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Eagle Financial Services
(NASDAQ:EFSI)
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Rating:71Outperform
Price Target:
$47.00
â–²(16.11% Upside)
Action:Reiterated
Date:08/11/26
The score is driven primarily by improving fundamentals (profitability rebound and sharply reduced leverage) and supportive technicals (price above major moving averages with positive momentum). The main offsets are weaker/volatile cash-flow trends and corporate-event risk around higher credit loss provisions, while valuation remains reasonable with a moderate P/E and solid dividend yield.
Positive Factors
De-risked balance sheet
Material 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.
Negative Factors
Volatile cash generation
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked balance sheet
Material 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.
Read all positive factors
Eagle Financial Services (EFSI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$236.43M
Dividend Yield2.84%
Average Volume (3M)19.01K
Price to Earnings (P/E)12.6
Beta (1Y)0.33
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. 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
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 ...
How the Company Makes Money
null...
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 | 19.52M | 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
40.48
Price Trends
41.40
Positive
39.36
Positive
37.99
Positive
Market Momentum
0.69
Negative
65.80
Neutral
68.95
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 40.48 is below the 20-day moving average (MA) of 41.50, below the 50-day MA of 41.40, and above the 200-day MA of 37.99, indicating a bullish trend. The MACD of 0.69 indicates Negative momentum. The RSI at 65.80 is Neutral, neither overbought nor oversold. The STOCH value of 68.95 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 | $274.03M | 10.45 | 15.01% | 2.14% | 4.90% | 24.16% | |
76 Outperform | $250.59M | 10.09 | 13.36% | 3.21% | 5.91% | 37.89% | |
71 Outperform | $236.43M | 12.63 | 9.83% | 3.06% | 20.33% | 59.91% | |
71 Outperform | $287.28M | 13.34 | 11.51% | 2.49% | 7.47% | 141.95% | |
71 Outperform | $287.25M | 11.61 | 14.00% | 2.14% | 10.02% | 67.97% | |
70 Outperform | $231.90M | 7.97 | 12.59% | 3.19% | 7.19% | 31.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
EFSI
Eagle Financial Services
43.61
9.82
29.06%
HWBK
Hawthorn Bancshares
39.76
10.62
36.46%
OPBK
OP Bancorp
15.55
2.32
17.55%
FXNC
First National
32.07
10.30
47.33%
FRAF
Franklin Financial Services
63.22
21.70
52.26%
VABK
Virginia National Bankshares
47.11
10.85
29.91%
Eagle Financial Services Corporate Events
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...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Eagle Financial Shareholders Reaffirm Board and Approve ESPP
Positive
May 20, 2026
At its Annual Meeting of Shareholders held on May 19, 2026, Eagle Financial Services, Inc. saw investors re-elect Brandon C. Lorey, Douglas C. Rinker, John D. Stokely and Brian T. Strosser to three-year board terms and elect Susan D. Davies and Ka...
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.