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Eagle Financial Services, Inc. EFSI R2K

Financial Services · Banks - Regional · United States
https://www.bankofclarke.bank
Company Profile ↓
$41.90
+30.04% 1Y
Mkt Cap$226.78M
P/E11.00
P/B1.21
Div. Yield2.88%
52W High$43.13
52W Low$31.32
Book Value$35.74
EPS (TTM)$3.81

Company Overview

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.0, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 23.4%.

Dividend Income

Offers a dividend yield of 2.88%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +431.7%, earnings -46.5%.
  • 5-Year Trend Long-term compounding — profit CAGR 5.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:431.70%

Compounded Profit Growth

5 Years:5.59%
1 Year:-46.46%

Stock Price Performance

1 Year:+30.04%
6 Months:+7.83%
3 Months:+9.03%
1 Month:-2.00%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$31.32 $43.13
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.98 · Neutral
Price Performance
1M-2.00%
3M+9.03%
6M+7.83%
1Y+30.04%
Valuation vs Sector

P/E of 11.00 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 23.4%.
  • Attractive dividend yield of 2.88%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.00
Industry PE
13.30
Forward P/E
11.40
PEG Ratio
-
Book Value
$35.74
Price to Book
1.21
P/S
2.89
EV/EBITDA
-
Dividend Yield
2.88%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
5.59%
Revenue (YoY)
431.70%
Earnings (YoY)
-46.46%

Profitability & Returns

ROCE
-
ROE
10.32%
ROA
1.01%
Profit Margin
23.41%
Op Margin
26.07%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.69
EPS (TTM)
$3.81

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$40.12M
Total Assets
$1.84B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
12.95%
Chg in Prom Hold
-
FII / Inst Holding
45.11%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$226.78M
Total Revenue (TTM)
$80.85M
EBITDA
-
Free Cash Flow
$24.35M
Operating Cash Flow
$24.25M
Shares Outstanding
5.41M
Gross Margin
0.00%
Payout Ratio
32.55%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EFSI Eagle Financial Services, Inc. R2K 41.90 11.00 $226.78M 2.88% - 10.32% - 5.59%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Net Income 1.61M1.43M1.80M2.04M2.03M2.01M1.71M2.54M2.52M1.86M2.08M2.57M2.13M2.23M2.83M2.44M2.82M3.41M2.51M2.86M3.00M2.87M2.28M3.25M3.99M4.08M3.20M2.58M2.06M2.32M2.40M2.55M3.19M3.42M6.19M-6.97M5.27M5.58M4.33M3.74M
Diluted EPS 0.460.400.520.590.580.580.490.730.730.540.600.740.620.650.830.710.830.990.740.840.870.830.660.941.141.170.920.730.580.660.690.720.890.971.74-1.530.981.040.810.69

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------236.00K3.00K0--
Net Income 3.44M3.60M4.32M6.55M7.16M7.14M6.90M6.37M7.79M9.00M9.76M11.17M11.02M14.52M9.36M15.34M8.21M
Diluted EPS 1.081.111.311.962.112.081.971.812.242.602.843.273.204.172.664.321.59

