Eagle Financial Services Inc (EFSI)
NASDAQ:EFSI
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Eagle Financial Services
(NASDAQ:EFSI)
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Rating:67Neutral
Price Target:
$42.00
â–²(7.12% Upside)
Action:ReiteratedDate:04/24/26
The score is driven by improved balance-sheet risk and strong cash generation, supported by favorable recent corporate updates and positive price momentum. The main constraint is weaker profitability (margin/ROE compression) and a relatively high P/E multiple despite a moderate dividend yield.
Positive Factors
Balance-sheet strengthening
Leverage 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.
Negative Factors
Margin and ROE compression
Material 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet strengthening
Leverage 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.
Read all positive factors
Eagle Financial Services (EFSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$205.45M
Dividend Yield3.11%
Average Volume (3M)19.01K
Price to Earnings (P/E)12.7
Beta (1Y)0.36
Revenue Growth21.54%
EPS Growth69.28%
CountryUS
Employees225
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
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 ...
How the Company Makes Money
EFSI generates revenue through interest income from loans, fees charged for financial services such as investment management, and premiums collected from insurance policies. Additionally, the company leverages partnerships with financial instituti...
Eagle Financial Services Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
64
Positive
Cash Flow
73
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 104.54M | 105.92M | 95.92M | 66.73M | 52.66M |
| Gross Profit | 64.45M | 63.28M | 61.43M | 59.43M | 49.50M |
| EBITDA | 9.93M | 19.88M | 11.63M | 18.65M | 13.78M |
| Net Income | 8.21M | 15.34M | 9.36M | 14.52M | 11.02M |
Balance Sheet | |||||
| Total Assets | 1.89B | 1.87B | 1.83B | 1.62B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 137.27M | 176.72M | 249.51M | 216.05M | 256.16M |
| Total Debt | 69.58M | 149.51M | 194.44M | 237.36M | 0.00 |
| Total Liabilities | 1.70B | 1.75B | 1.72B | 1.51B | 1.19B |
| Stockholders Equity | 188.84M | 118.99M | 108.38M | 101.73M | 110.28M |
Cash Flow | |||||
| Free Cash Flow | 26.45M | 17.74M | 5.80M | 12.98M | 15.94M |
| Operating Cash Flow | 27.86M | 18.76M | 6.88M | 13.81M | 16.46M |
| Investing Cash Flow | -3.07M | 16.75M | -130.28M | -331.34M | -193.22M |
| Financing Cash Flow | -754.00K | 19.30M | 194.87M | 320.35M | 160.91M |
Eagle Financial Services Technical Analysis
Positive
39.21
Price Trends
36.04
Positive
37.43
Positive
36.25
Positive
Market Momentum
1.10
Negative
72.49
Negative
86.43
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 39.21 is above the 20-day moving average (MA) of 36.18, above the 50-day MA of 36.04, and above the 200-day MA of 36.25, indicating a bullish trend. The MACD of 1.10 indicates Negative momentum. The RSI at 72.49 is Negative, neither overbought nor oversold. The STOCH value of 86.43 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFSI.
Eagle Financial Services Risk Analysis
Eagle Financial Services disclosed 21 risk factors in its most recent earnings report. Eagle Financial Services reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Eagle Financial Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $256.67M | 8.65 | 14.13% | 2.51% | 13.96% | 104.50% | |
78 Outperform | $231.31M | 9.82 | 11.15% | 3.41% | -0.10% | 12.01% | |
74 Outperform | $218.45M | 6.84 | 12.20% | 3.32% | 7.86% | 29.20% | |
70 Outperform | $230.81M | 8.59 | 14.66% | 2.39% | 3.84% | 32.74% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $205.45M | 12.67 | 10.17% | 3.11% | 21.54% | 69.28% | |
63 Neutral | $245.37M | 12.44 | 9.98% | 2.49% | 16.73% | 184.08% |
* Financial Sector Average
EFSI
Eagle Financial Services
35.73
7.00
24.39%
HWBK
Hawthorn Bancshares
33.96
5.31
18.52%
OPBK
OP Bancorp
14.37
1.89
15.16%
FXNC
First National
26.85
7.88
41.52%
FRAF
Franklin Financial Services
56.12
18.64
49.74%
VABK
Virginia National Bankshares
42.70
7.39
20.93%
Eagle Financial Services Corporate Events
DividendsFinancial Disclosures
Eagle Financial Posts Strong Q1 2026 Results, Declares Dividend
Positive
Apr 23, 2026
Eagle Financial Services reported first-quarter 2026 net income of $3.7 million, down from $4.3 million in the fourth quarter of 2025 but sharply improved from a $7.0 million net loss in the first quarter of 2025, which had been affected by securi...
Executive/Board Changes
Eagle Financial Services Announces Board Leadership Transition
Positive
Jan 27, 2026
On January 21, 2026, Eagle Financial Services, Inc. announced that its Board of Directors had appointed Brian T. Strosser and Susan D. Davies as new directors of both the company and its subsidiary, Bank of Clarke, effective February 25, 2026, add...
Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresPrivate Placements and Financing
Eagle Financial Services Reports Q4 Results, Highlights 2025 Transformation
Positive
Jan 26, 2026
On January 26, 2026, Eagle Financial Services reported fourth quarter 2025 net income of $4.3 million, down from $5.6 million in the prior quarter and $6.2 million a year earlier, with earnings per share of $0.81, annualized return on average equi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.