Eagle Financial Services, Inc.
EFSI · Price history
Price at last available close
$45.84
−$0.07 (-0.15%) 1M
2026-10-28
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Company & revenue
About Eagle Financial Services, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Eagle Financial Services, Inc. operates as a bank holding company for Bank of Clarke, generating revenue primarily through net interest income earned on loans and investment securities, as well as non-interest income from service charges, wealth management fees, and fiduciary services.
Products & services
The company provides retail and commercial banking products including checking, savings, money market, and time deposit accounts, alongside commercial, residential, and consumer loan products, debit cards, and wealth management services.
Brands & revenue mix
The primary banking subsidiary through which the company conducts its operations.
Separate brand revenue is not available in this research.Source
The wealth management division of the bank.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not have a concentration of customers that represents a significant portion of total revenue, as its business is diversified across a broad base of retail and commercial banking clients.
Suppliers, materials & equipment
- Technology and core banking service providers — The company relies on third-party vendors for core banking software, data processing, and digital banking infrastructure.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
49
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
46
Weak
Financial Strength
26
Business Quality / Moat
49
Management
64
Growth Quality
49
Risk / Durability
57
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
57
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
50/100
Building Historical Record
Model Score 50/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Material dilution — approximately 51.1% share-count growth
- •Debt service risk
- •M&A headline · Oct 23, 2026
- •M&A headline · Oct 20, 2026
- •M&A headline · Sep 8, 2026
Company-specific research
Questions worth answering for EFSI
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can EFSI maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is EFSI's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is EFSI's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is EFSI's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
49
Opportunity Score
57
Market Cap
$249.6M
P/E Ratio
14.2
EPS
$3.30
52-Week High
$48.17
52-Week Low
$31.44
Beta
0.21
Intrinsic Value
$127.05
Analyst Target
$46.00
Shares Outstanding
5.4M
Total Revenue
$117.4M
Total Debt
$69.6M
Dividend Yield (TTM)
2.69%
Liquidation Value / Share
$36.37
Dividend / Share (TTM)
$1.24
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for EFSI
Detected from reported data — verify before acting.Material dilution — approximately 51.1% share-count growth
Diluted shares outstanding grew ~51.1% year-over-year. Substantial dilution reduces per-share value and can signal financing stress. Wall Street Score is capped.
Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.3x). Earnings may be strained to cover interest expense.
M&A headline · Oct 23, 2026
MERGER VOTE ALERT - The M&A Class Action Is Investigating the Upcoming Merger Vote — SYNA, EFSI, VCTR and CSR — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Globe News WireM&A headline · Oct 20, 2026
$HAREHOLDER ALERT - The M&A Class Action Is Investigating the Merger — SYNA, EFSI, VCTR and CSR — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireM&A headline · Sep 8, 2026
EFSI SHAREHOLDER ALERT: Ademi LLP Investigates Whether the $46.72 Buyout Fairly Values EFSI — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
PRNewsWireM&A headline · Sep 8, 2026
EFSI SHAREHOLDER ALERT: Ademi LLP Investigates Whether the $46.72 Buyout Fairly Values EFSI — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
PRNewsWireM&A headline · Sep 8, 2026
John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. Announce Strategic Merger Uniting Two of Virginia's Leading Community Banks — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Business WireM&A headline · Sep 4, 2026
BlackRock Inc. Acquires Shares of 345,268 Eagle Financial Services Inc. $EFSI — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on EFSI.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong community banking presence in Virginia.
- +Diversified revenue streams through wealth management and marine lending.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate risk affecting net interest margin.
- −Credit risk associated with loan portfolio performance.
- −Cybersecurity and operational risks.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
8 historical score records availablePrevious Score
51
Oct 22, 2026
Change
-1.9
points
Current Score
49
Oct 23, 2026
Category Changes
EFSI decreased 1.9 points because Management declined by 7.7 points.
Negative Contributors
- − Management declined by 7.7 points
Projected Score
Projected Score
43
Projected Change
-6.2 points
Preliminary comparable-period financial changes suggest decline of approximately 6.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$46.13
Model Intrinsic Value
$127.05
Difference
−$80.92
-63.7% vs IV
Margin of Safety
63.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $117.4M | $104.5M | $105.9M | $95.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $36.5M | $40.1M | $42.6M | $34.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $80.9M | $64.4M | $63.3M | $61.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $47.4M | $27.4M | $33.6M | $34.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $63.4M | $54.5M | $44.4M | $50.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $25.5M | $10.7M | $19.9M | $11.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $17.5M | $9.9M | $18.9M | $10.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $31.3M | $36.4M | $40.1M | $32.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $22.4M | $9.9M | $18.9M | $10.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $4.6M | $1.7M | $3.6M | $1.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $17.8M | $8.2M | $15.3M | $9.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $3.30 | $1.59 | $4.32 | $2.66 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 5.41M | 5.37M | 3.55M | 3.52M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 5.41M | 5.37M | 3.55M | 3.52M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$30.5M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.88
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-100.0%
Cash Change
-92.7%
Margin Change
-2.6 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 0.7%. EPS declined 15.4%. Cash declined 92.7%. Total debt declined 100.0%. Net income margin declined by 2.6 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
8 historical recordsHistorical Score Chart
3 of 8 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
MERGER VOTE ALERT - The M&A Class Action Is Investigating the Upcoming Merger Vote — SYNA, EFSI, VCTR and CSR
Eagle Financial Services Inc. (EFSI) Surpasses Q3 Earnings and Revenue Estimates
EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND
Eagle Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Eagle Financial Services, Inc. - EFSI
Rumor Mill · EFSI
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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