EFSI logo

EAGLE FINANCIAL SERVICES INC

EFSINASDAQ
πŸ† #2996 by market capEarnings Oct 22US Equity
$43.10β–² $0.23 (+0.54%)
Market closed Β· at close
1hβ€”
24hβ–² 0.5%
7dβ–² 6.2%
14dβ–² 3.8%
30dβ–² 3.6%
1yβ–² 30.6%
🏦Market Cap
$233M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-1.3%
Declining
πŸ“ŠGross Margin
67.9%
High
πŸ’΅FCF Margin
9.1%
Moderate
βš–οΈP/S Ratio
2.0x
Cheap
Otter Score
59
Weak

Trading Snapshot

Day Range
$42.84 – $43.86
52-Week Range
$31.44 – $44.00
Volume
$3.82B
Avg Volume
$4.11B
Shares Outstanding
5.4M
Next Earnings
Sep 20, 2026

Fundamentals Snapshot

Annual Revenue
$105M
Last Q Revenue
$33M
P/E Ratio
12.5
P/S Ratio
2.0x
EPS (TTM)
$3.44
Dividend Yield
2.88%

Why Investors Own EFSI

  • βœ“High-growth profile β€” revenue up +30.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 77% gross margin and 23% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$105Mβ–² +28.1% YoY
Gross Margin (TTM)
76.7%β–² +3.4% YoY
Operating Income (TTM)
$34Mβ–² +28.1% YoY
Free Cash Flow (TTM)
$24Mβ–² +28.1% YoY

About EAGLE FINANCIAL SERVICES INC

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 include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
59/100

Analyst Price Target

β“˜
Average Target
$55.73
β–² +29.3% Upside
High Target$68.65
Low Target$48.86
Based on 29 analysts

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