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EFSI Stock Chart & Stats
$40.48
-$0.34(-0.84%)
At close: 4:00 PM EDT
$40.48
-$0.34(-0.84%)
Day’s Range― - ―
52-Week Range$31.44 - $44.00
Previous Close$40.14
Volume82.66K
Average Volume (3M)19.01K
Market Cap
$219.47M
Enterprise Value$235.73
Total Cash (Recent Filing)$132.62M
Total Debt (Recent Filing)$29.62M
Price to Earnings (P/E)11.7
Beta0.32
Next Earnings
Oct 23, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield3.06%
Share Statistics
EPS (TTM)3.46
Shares Outstanding5,412,376
10 Day Avg. Volume8,761
30 Day Avg. Volume19,012
Financial Highlights & Ratios
PEG Ratio-0.40
Price to Book (P/B)1.13
Price to Sales (P/S)2.04
P/FCF Ratio8.08
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$41.50Price Target Upside2.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.17
Revenue Forecast (FY)$86.05M
Bulls Say, Bears Say
Bulls Say
Profitability ReboundThe marked rebound in net margin to ~16.6% TTM signals structurally stronger core profitability versus 2025. Sustained higher margins improve internal capital generation, support dividends and reinvestment, and provide a buffer against cyclical credit or rate pressure.
Stronger CapitalizationMeaningful leverage reduction (D/E ~0.21) materially improves financial flexibility and reduces refinancing and interest risk. A stronger capital base supports lending growth, regulatory resilience and ability to absorb credit shocks without aggressive capital raises.
High Cash ConversionFCF conversion near 96% indicates earnings are translating into cash, underpinning dividend sustainability and funding for loan growth or reserves. Reliable conversion reduces reliance on external financing and strengthens long-term funding of strategic initiatives.
Bears Say
Rising Credit ProvisionsElevated credit loss provisioning is a structural risk for a regional bank: sustained higher reserves compress recurring earnings, limit capital flexibility, and may signal weakening asset quality or underwriting stress that could persist through economic cycles.
Profitability VolatilityHistorical swings in profitability undermine predictability of earnings and returns. Volatility complicates capital planning, dividend visibility and investor confidence, making it harder to rely on current margins as a durable baseline absent consistent multi-quarter performance.
Weak FCF Growth TrendSlightly negative TTM FCF growth suggests cash-generation momentum is not firmly established. Even with high conversion, declining FCF growth can constrain discretionary actions like accelerated loan growth, buybacks, or sizable reserve builds if negative trend continues.
Eagle Financial Services News
EFSI FAQ
What was Eagle Financial Services Inc’s price range in the past 12 months?
Eagle Financial Services Inc lowest stock price was $31.44 and its highest was $44.00 in the past 12 months.
What is Eagle Financial Services Inc’s market cap?
Eagle Financial Services Inc’s market cap is $219.47M.
When is Eagle Financial Services Inc’s upcoming earnings report date?
Eagle Financial Services Inc’s upcoming earnings report date is Oct 23, 2026 which is in 81 days.
How were Eagle Financial Services Inc’s earnings last quarter?
Eagle Financial Services Inc released its earnings results on Jul 23, 2026. The company reported $0.41 earnings per share for the quarter, missing the consensus estimate of $0.777 by -$0.367.
Is Eagle Financial Services Inc overvalued?
According to Wall Street analysts Eagle Financial Services Inc’s price is currently Undervalued.
Does Eagle Financial Services Inc pay dividends?
Eagle Financial Services Inc pays a Quarterly dividend of $0.31 which represents an annual dividend yield of 3.06%. See more information on Eagle Financial Services Inc dividends here
What is Eagle Financial Services Inc’s EPS estimate?
Eagle Financial Services Inc’s EPS estimate is 0.92.
How many shares outstanding does Eagle Financial Services Inc have?
Eagle Financial Services Inc has 5,412,376 shares outstanding.
What happened to Eagle Financial Services Inc’s price movement after its last earnings report?
Eagle Financial Services Inc reported an EPS of $0.41 in its last earnings report, missing expectations of $0.777. Following the earnings report the stock price went down -2.34%.
Which hedge fund is a major shareholder of Eagle Financial Services Inc?
Currently, no hedge funds are holding shares in EFSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Eagle Financial Services Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$41.50 (2.52% Upside)
$41.50 (2.52% Upside)
Hedge Fund Trend
Decreased
By 19.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $14.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.11%
12-Months-Change
Fundamentals
Return on Equity
3.06%
Trailing 12-Months
Asset Growth
-9.22%
Trailing 12-Months
Company Description
Eagle Financial Services Inc
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
EFSI Company Deck
EFSI Earnings Call
Q2 2026
0:00 / 0:00
EFSI Stock 12 Month Forecast
Average Price Target
$41.50
▲(2.52% Upside)
Technical Analysis
Hawthorn Bancshares
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OP Bancorp
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First National
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Franklin Financial Services
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Virginia National Bankshares
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Ownership Overview
4.39% Insiders
7.34% Mutual Funds
0.15% Other Institutional Investors
78.86% Public Companies and
Individual Investors