Eagle Financial Services (EFSI) AI Stock Analysis

• Market Cap: $177.97M
• Dividend Yield: 3.75%
• Average Volume (3M): 35.22K
• Price to Earnings (P/E): 15.3
• Beta (1Y): 0.15
• Revenue Growth: -1.51%
• EPS Growth: -26.72%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.98
• Shares Outstanding: 5,378,362
• 10 Day Avg. Volume: 13,259
• 30 Day Avg. Volume: 35,217
• 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: 1.22
• Enterprise Value/Revenue: 2.27
• Enterprise Value/Gross Profit: 4.20
• Enterprise Value/Ebitda: 28.01
• 1Y Price Target: $39.50
• Price Target Upside: 19.37% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 84 Outperform
• Price Target: $39.00 ▲(17.86% 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 (EFSI) is a leading provider of comprehensive financial solutions, offering a wide range of services including wealth management, investment advisory, and insurance products. Serving both individual and institutional clients, EFSI focuses on delivering personalized financial strategies and innovative solutions to help clients achieve their financial goals.

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 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: 33.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 33.09 is above the 20-day moving average (MA) of 33.04, above the 50-day MA of 31.61, and above the 200-day MA of 32.39, indicating a neutral trend. The MACD of 0.34 indicates Positive momentum. The RSI at 55.91 is Neutral, neither overbought nor oversold. The STOCH value of 32.70 is Neutral, 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	$177.97M	15.31	5.44%	3.75%	-1.51%	-26.72%
FCCO	78 Outperform	$191.66M	11.18	11.85%	2.48%	16.07%	57.29%
OPBK	75 Outperform	$188.88M	8.56	10.76%	3.77%	11.06%	8.44%
WNEB	74 Outperform	$229.27M	18.83	5.08%	2.53%	6.82%	-6.56%
Sector *	67 Neutral	$17.03B	11.60	9.79%	3.95%	10.64%	1.89%
BCBP	67 Neutral	$146.67M	44.59	1.63%	7.50%	-5.18%	-83.93%
FXNC	60 Neutral	$191.42M	21.51	5.43%	2.89%	43.50%	-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.

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 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.