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --558.84M568.02M593.28M586.44M630.16M653.27M700.15M765.75M799.62M877.32M1.13B1.30B1.62B1.83B1.87B1.89B
Total Equity 46.83M51.64M53.83M58.09M63.71M66.41M73.13M78.22M79.42M83.82M87.60M96.33M105.07M110.28M101.73M108.38M118.99M188.84M
Cash & Equivalents 18.34M7.53M13.97M21.94M48.69M14.24M34.56M23.22M35.28M35.85M18.35M33.66M------
Total Liabilities --505.01M509.93M529.57M520.04M557.03M575.05M620.73M681.93M712.02M780.99M1.03B1.19B1.51B1.72B1.75B1.70B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 6.68M9.40M11.74M11.43M8.19M7.26M7.16M9.70M9.37M-1.52M11.35M11.01M16.46M13.81M6.88M18.76M25.75M
Investing Cash Flow -19.12M-22.89M-6.60M-1.62M-31.46M-19.18M-38.74M-26.38M-64.29M-53.66M-57.98M-201.47M-193.22M-331.34M-130.28M16.75M-965.00K
Financing Cash Flow 1.64M19.92M2.83M16.94M-11.18M32.24M20.23M28.74M55.49M37.69M61.94M236.73M160.91M320.35M194.87M19.30M-754.00K
Capital Expenditure -310.00K-1.84M-964.00K-2.20M-1.49M-2.97M-2.88M-257.00K-368.00K-432.00K-1.31M-456.00K-520.00K-838.00K-1.07M-1.02M-1.41M
Free Cash Flow 6.37M7.56M10.78M9.23M6.70M4.29M4.29M9.44M9.00M-1.96M10.03M10.55M15.94M12.98M5.80M17.74M24.35M
Share Buybacks --271.00K--------------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ------------4,669.9%484,033.3%---
ROE % 6.7%6.7%7.4%10.3%10.8%9.8%8.8%8.0%9.3%10.3%10.1%10.6%10.0%14.3%8.6%12.9%4.3%
ROCE % -----------------

Shareholding Pattern

Insiders
12.95%
Institutions
45.11%
Public Float
51.82%

Top Institutional Holders

#Holder% HeldSharesValue
1 Fourthstone LLC 14.86% 532.20K $21.61M
2 Blackrock Inc. 7.83% 280.53K $11.39M
3 Wellington Management Group, LLP 7.83% 280.40K $11.38M
4 Vanguard Capital Management LLC 6.81% 243.74K $9.90M
5 Graham Capital Wealth Management, LLC 3.83% 137.03K $5.56M
6 Maltese Capital Management, LLC 2.99% 107.14K $4.35M
7 Alliancebernstein L.P. 2.90% 103.72K $4.21M
8 Geode Capital Management, LLC 2.88% 103.21K $4.19M
9 State Street Corporation 2.36% 84.61K $3.44M
10 BANC FUNDS CO LLC 1.81% 65.00K $2.64M

Analyst View

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Latest News

Recent headlines for EFSI

Google News ue, 14 Jul 2026

Understanding the Setup: (EFSI) and Scalable Risk - Stock Traders Daily

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Google News hu, 09 Jul 2026

Price to sales forward of Eagle Financial Services Inc – NASDAQ:EFSI - TradingView

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Google News Sun, 28 Jun 2026

Eagle Financial Services, Inc.(NasdaqCM:EFSI) dropped from Russell Microcap Growth Benchmark Index - marketscreener.com

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Google News Wed, 22 Oct 2025

EAGLE FINANCIAL SERVICES Earnings Preview: Recent $EFSI Insider Trading, Hedge Fund Activity, and More - Quiver Quantitative

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Google News Mon, 22 Jun 2026

Eagle Financial Services (EFSI) Posts Modest Gain as Stock Holds Above Key Support - Quality ETF - dars.gov.et

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Google News Sun, 28 Jun 2026

Eagle Financial Services Inc (EFSI) Edges Lower, Remains Above Key Support Zone - High Beta Stocks - DonanımHaber

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EFSI — Frequently Asked Questions

What is the current share price of Eagle Financial Services, Inc. (EFSI)?

As of 2026-07-14 21:23 PDT, Eagle Financial Services, Inc. (EFSI) trades at $41.90 on NasdaqCM. Its 52-week range is $31.32 to $43.13.

What is the market capitalisation of EFSI?

Eagle Financial Services, Inc. (EFSI) has a market capitalisation of $226.78M on NasdaqCM.

What is the P/E ratio of EFSI?

EFSI trades at a trailing price-to-earnings (P/E) ratio of 11.00. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.21.

Does EFSI pay a dividend?

Eagle Financial Services, Inc. (EFSI) currently offers a dividend yield of 2.88%.

What is the return on equity (ROE) of EFSI?

EFSI has a return on equity (ROE) of 10.32%.

Is EFSI a good stock to buy?

This page provides a data-driven analysis of Eagle Financial Services, Inc. (EFSI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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