Eagle Financial Services (EFSI) AI Stock Analysis

• Market Cap: $214.14M
• Dividend Yield: 3.11%
• Average Volume (3M): 19.01K
• Price to Earnings (P/E): 17.7
• Beta (1Y): 0.26
• Revenue Growth: -1.45%
• EPS Growth: -31.32%
• Country: US
• Employees: 225
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.04
• Shares Outstanding: 5,376,346
• 10 Day Avg. Volume: 8,761
• 30 Day Avg. Volume: 19,012
• 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: 1.06
• Enterprise Value/Revenue: 3.18
• Enterprise Value/Gross Profit: 5.75
• Enterprise Value/Ebitda: 32.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $43.00 ▲(7.96% Upside)

Eagle Financial Services receives a strong overall score driven by solid financial performance and positive technical indicators. The company's strategic improvements and strong Q3 results further enhance its outlook. While the valuation is fair, the attractive dividend yield adds to the stock's appeal.

Positive Factors

Cash Flow Generation

Strong cash flow performance indicates effective cash management and operational efficiency, supporting long-term financial stability.

Leadership Succession

Strengthening financial leadership through strategic promotions ensures continuity and supports long-term strategic objectives.

Net Interest Income Growth

Growth in net interest income reflects effective balance sheet management and enhances revenue streams, supporting sustainable profitability.

Negative Factors

Profitability Margins Compression

Compressed margins may limit profitability growth, impacting the company's ability to reinvest in business expansion and innovation.

Revenue Growth Decline

Declining revenue growth can signal challenges in market expansion or product adoption, potentially affecting long-term competitiveness.

Decreased Return on Equity

Lower return on equity indicates reduced profitability on shareholder investments, which may affect investor confidence and capital raising.

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 and commissions related to its financial advisory services and investment management. The company charges asset management fees based on the total assets under management (AUM) for its investment portfolios. Additionally, EFSI earns commission income from insurance brokerage activities and financial product sales, including life, health, and property insurance. The firm may also receive performance-based fees tied to the success of its investment strategies. Strategic partnerships with financial institutions and technology providers enhance its service offerings and contribute to its earnings by expanding its market reach and operational efficiency.

Eagle Financial Services Financial Statement Overview

Summary

Eagle Financial Services shows solid financial health with consistent revenue growth and strong cash flow generation. However, profitability margins have compressed, and return on equity has decreased, indicating room for improvement in profitability metrics.

Income Statement

Eagle Financial Services has shown consistent revenue growth, with a TTM revenue growth rate of 3.75%. However, margins have compressed over time, with the TTM gross profit margin at 55.65% and net profit margin at 7.96%, both lower than previous periods. Despite this, the company maintains a positive EBIT margin of 9.66% and EBITDA margin of 10.34%, indicating operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved significantly to 0.39 in the TTM, indicating reduced leverage compared to previous years. However, the return on equity has decreased to 5.33%, reflecting lower profitability on equity. The equity ratio remains stable, suggesting a solid capital structure.

Cash Flow

Eagle Financial Services has demonstrated strong cash flow performance with a TTM free cash flow growth rate of 27.81%. The operating cash flow to net income ratio is 1.26, indicating efficient cash generation relative to net income. The free cash flow to net income ratio remains robust at 94.13%, highlighting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	71.51M	105.92M	95.92M	66.73M	52.66M	46.62M
Gross Profit	39.48M	63.28M	61.43M	59.43M	49.50M	41.88M
EBITDA	7.06M	19.88M	11.63M	18.65M	13.78M	14.34M
Net Income	4.48M	15.34M	9.36M	14.52M	11.02M	11.17M
Balance Sheet
Total Assets	1.93B	1.87B	1.83B	1.62B	1.30B	1.13B
Cash, Cash Equivalents and Short-Term Investments	0.00	176.72M	249.51M	216.05M	256.16M	244.65M
Total Debt	69.66M	149.51M	194.44M	237.36M	0.00	4.11M
Total Liabilities	1.75B	1.75B	1.72B	1.51B	1.19B	1.03B
Stockholders Equity	185.58M	118.99M	108.38M	101.73M	110.28M	105.07M
Cash Flow
Free Cash Flow	22.62M	17.74M	5.80M	12.98M	15.94M	10.55M
Operating Cash Flow	22.89M	18.76M	6.88M	13.81M	16.46M	11.01M
Investing Cash Flow	37.44M	16.75M	-130.28M	-331.34M	-193.22M	-201.47M
Financing Cash Flow	26.61M	19.30M	194.87M	320.35M	160.91M	236.73M

Eagle Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.83
• 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 39.83 is below the 20-day moving average (MA) of 39.86, above the 50-day MA of 37.79, and above the 200-day MA of 34.24, indicating a neutral trend. The MACD of 0.41 indicates Positive momentum. The RSI at 58.09 is Neutral, neither overbought nor oversold. The STOCH value of 31.07 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	77 Outperform	$214.14M	17.67	6.63%	3.11%	-1.45%	-31.32%
VABK	77 Outperform	$219.45M	12.18	10.41%	3.41%	1.11%	14.44%
HWBK	74 Outperform	$223.62M	10.00	14.27%	2.39%	0.16%	258.06%
OPBK	74 Outperform	$215.54M	9.04	10.99%	3.32%	9.10%	12.36%
FXNC	73 Outperform	$230.32M	20.34	7.36%	2.49%	48.94%	11.61%
FRAF	73 Outperform	$238.78M	14.71	9.91%	2.51%	12.06%	10.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Eagle Financial Services Corporate Events

Eagle Financial Services Reports Strong Q3 Results

On October 23, 2025, Eagle Financial Services, Inc. announced its third quarter financial results, reporting a net income of $5.6 million, an increase from previous quarters, and a quarterly dividend of $0.31 per share. The company highlighted growth in net interest income, improved operational efficiency, and strategic leadership changes, positioning it for continued success and value delivery to shareholders.

The most recent analyst rating on (EFSI) stock is a Hold 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.