Eagle Financial Services Inc (EFSI)

Currency in USD
39.1
-0.1(-0.26%)
Closed·
39.10.0(0.00%)
·
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Fair Value
Day's Range
39.139.4
52 wk Range
28.741.1
Key Statistics
Prev. Close
39.2
Open
39.4
Day's Range
39.1-39.4
52 wk Range
28.7-41.1
Volume
15.27K
Average Volume (3m)
14.22K
1-Year Change
15.3097%
Book Value / Share
35.6
Fair Value
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Fair Value Upside
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EFSI Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
43.0
Upside
+9.97%
Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 23 consecutive years
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Sell
Moving Averages
Strong Sell

Eagle Financial Services Inc Company Profile

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 fiduciary services; 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; 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.

Sector
Financial
Employees
254

Eagle Financial Services Inc Earnings Call Summary for Q4/2025

  • Eagle Financial's Q4 2025 results missed forecasts with EPS of $0.81 (vs $0.87 expected) and revenue of $20.05M (vs $20.4M expected), causing a 0.95% after-hours stock decline
  • Net income fell to $4.3M from $5.6M in Q3, while the efficiency ratio deteriorated to 70.3% from 63.1%, indicating rising operational costs
  • The company continues its strategic focus on expanding market presence in Maryland and emphasizing relationship-driven banking despite earnings challenges
  • Management forecasts maintaining an efficiency ratio slightly below 70% for 2026, with wealth management fees and gain-on-sale revenue expected to remain at 2025 levels
  • CEO Brandon Lorey highlighted the 'resilient and scalable' commercial engine, while the company explores potential bank partnerships and commercial lending growth opportunities
Last Updated: 2026-02-02, 05:06 p/m
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Compare EFSI to Peers and Sector

Metrics to compare
EFSI
Peers
Sector
Relationship
P/E Ratio
25.2x11.0x10.1x
PEG Ratio
−0.400.280.03
Price/Book
1.1x1.1x1.0x
Price / LTM Sales
3.2x2.7x3.0x
Upside (Analyst Target)
10.0%0.0%11.2%
Fair Value Upside
Unlock2.1%1.4%Unlock

Analyst Ratings

1 Buy
0 Hold
0 Sell
Ratings:
1 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 43.0
(+9.97% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Keefe, Bruyette & Woods
Buy43.00+9.97%42.00MaintainJan 29, 2026
DA Davidson
Buy40.00+2.30%39.00MaintainJul 30, 2025
DA Davidson
Buy39.00-0.26%40.00MaintainApr 30, 2025
Keefe, Bruyette & Woods
Buy40.00+2.30%-New CoverageMar 12, 2025
DA Davidson
Buy40.00+2.30%-New CoverageMar 05, 2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 1.59%
Dividend Yield
3.17%
Industry Median 3.14%
Annualized payout
1.24
Paid quarterly
5-Years Growth
+3.58%
Growth Streak

Earnings

Latest Release
Jan 26, 2026
EPS / Forecast
0.81 / 0.87
Revenue / Forecast
20.05M / 20.40M
EPS Revisions
Last 90 days

EFSI Income Statement

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FAQ

What Is the Eagle Financial Services (EFSI) Stock Price Today?

The Eagle Financial Services stock price today is 39.1

What Stock Exchange Does Eagle Financial Services Trade On?

Eagle Financial Services is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Eagle Financial Services?

The stock symbol for Eagle Financial Services is "EFSI."

Does Eagle Financial Services Pay Dividends? What’s The Current Dividend Yield?

The Eagle Financial Services dividend yield is 3.17%.

What Is the Eagle Financial Services Market Cap?

As of today, Eagle Financial Services market cap is 207.26M.

What Is Eagle Financial Services's Earnings Per Share (TTM)?

The Eagle Financial Services EPS (TTM) is 1.59.

When Is the Next Eagle Financial Services Earnings Date?

Eagle Financial Services will release its next earnings report on May 05, 2026.

From a Technical Analysis Perspective, Is EFSI a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Neutral.

How Many Times Has Eagle Financial Services Stock Split?

Eagle Financial Services has split 1 times.

How Many Employees Does Eagle Financial Services Have?

Eagle Financial Services has 254 employees.

What is the current trading status of Eagle Financial Services (EFSI)?

As of Feb 09, 2026, Eagle Financial Services (EFSI) is trading at a price of 39.1, with a previous close of 39.2. The stock has fluctuated within a day range of 39.1 to 39.4, while its 52-week range spans from 28.7 to 41.1.

What Is Eagle Financial Services (EFSI) Price Target According to Analysts?

The average 12-month price target for Eagle Financial Services is USD43.0, with a high estimate of USD43 and a low estimate of USD43. 1 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +9.97% Upside potential.

What Is the EFSI Premarket Price?

EFSI's last pre-market stock price is 39.6. The pre-market share volume is 10.0, and the stock has decreased by 0.4, or 1.0%.
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