Eagle Financial Services Inc (EFSI)

Currency in USD
41.0
-0.5(-1.21%)
Closed·
41.00.0(0.00%)
·
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Fair Value
Day's Range
41.042.4
52 wk Range
31.444.0
Key Statistics
Prev. Close
41
Open
41.7
Day's Range
41-42.4
52 wk Range
31.4-44
Volume
54.16K
Average Volume (3m)
54.39K
1-Year Change
24.2048%
Book Value / Share
36.42
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
42.3
Upside
+3.25%
Members' Sentiments
Bearish
Bullish
ProTips
Net income is expected to grow this year
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Technical Analysis

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 42.3
(+3.25% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Freedom Broker
Buy43.00+4.88%-UpgradeMay 15, 2026
DA Davidson
Hold40.00-2.44%38.00MaintainApr 27, 2026
DA Davidson
Hold---New CoverageFeb 24, 2026
Freedom Capital Markets
Hold43.00+4.88%42.00DowngradeFeb 09, 2026
Keefe, Bruyette & Woods
Buy43.00+4.88%42.00MaintainJan 29, 2026

Eagle Financial Services Inc Earnings Call Summary for Q2/2026

  • Eagle Financial posted Q2 adjusted EPS of $0.41, missing estimates by 48.1%, while revenue of $25.56M beat forecasts by 20.1%.
  • Net interest margin expanded to 3.86%, up 23 basis points sequentially, driven by lower funding costs and FHLB advance payoffs.
  • Credit costs pressured earnings as non-performing assets rose to $16.5M; management cited concentrated rather than broad portfolio issues.
  • Management projects Q3 adjusted EPS of $0.86 and Q4 at $0.85, with net interest margin expected to normalize to 3.75% in H2 2026.
  • Shares fell 2.17% to $40.60 post-earnings; company maintains 23-year dividend streak and remains open to strategic acquisitions.
Last Updated: 2026-07-24, 10:20 a/m
Read Full Transcript

Earnings

Latest Release
Jul 23, 2026
EPS / Forecast
0.41 / 0.79
Revenue / Forecast
25.56M / 21.29M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.45%
Dividend Yield
3.02%
Industry Median 2.83%
Annualized payout
1.24
Paid quarterly
5-Years Growth
+3.19%
Growth Streak

EFSI Income Statement

Compare EFSI to Peers and Sector

Metrics to compare
EFSI
Peers
Sector
Relationship
P/E Ratio
11.7x11.3x10.0x
PEG Ratio
0.140.130.03
Price/Book
1.1x1.3x1.0x
Price / LTM Sales
2.6x3.1x2.9x
Upside (Analyst Target)
4.9%5.3%13.9%
Fair Value Upside
Unlock3.7%2.8%Unlock

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.

Sector
Financial
Employees
259

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
660.30K12.40%27.39M
Other Institutional Investors
2.18M40.99%90.54M
Public Companies & Retail Investors
2.48M46.61%102.94M
Total
5.32M100.00%220.87M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Fourthstone LLC9.99%532,19922,076
BlackRock, Inc.5.27%280,53211,636

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FAQ

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

The Eagle Financial Services stock price today is 41.0 USD.

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 2.99%.

What Is the Eagle Financial Services Market Cap?

As of today, Eagle Financial Services market cap is 220.07M USD.

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

The Eagle Financial Services EPS (TTM) is 3.5.

When Is the Next Eagle Financial Services Earnings Date?

Eagle Financial Services will release its next earnings report on Oct 23, 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 259 employees.

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

As of Jul 31, 2026, Eagle Financial Services (EFSI) is trading at a price of 41.0 USD, with a previous close of 41.0 USD. The stock has fluctuated within a day range of 41.0 USD to 42.4 USD, while its 52-week range spans from 31.4 USD to 44.0 USD.

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

The average 12-month price target for Eagle Financial Services is 42.3 USD, with a high estimate of 44 USD and a low estimate of 40 USD. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +3.25% Upside potential.
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