
+0.4%
Mar 2025
+0.3%
Dec 2024
+0.8%
Sep 2024
+0.6%
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital EFSI
FY Dec 2025
n/a
FY Dec 2024
n/a
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
Jun 2026
n/a
Mar 2026
n/a
Dec 2025
n/a
Sep 2025
n/a
Jun 2025
n/a
Mar 2025
n/a
Dec 2024
n/a
Sep 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed EFSI
FY Dec 2025
n/a
FY Dec 2024
n/a
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
Jun 2026
n/a
Mar 2026
n/a
Dec 2025
n/a
Sep 2025
n/a
Jun 2025
n/a
Mar 2025
n/a
Dec 2024
n/a
Sep 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
13.39x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing EFSI
FY Dec 2025
30.62x
FY Dec 2024
8.43x
FY Dec 2023
11.28x
FY Dec 2022
8.62x
FY Dec 2021
10.83x
Jun 2026
11.98x
Mar 2026
9.94x
Dec 2025
30.62x
Sep 2025
16.96x
Jun 2025
14.18x
Mar 2025
15.84x
Dec 2024
8.43x
Sep 2024
9.91x
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$246.6M
market value at close 2026-10-27 on 2026-08-04 shares, plus long-term debt only, 2026-06-30, minus cash 2019-12-31
Enterprise value EFSI
FY Dec 2025
$249.9M
FY Dec 2024
n/a
FY Dec 2023
n/a
FY Dec 2022
n/a
FY Dec 2021
n/a
Jun 2026
$220.4M
Mar 2026
$185.3M
Dec 2025
$249.9M
Sep 2025
n/a
Jun 2025
n/a
Mar 2025
n/a
Dec 2024
n/a
Sep 2024
n/a
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+3.2%
TTM free cash flow over market value at close 2026-10-27
FCF yield EFSI
FY Dec 2025
+11.4%
FY Dec 2024
+13.7%
FY Dec 2023
+5.5%
FY Dec 2022
+10.3%
FY Dec 2021
+13.3%
Jun 2026
+3.6%
Mar 2026
+12.2%
Dec 2025
+11.4%
Sep 2025
+10.5%
Jun 2025
+12.7%
Mar 2025
+9.3%
Dec 2024
+13.7%
Sep 2024
+5.0%
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.22x
P/E over trailing EPS growth of 60%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing EFSI
FY Dec 2025
n/a
FY Dec 2024
0.14x
FY Dec 2023
n/a
FY Dec 2022
0.28x
FY Dec 2021
n/a
Jun 2026
0.20x
Mar 2026
0.14x
Dec 2025
n/a
Sep 2025
n/a
Jun 2025
n/a
Mar 2025
n/a
Dec 2024
0.14x
Sep 2024
0.75x
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
EFSI ranks highest on financial health (51st percentile) and risk and compliance (49th), and lowest on growth (1st), among Banks peers.
Profitability
41
Inputs
Return on equity+10.0% · 46 pct, sector of 327
Return on assets+1.0% · 37 pct, sector of 334
Return on invested capitalfewer than four consecutive quarters of operating income
Return on capital employedfewer than four consecutive quarters of operating income
Financial health
51
Inputs
Debt to equity0.15x · 61 pct, sector of 229
Cash flow to debt0.31x · 41 pct, sector of 198
Growth
0
Inputs
Revenue growth, YoY-100.0% · 0 pct, sector of 151
Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Risk and compliance
49
Inputs
Short interest, % of float+3.7% · 44 pct, sector of 374
Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
New text in Risk Factors, latest 10-K+10.9% · 55 pct, sector of 127
3 not measured: Insider conviction, Institutional and government, US patents
Insider conviction needs 1 of 2 inputs, 0 present: no Form 4 purchase or sale (code P or S) in 180 days; no insider trades in 180 days
Institutional and government needs 1 of 4 inputs, 0 present: fewer than five funds report holding it; no Congress trades in 365 days; no federal contracts in 180 days; no lobbying filings in the last four quarters
US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet
4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
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