Eagle Financial Services Inc (EFSI)
NASDAQ:EFSI
EFSI Stock Chart & Stats
$38.75
$0.00(0.00%)
At close: 4:00 PM EST
$38.75
$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
$209.40M
Enterprise Value$265.37M
Total Cash (Recent Filing)$137.27M
Total Debt (Recent Filing)$69.58M
Price to Earnings (P/E)26.0
Beta0.36
Next Earnings
May 05, 2026EPS Estimate
0.91Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)0.81
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 Cap1.27
Enterprise Value/Revenue2.54
Enterprise Value/Gross Profit4.12
Enterprise Value/Ebitda25.26
Forecast
1Y Price Target
$43.00Price Target Upside10.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.81
Revenue Forecast (FY)$86.53M
Bulls Say, Bears Say
Bulls Say
Improved LeverageA material, sustained reduction in leverage from above 2.0x to ~0.37x meaningfully lowers balance-sheet risk and increases financial flexibility. This durable improvement supports lending capacity, regulatory headroom, and resiliency to shocks while enabling capital returns or strategic investments.
Strong Cash GenerationConsistent free cash flow that tracks net income across recent years indicates earnings are backed by real cash. Durable FCF supports dividends, debt reduction, and reinvestment without reliance on volatile capital markets, reducing refinancing risk and improving long-term capital allocation.
Strategic Balance-sheet Actions & Governance UpgradesManagement's 2025 actions—capital raise, asset repositioning toward higher-yielding securities, liquidity-enhancing mortgage pool sale, Nasdaq uplisting and board refresh—are structural. They strengthen funding, enhance NIM potential, and improve governance, supporting sustainable franchise competitiveness.
Bears Say
Margin & ROE CompressionA sharp, persistent decline in margins and ROE reduces internal capital generation and signals weaker earnings power. Even with larger revenue, lower profitability constrains the bank's ability to fund growth, sustain dividends or build reserves without materially higher revenue or cost improvements.
Recent Top- And Bottom-line WeaknessNegative recent revenue and very large EPS decline indicate uneven execution or one-off pressures that materially impaired profitability. Persistent top- and bottom-line weakness undermines forecasting, reduces retained earnings accumulation, and increases reliance on nonrecurring actions to meet targets.
Rising Operating Costs / Expense PressureQuarterly disclosure of materially higher noninterest expenses suggests operating leverage is under pressure. If cost growth persists alongside margin compression, it will limit net income recovery and prolong low ROE, making structural cost control essential for durable profitability improvement.
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 $209.40M.
When is Eagle Financial Services Inc’s upcoming earnings report date?
Eagle Financial Services Inc’s upcoming earnings report date is May 05, 2026 which is in 21 days.
How were Eagle Financial Services Inc’s earnings last quarter?
Eagle Financial Services Inc released its earnings results on Jan 26, 2026. The company reported $0.81 earnings per share for the quarter, missing the consensus estimate of $0.865 by -$0.055.
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 $0.81 in its last earnings report, missing expectations of $0.865. Following the earnings report the stock price went down -0.627%.
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:
$43.00 (10.97% Upside)
$43.00 (10.97% Upside)
Hedge Fund Trend
Decreased
By 73.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $55.2K 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
6.63%
Trailing 12-Months
Asset Growth
13.67%
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 Earnings Call
Q4 2026
0:00 / 0:00
EFSI Stock 12 Month Forecast
Average Price Target
$43.00
▲(10.97% Upside)
Technical Analysis
Hawthorn Bancshares
―
OP Bancorp
―
First National
―
Franklin Financial Services
―
Virginia National Bankshares
―
Ownership Overview
3.91% Insiders
7.25% Mutual Funds
13.82% Other Institutional Investors
67.17% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---