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Eagle Financial Services
(NASDAQ:EFSI)
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Rating:65Neutral
Price Target:
$45.00
â–²(8.12% Upside)
Action:Downgraded
Date:09/08/26
The score is driven primarily by improved financial quality (profitability rebound and much lower leverage), partially offset by sharply weaker TTM free cash flow. Valuation is supportive (P/E ~12.1 with ~3.0% yield), while technical indicators show neutral-to-soft momentum and corporate events are mixed due to merger optimism alongside credit-provision pressure.
Positive Factors
Profitability rebound
The rebound in TTM net and EBIT margins indicates materially stronger earnings capacity than in 2025. If maintained, improved profitability can support capital formation, dividends, and investment while giving the bank greater resilience through normal operating cycles.
Negative Factors
Free cash flow volatility
Although free cash flow remains broadly aligned with reported net income, its steep year-over-year decline signals weaker cash momentum and less predictable internal funding. Continued volatility could constrain capital allocation, dividend flexibility, or the pace at which the bank funds growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound
The rebound in TTM net and EBIT margins indicates materially stronger earnings capacity than in 2025. If maintained, improved profitability can support capital formation, dividends, and investment while giving the bank greater resilience through normal operating cycles.
Read all positive factors
Eagle Financial Services (EFSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$246.39M
Dividend Yield2.72%
Average Volume (3M)40.85K
Price to Earnings (P/E)13.2
Beta (1Y)0.34
Revenue Growth20.33%
EPS Growth59.91%
CountryUS
Employees259
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.46
Shares Outstanding5,411,615
10 Day Avg. Volume30,908
30 Day Avg. Volume40,846
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 Cap1.00
Enterprise Value/Revenue2.09
Enterprise Value/Gross Profit3.07
Enterprise Value/Ebitda12.74
Forecast
1Y Price Target
$44.33Price Target Upside6.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.83
Revenue Forecast (FY)$87.30M
Eagle Financial Services Business Overview & Revenue Model
Company Description
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 ...
Eagle Financial Services Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 117.62M | 104.54M | 105.92M | 95.92M | 66.73M | 52.66M |
| Gross Profit | 79.88M | 64.45M | 63.28M | 61.43M | 59.43M | 49.50M |
| EBITDA | 19.27M | 10.71M | 19.88M | 11.63M | 18.65M | 13.78M |
| Net Income | 18.64M | 8.21M | 15.34M | 9.36M | 14.52M | 11.02M |
Balance Sheet | ||||||
| Total Assets | 1.85B | 1.89B | 1.87B | 1.83B | 1.62B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 132.62M | 137.27M | 176.72M | 249.51M | 216.05M | 256.16M |
| Total Debt | 29.62M | 69.58M | 149.51M | 194.44M | 237.36M | 0.00 |
| Total Liabilities | 1.65B | 1.70B | 1.75B | 1.72B | 1.51B | 1.19B |
| Stockholders Equity | 193.91M | 188.84M | 118.99M | 108.38M | 101.73M | 110.28M |
Cash Flow | ||||||
| Free Cash Flow | 10.66M | 26.45M | 17.74M | 5.80M | 12.98M | 15.94M |
| Operating Cash Flow | 11.27M | 27.86M | 18.76M | 6.88M | 13.81M | 16.46M |
| Investing Cash Flow | -51.52M | -3.07M | 16.75M | -130.28M | -331.34M | -193.22M |
| Financing Cash Flow | -211.75M | -754.00K | 19.30M | 194.87M | 320.35M | 160.91M |
Eagle Financial Services Technical Analysis
Positive
41.62
Price Trends
43.77
Positive
42.22
Positive
39.50
Positive
Market Momentum
0.50
Positive
55.94
Neutral
45.80
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 41.62 is below the 20-day moving average (MA) of 45.73, below the 50-day MA of 43.77, and above the 200-day MA of 39.50, indicating a neutral trend. The MACD of 0.50 indicates Positive momentum. The RSI at 55.94 is Neutral, neither overbought nor oversold. The STOCH value of 45.80 is Neutral, 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 25 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $263.13M | 10.59 | 13.36% | 2.97% | 5.91% | 37.89% | |
76 Outperform | $260.98M | 9.90 | 15.15% | 2.19% | 4.90% | 24.16% | |
74 Outperform | $222.35M | 7.64 | 12.59% | 3.49% | 7.19% | 31.23% | |
72 Outperform | $281.67M | 11.38 | 14.00% | 2.14% | 10.02% | 67.97% | |
71 Outperform | $266.40M | 12.28 | 11.57% | 2.31% | 7.47% | 141.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $246.39M | 13.16 | 9.83% | 2.72% | 20.33% | 59.91% |
* Financial Sector Average
EFSI
Eagle Financial Services
45.53
10.27
29.12%
HWBK
Hawthorn Bancshares
37.82
8.85
30.56%
OPBK
OP Bancorp
14.89
2.00
15.52%
FXNC
First National
29.46
8.22
38.69%
FRAF
Franklin Financial Services
62.60
18.96
43.46%
VABK
Virginia National Bankshares
48.50
10.81
28.67%
Eagle Financial Services Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Eagle Financial Services Announces Merger with John Marshall Bancorp
Positive
Sep 8, 2026
On September 7, 2026, Eagle Financial Services and John Marshall Bancorp signed a definitive merger agreement under which a JMSB subsidiary will merge into Eagle, followed by Eagle’s merger into JMSB, in a stock-for-stock transaction that gi...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Eagle Financial Reports Q2 Results Amid Credit Provisions
Negative
Jul 23, 2026
On July 23, 2026, Eagle Financial Services reported second-quarter 2026 results that showed consolidated net income of $5.0 million, up from $3.7 million in the prior quarter but down from $5.3 million a year earlier, alongside a quarterly cash di...
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.