Eagle Financial Services (EFSI) AI Stock Analysis

• Market Cap: $181.20M
• Dividend Yield: 3.68%
• Average Volume (3M): 43.13K
• Price to Earnings (P/E): 16.0
• Beta (1Y): 0.16
• Revenue Growth: -2.87%
• EPS Growth: -21.25%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.62
• Shares Outstanding: 5,378,362
• 10 Day Avg. Volume: 78,523
• 30 Day Avg. Volume: 43,131
• PEG Ratio: 0.28
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.65
• Enterprise Value/Market Cap: 0.43
• Enterprise Value/Revenue: 0.22
• Enterprise Value/Gross Profit: 1.24
• Enterprise Value/Ebitda: 2.03
• 1Y Price Target: $36.00
• Price Target Upside: 8.66% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 69 Neutral
• Price Target: $37.00 ▲(11.68%Upside)

Eagle Financial Services exhibits a strong financial foundation and positive momentum, though attention is needed on profitability margins. The valuation is reasonable with a supportive dividend yield, making it a potentially attractive investment despite current overbought technical signals.

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 (EFSI) generates revenue through multiple streams, primarily from fees and commissions associated with its wealth management and investment advisory services. The company earns management fees based on the assets under management (AUM) and performance fees tied to the investment returns achieved for its clients. Additionally, EFSI receives commissions from the sales of insurance products and financial planning services. Strategic partnerships with financial institutions and asset managers also play a significant role in EFSI's revenue generation, enhancing its ability to offer diverse investment products and services to its clientele.

Eagle Financial Services Financial Statement Overview

Summary

Eagle Financial Services shows strong revenue growth and stable profit margins, supported by a sound equity position. However, challenges in operational profitability and cash flow generation need attention. The company is well-positioned within its industry but should focus on improving operational efficiencies to maintain growth trajectory.

Income Statement

Eagle Financial Services shows strong revenue growth with a 44.7% increase from 2023 to 2024, and consistent net profit margins around 16-25% over the years. The gross profit margin remains robust at 100%, indicating efficient cost management. However, EBIT and EBITDA margins are relatively low due to increased expenditures impacting operational profitability.

Balance Sheet

The company's balance sheet is stable with a debt-to-equity ratio improving significantly from 2023 to 2024, indicating reduced leverage. The equity ratio stands at a healthy 6-7%, reflecting a solid equity base relative to total assets. However, the return on equity has shown fluctuations, which may indicate inconsistency in utilizing equity effectively.

Cash Flow

Cash flow analysis reveals challenges with consistent free cash flow generation. Operating cash flow was notably absent in 2024, which raises concerns about cash management. Despite this, previous years showed positive free cash flow, suggesting potential for recovery if operational efficiencies are improved.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	86.10M	65.83M	63.12M	60.45M	50.98M	43.34M
Gross Profit	61.94M	65.83M	61.82M	61.36M	50.98M	43.34M
EBITDA	13.45M	19.88M	11.63M	19.58M	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	131.37M	134.46M	275.80M	216.05M	257.21M	245.92M
Total Debt	25.00M	149.51M	199.10M	204.38M	5.29M	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	17.86M	17.74M	5.80M	12.98M	15.94M	10.55M
Operating Cash Flow	18.04M	18.76M	6.88M	13.81M	16.46M	11.01M
Investing Cash Flow	20.95M	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: 33.13
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 33.13 is above the 20-day moving average (MA) of 31.13, above the 50-day MA of 31.04, and above the 200-day MA of 32.50, indicating a bullish trend. The MACD of 0.76 indicates Negative momentum. The RSI at 65.58 is Neutral, neither overbought nor oversold. The STOCH value of 87.76 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
OPBK	81 Outperform	$204.91M	9.62	10.40%	3.48%	12.67%	0.95%
WNEB	73 Outperform	$204.62M	18.77	4.65%	2.83%	8.70%	-10.56%
FCCO	73 Outperform	$194.27M	12.76	10.83%	2.37%	19.34%	38.96%
EFSI	69 Neutral	$181.20M	15.95	4.10%	3.68%	-2.87%	-21.25%
BCBP	62 Neutral	$156.87M	60.19	1.40%	7.03%	-5.71%	-90.24%
FXNC	60 Neutral	$186.74M	25.28	3.74%	2.98%	35.45%	-42.78%
Sector *	58 Neutral	HK$90.72B	5.16	-3.21%	5.31%	7.36%	-55.21%

Eagle Financial Services Corporate Events

Eagle Financial Services Holds Annual Shareholder Meeting

On May 20, 2025, Eagle Financial Services, Inc. conducted its Annual Meeting of Shareholders to address several key corporate governance matters. Shareholders elected three directors, ratified the appointment of Yount, Hyde & Barbour, P.C. as the independent accounting firm, approved the executive compensation package, and decided on a three-year cycle for future votes on executive compensation. These decisions reflect the company’s ongoing commitment to maintaining robust governance practices and ensuring transparency in its financial operations.

The most recent analyst rating on (EFSI) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on Eagle Financial Services stock, see the EFSI Stock Forecast page.

Eagle Financial Reports Q1 2025 Loss Amid Repositioning

Eagle Financial Services, Inc. announced its first quarter 2025 financial results, reporting a net loss of $7.0 million due to a $12.4 million loss on the sale of securities as part of a balance sheet repositioning. Despite the loss, the company experienced strong core deposit growth and reduced borrowings, positioning itself for future shareholder value improvement. The company also completed a public offering, raising $53.5 million, and announced a quarterly dividend of $0.31 per share. Additionally, Cary Nelson was appointed as the new Chair of the Board, succeeding Tom Gilpin.