Want to see EFSI full AI Analyst Report?
EFSI Stock Chart & Stats
$40.48
-$0.34(-0.84%)
At close: 4:00 PM EDT
$40.48
-$0.34(-0.84%)
Day’s Range― - ―
52-Week Range$31.44 - $45.44
Previous Close$40.14
Volume82.66K
Average Volume (3M)19.01K
Market Cap
$236.27M
Enterprise Value$245.46
Total Cash (Recent Filing)$132.62M
Total Debt (Recent Filing)$29.62M
Price to Earnings (P/E)12.6
Beta0.33
Next Earnings
Oct 23, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend Yield2.84%
Share Statistics
EPS (TTM)3.46
Shares Outstanding5,411,615
10 Day Avg. Volume8,761
30 Day Avg. Volume19,012
Financial Highlights & Ratios
PEG Ratio-0.40
Price to Book (P/B)1.13
Price to Sales (P/S)2.04
P/FCF Ratio8.08
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$42.00Price Target Upside3.75% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.17
Revenue Forecast (FY)$86.50M
Bulls Say, Bears Say
Bulls Say
De-risked Balance SheetMaterial de-leveraging and a larger equity base materially reduce solvency and funding risk. A debt-to-equity near 0.15x and higher equity provide capacity to absorb losses, support regulatory ratios and enable strategic flexibility over the next several quarters without reliance on volatile wholesale funding.
Profitability ReboundImproved margins and positive trailing revenue growth reflect better core earnings power versus 2025. Sustained mid-teens margins imply the franchise can generate recurring profitability from lending and NII, supporting internal capital formation and dividend continuity if margins persist over the medium term.
Shareholder And Management AlignmentStrong shareholder votes and an approved ESPP indicate board continuity and employee equity alignment. That governance stability and incentive alignment help retain talent, support execution of strategic plans and reduce governance risk, aiding consistent long-term operational delivery.
Bears Say
Volatile Cash GenerationA sharp FCF decline despite FCF tracking net income suggests earnings quality is susceptible to working-capital and timing swings. Persistent volatility in cash conversion undermines ability to fund dividends, organic growth or buybacks from operations and raises refinancing vulnerability in stress scenarios.
Higher Credit ProvisionsRising provisioning indicates asset-quality pressure or more conservative credit assumptions. Increased credit costs compress underlying earnings and create earnings volatility; if loan losses persist, they could erode recent capital gains from de-leveraging and constrain payout capacity.
Choppy Revenue And Margin TrendsHistorical swings in revenue growth and margin levels show the business is cyclical and not yet consistently stable across cycles. This unevenness complicates forecasting, restrains confidence in sustained margin expansion and increases execution risk for multi-quarter planning.
Eagle Financial Services News
EFSI FAQ
What was Eagle Financial Services Inc’s price range in the past 12 months?
Eagle Financial Services Inc lowest stock price was $31.44 and its highest was $45.44 in the past 12 months.
What is Eagle Financial Services Inc’s market cap?
Eagle Financial Services Inc’s market cap is $236.27M.
When is Eagle Financial Services Inc’s upcoming earnings report date?
Eagle Financial Services Inc’s upcoming earnings report date is Oct 23, 2026 which is in 65 days.
How were Eagle Financial Services Inc’s earnings last quarter?
Eagle Financial Services Inc released its earnings results on Jul 23, 2026. The company reported $0.41 earnings per share for the quarter, missing the consensus estimate of $0.777 by -$0.367.
Is Eagle Financial Services Inc overvalued?
According to Wall Street analysts Eagle Financial Services Inc’s price is currently Undervalued.
Does Eagle Financial Services Inc pay dividends?
Eagle Financial Services Inc pays a Quarterly dividend of $0.31 which represents an annual dividend yield of 2.84%. See more information on Eagle Financial Services Inc dividends here
What is Eagle Financial Services Inc’s EPS estimate?
Eagle Financial Services Inc’s EPS estimate is 0.9.
How many shares outstanding does Eagle Financial Services Inc have?
Eagle Financial Services Inc has 5,411,615 shares outstanding.
What happened to Eagle Financial Services Inc’s price movement after its last earnings report?
Eagle Financial Services Inc reported an EPS of $0.41 in its last earnings report, missing expectations of $0.777. Following the earnings report the stock price went down -2.341%.
Which hedge fund is a major shareholder of Eagle Financial Services Inc?
Currently, no hedge funds are holding shares in EFSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Eagle Financial Services Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$42.00 (3.75% Upside)
$42.00 (3.75% Upside)
Hedge Fund Trend
Decreased
By 19.8K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.11%
12-Months-Change
Fundamentals
Return on Equity
2.84%
Trailing 12-Months
Asset Growth
-9.22%
Trailing 12-Months
Company Description
Eagle Financial Services Inc
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
EFSI Company Deck
EFSI Earnings Call
Q2 2026
0:00 / 0:00
EFSI Stock 12 Month Forecast
Average Price Target
$42.00
▲(3.75% Upside)
Technical Analysis
Hawthorn Bancshares
―
OP Bancorp
―
First National
―
Franklin Financial Services
―
Virginia National Bankshares
―
Ownership Overview
4.39% Insiders
7.34% Mutual Funds
11.30% Other Institutional Investors
67.59% Public Companies and
Individual Investors