Eagle Financial Services, Inc. EFSI R2K

Financial Services · Banks - Regional · United States

https://www.bankofclarke.bank

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.

Market & Price

Market Cap

$213.57M

Current Price

$39.46

High / Low (52W)

$40.31 / $28.02

Beta

0.21

Valuation

Stock P/E

10.36

Industry PE

12.01

Forward P/E

10.74

PEG Ratio

Book Value

$35.74

Price to Book

1.10

P/S

2.64

EV/EBITDA

Dividend Yield

3.14%

Profitability & Returns

ROCE

ROE

10.32%

ROA

1.01%

Profit Margin

23.41%

Op Margin

26.07%

EPS (Latest Qtr)

$0.69

EPS (TTM)

$3.81

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$40.12M

Total Assets

$1.89B

Current Assets

Working Capital

Ownership

Promoter Holding

12.95%

Chg in Prom Hold

FII / Inst Holding

45.08%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$59.66M

Total Revenue (TTM)

$80.85M

EBITDA

Free Cash Flow

Operating Cash Flow

$24.25M

Shares Outstanding

5.41M

Gross Margin

0.00%

Payout Ratio

32.55%

Growth (CAGR)

Revenue 5Y

2.75%

Profit 5Y

-17.30%

Revenue (YoY)

431.70%

Earnings (YoY)

PROS

Excellent profit margin of 23.4%.
Attractive dividend yield of 3.14%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -17.3% CAGR over 5 years.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	EFSI Eagle Financial Services, Inc. R2K	39.46	10.36	$213.57M	3.14%	-	10.32%	2.75%	-17.30%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.28M	20.15M	21.98M	20.04M	20.20M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.17M	9.12M	8.73M	8.37M	7.92M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-9.04M	6.55M	6.91M	5.51M	4.66M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2.07M	1.28M	1.32M	1.18M	918.00K
Net Income	1.61M	1.43M	1.80M	2.04M	2.03M	2.01M	1.71M	2.54M	2.52M	1.86M	2.08M	2.57M	2.13M	2.23M	2.83M	2.44M	2.82M	3.41M	2.51M	2.86M	3.00M	2.87M	2.28M	3.25M	3.99M	4.08M	3.20M	2.58M	2.06M	2.32M	2.40M	2.55M	3.19M	3.42M	-	-6.97M	5.27M	5.58M	4.33M	3.74M
Diluted EPS	0.46	0.40	0.52	0.59	0.58	0.58	0.49	0.73	0.73	0.54	0.60	0.74	0.62	0.65	0.83	0.71	0.83	0.99	0.74	0.84	0.87	0.83	0.66	0.94	1.14	1.17	0.92	0.73	0.58	0.66	0.69	0.72	0.89	0.97	-	-1.53	0.98	1.04	0.81	0.69

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	236.00K	61.26M	63.08M	64.77M	66.45M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	5.47M	32.84M	40.09M	36.39M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	17.67M	10.63M	18.90M	9.93M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	3.15M	1.28M	3.56M	1.71M
Net Income	3.44M	3.60M	4.32M	6.55M	7.16M	7.14M	6.90M	6.37M	7.79M	9.00M	9.76M	11.17M	11.02M	14.52M	9.36M	15.34M	8.21M
Diluted EPS	1.08	1.11	1.31	1.96	2.11	2.08	1.97	1.81	2.24	2.60	2.84	3.27	3.20	4.17	2.66	4.32	1.59

Compounded Sales Growth

5 Years:	2.75%
1 Year:	431.70%

Compounded Profit Growth

5 Years:	-17.30%
1 Year:	-

Stock Price Performance

1 Year:	+29.69%
6 Months:	+8.40%
3 Months:	+14.62%
1 Month:	+4.97%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	558.84M	568.02M	593.28M	586.44M	630.16M	653.27M	700.15M	765.75M	799.62M	877.32M	1.13B	1.30B	1.62B	1.83B	1.87B	1.89B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	18.34M	7.53M	13.97M	21.94M	48.69M	14.24M	34.56M	23.22M	35.28M	35.85M	18.35M	33.66M	-	-	66.53M	112.07M	175.72M	117.93M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	505.01M	509.93M	529.57M	520.04M	557.03M	575.05M	620.73M	681.93M	712.02M	780.99M	1.03B	1.19B	1.51B	1.72B	1.75B	1.70B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	204.38M	174.44M	124.51M	69.58M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	204.38M	194.44M	149.51M	69.58M
Total Equity	46.83M	51.64M	53.83M	58.09M	63.71M	66.41M	73.13M	78.22M	79.42M	83.82M	87.60M	96.33M	105.07M	110.28M	101.73M	108.38M	118.99M	188.84M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.49M	3.52M	3.55M	5.37M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	6.68M	9.40M	11.74M	11.43M	8.19M	7.26M	7.16M	9.70M	9.37M	-1.52M	11.35M	11.01M	-	13.81M	6.88M	18.76M	25.75M
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	-	-331.34M	-130.28M	16.75M	-965.00K
Financing Cash Flow	1.64M	19.92M	2.83M	16.94M	-11.18M	32.24M	20.23M	28.74M	55.49M	37.69M	61.94M	236.73M	-	320.35M	194.87M	19.30M	-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	-	-838.00K	-1.07M	-1.02M	-1.41M
Free Cash Flow	6.37M	7.56M	10.78M	9.23M	6.70M	4.29M	4.29M	9.44M	9.00M	-1.96M	10.03M	10.55M	-	12.98M	5.80M	17.74M	24.35M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	2.83M	71.46M	54.81M	24.04M
Share Buybacks	-	-	271.00K	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	4,669.9%	23.7%	14.8%	23.7%	12.4%
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

45.08%

Public Float

51.79%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	14.86%	532.20K	$21.00M
2	Blackrock Inc.	7.83%	280.53K	$11.07M
3	Wellington Management Group, LLP	7.83%	280.40K	$11.06M
4	Vanguard Capital Management LLC	6.81%	243.74K	$9.62M
5	Graham Capital Wealth Management, LLC	3.83%	137.03K	$5.41M
6	Maltese Capital Management, LLC	2.99%	107.14K	$4.23M
7	Alliancebernstein L.P.	2.90%	103.72K	$4.09M
8	Geode Capital Management, LLC	2.88%	103.21K	$4.07M
9	State Street Corporation	2.36%	84.61K	$3.34M
10	BANC FUNDS CO LLC	1.81%	65.00K	$2.56M

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