Eagle Financial Services (EFSI) AI Stock Analysis

• Market Cap: $194.62M
• Dividend Yield: 3.43%
• Average Volume (3M): 15.55K
• Price to Earnings (P/E): 16.7
• Beta (1Y): 0.17
• Revenue Growth: -1.51%
• EPS Growth: -26.72%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.98
• Shares Outstanding: 5,376,346
• 10 Day Avg. Volume: 16,483
• 30 Day Avg. Volume: 15,553
• PEG Ratio: 0.14
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 1.22
• P/FCF Ratio: 7.29
• Enterprise Value/Market Cap: 1.17
• Enterprise Value/Revenue: 2.37
• Enterprise Value/Gross Profit: 4.39
• Enterprise Value/Ebitda: 29.33
• 1Y Price Target: $39.50
• Price Target Upside: 9.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 84 Outperform
• Price Target: $39.00 ▲(7.73% Upside)

Eagle Financial Services scores well overall, driven by strong financial stability and positive technical indicators. The recent record financial results and positive analyst sentiment further boost its outlook. However, caution is advised due to operational efficiency challenges and high momentum indicators.

Eagle Financial Services Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Eagle Financial Services generates revenue through multiple streams, primarily from fees charged for asset management and advisory services. The company typically earns a percentage-based fee on the assets it manages for clients, which can vary depending on the investment strategy and account size. Additionally, EFSI may charge hourly or project-based fees for financial planning and consulting services. Significant partnerships with financial institutions and technology providers enhance EFSI's offerings, allowing for improved client service and operational efficiency. These collaborations can also lead to referral agreements that contribute to the company's earnings. Furthermore, EFSI may engage in performance-based fee structures where additional earnings are generated based on the investment performance exceeding predetermined benchmarks.

Eagle Financial Services Financial Statement Overview

Summary

Eagle Financial Services exhibits strong growth and financial stability with positive revenue trends and improved leverage ratios. However, recent margin pressures and a decline in profit margins suggest operational efficiency challenges.

Income Statement

Eagle Financial Services has demonstrated consistent revenue growth over the years, with total revenue increasing from $46.6M in 2020 to $95.8M in TTM (Trailing-Twelve-Months) 2025. The gross profit margin has been robust, averaging around 50% over the periods. However, a decline in EBIT and EBITDA margins in the TTM suggests pressures on operational efficiency. The net profit margin in the TTM is notably lower than previous years, indicating potential challenges in maintaining profitability levels.

Balance Sheet

The company maintains a healthy equity base, with a debt-to-equity ratio improving to 0.54 in the TTM, reflecting lower leverage compared to previous years. Return on equity (ROE) has been strong, although it has slightly decreased over time due to increased equity levels. The equity ratio remains stable, indicating a solid asset base supported by equity.

Cash Flow

Eagle Financial Services showcases a positive trend in free cash flow, with growth seen from $10.6M in 2020 to $16.3M in TTM 2025. The operating cash flow has been consistently positive, although the operating cash flow to net income ratio suggests some fluctuations in cash conversion efficiency. The free cash flow to net income ratio indicates that a significant portion of net income is being converted into free cash flow, which is a positive indicator of cash-generating capability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	95.76M	105.92M	95.92M	66.73M	52.66M	46.62M
Gross Profit	51.72M	63.28M	61.82M	59.43M	49.50M	41.88M
EBITDA	7.75M	19.88M	11.63M	18.65M	13.78M	14.33M
Net Income	5.82M	15.34M	9.36M	14.52M	11.02M	11.17M
Balance Sheet
Total Assets	1.90B	1.87B	1.83B	1.62B	1.30B	1.13B
Cash, Cash Equivalents and Short-Term Investments	217.22M	176.72M	249.51M	216.05M	257.21M	245.92M
Total Debt	94.53M	149.51M	194.44M	237.36M	0.00	4.11M
Total Liabilities	1.73B	1.75B	1.72B	1.51B	1.19B	1.03B
Stockholders Equity	176.47M	118.99M	108.38M	101.73M	110.28M	105.07M
Cash Flow
Free Cash Flow	16.35M	17.74M	5.80M	12.98M	15.94M	10.55M
Operating Cash Flow	17.81M	18.76M	6.88M	13.81M	16.46M	11.01M
Investing Cash Flow	21.18M	16.75M	-130.28M	-331.34M	-193.22M	-201.47M
Financing Cash Flow	98.33M	19.30M	194.87M	320.35M	160.91M	236.73M

Eagle Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFSI, the sentiment is Positive. The current price of 36.2 is above the 20-day moving average (MA) of 34.16, above the 50-day MA of 32.76, and above the 200-day MA of 32.62, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 81.70 is Negative, neither overbought nor oversold. The STOCH value of 91.73 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFSI.

Eagle Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EFSI	84 Outperform	$194.62M	16.71	5.44%	3.43%	-1.51%	-26.72%
FCCO	78 Outperform	$206.13M	12.05	11.85%	2.25%	16.07%	57.29%
OPBK	76 Outperform	$209.29M	9.65	10.74%	3.41%	11.05%	8.18%
WNEB	74 Outperform	$254.10M	20.92	5.08%	2.28%	6.82%	-6.56%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%
BCBP	66 Neutral	$154.75M	47.57	1.63%	7.11%	-5.18%	-83.93%
FXNC	65 Neutral	$212.77M	23.80	5.43%	2.60%	43.39%	-21.38%

Eagle Financial Services Corporate Events

Eagle Financial Services Reports Record Q2 2025 Results

Eagle Financial Services, Inc. announced its second quarter 2025 financial results, reporting a record net income of $5.3 million and earnings per share of $0.98. The company saw a significant increase in net interest income and a reduction in FHLB borrowings, contributing to a strengthened funding profile and improved balance sheet efficiency. The Board of Directors declared a quarterly cash dividend of $0.31 per share, payable on August 15, 2025.