Eagle Financial Services Inc (EFSI)
NASDAQ:EFSI
Want to see EFSI full AI Analyst Report?
EFSI Stock Chart & Stats
$39.21
$0.00(0.00%)
At close: 4:00 PM EST
$39.21
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$28.70 - $41.12
Previous CloseN/A
Volume2.00
Average Volume (3M)19.01K
Market Cap
$205.45M
Enterprise Value$208.48M
Total Cash (Recent Filing)$137.27M
Total Debt (Recent Filing)$69.58M
Price to Earnings (P/E)12.7
Beta0.36
Next Earnings
Jul 29, 2026EPS Estimate
0.91Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)1.30
Shares Outstanding5,412,376
10 Day Avg. Volume8,761
30 Day Avg. Volume19,012
Financial Highlights & Ratios
PEG Ratio-0.41
Price to Book (P/B)1.13
Price to Sales (P/S)2.04
P/FCF Ratio8.08
Enterprise Value/Market Cap1.01
Enterprise Value/Revenue1.99
Enterprise Value/Gross Profit3.23
Enterprise Value/Ebitda19.84
Forecast
1Y Price Target
$41.50Price Target Upside5.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.8
Revenue Forecast (FY)$86.75M
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengtheningLeverage declining to ~0.37x and materially higher equity meaningfully lowers solvency and refinancing risk, increasing capital flexibility. This durable improvement supports lending capacity, dividend support and strategic moves (M&A or capital markets) over the next several quarters.
Consistent Cash GenerationStrong operating and free cash flow that tracked net income, and sharp FCF growth in 2025, indicate earnings are largely backed by cash. That durable cash conversion supports dividends, deleveraging, and reinvestment without relying on volatile funding sources.
Strategic Transformation & NIM/fee Mix GainsCompleted transformation actions (capital raise, securities repositioning, loan pool sale and uplisting) structurally improved liquidity and allowed reinvestment into higher-yielding assets. Combined with rising NIM and growing wealth management fees, this supports a more diversified, sustainable revenue base.
Bears Say
Margin And ROE CompressionMaterial margin compression and a sharp drop in ROE reduce the bank's profitability runway and its ability to fund growth from retained earnings. Persistently lower returns force reliance on capital markets or cost reductions to restore returns, constraining long-term capital allocation flexibility.
Uneven Revenue And Earnings VolatilityInconsistent top-line trends and large EPS swings undermine predictability of core earnings. Revenue dips and steep EPS contraction make forecasting, pricing and strategic investment harder, increasing execution risk and the chance of future earnings misses absent steadier growth drivers.
Elevated Efficiency RatioAn efficiency ratio near 68% indicates a still-elevated cost base relative to revenue, limiting operating leverage. Even with recent improvements, sustained margin recovery depends on further expense control or outsized revenue growth, which may be challenging in a regional bank franchise.
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 $28.70 and its highest was $41.12 in the past 12 months.
What is Eagle Financial Services Inc’s market cap?
Eagle Financial Services Inc’s market cap is $205.45M.
When is Eagle Financial Services Inc’s upcoming earnings report date?
Eagle Financial Services Inc’s upcoming earnings report date is Jul 29, 2026 which is in 85 days.
How were Eagle Financial Services Inc’s earnings last quarter?
Eagle Financial Services Inc released its earnings results on Apr 23, 2026. The company reported $0.69 earnings per share for the quarter, missing the consensus estimate of $0.913 by -$0.223.
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 3.11%. 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 0.91.
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 $0.69 in its last earnings report, missing expectations of $0.913. Following the earnings report the stock price went down -3.131%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$41.50 (5.84% Upside)
$41.50 (5.84% Upside)
Hedge Fund Trend
Decreased
By 73.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $40.5K 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
10.17%
Trailing 12-Months
Asset Growth
-3.47%
Trailing 12-Months
Company Description
Eagle Financial Services Inc
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
EFSI Company Deck
EFSI Earnings Call
Q1 2026
0:00 / 0:00
EFSI Stock 12 Month Forecast
Average Price Target
$41.50
▲(5.84% Upside)
Technical Analysis
Hawthorn Bancshares
―
OP Bancorp
―
First National
―
Franklin Financial Services
―
Virginia National Bankshares
―
Ownership Overview
3.90% Insiders
7.29% Mutual Funds
0.66% Other Institutional Investors
80.26% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---