Eagle Financial Services, Inc. (EFSI) Stock Score, Valuation & Financial Research
Eagle Financial Services, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 52/100.
Quick answer for EFSI
Eagle Financial Services, Inc. currently has a Wall Street Score of 52/100. The stored market price is $45.66. Its financial score is 35/100. Its valuation score is 97/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Eagle Financial Services, Inc. does
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 retirem
EFSI financial snapshot
- Wall Street Score:
- 52/100
- Current price:
- $45.66
- Market capitalization:
- $247.1M
- Revenue:
- $117.6M
- Net income:
- $18.6M
- Free cash flow:
- $26.5M
- Cash:
- $18.3M
- Total debt:
- $29.6M
- EPS:
- 3.46
- P/E ratio:
- 13.2x
- Financial score:
- 35/100
- Valuation score:
- 97/100
- Revenue score:
- 36/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $26.5M, showing positive cash generation.
- The balance sheet shows $18.3M of cash versus $29.6M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.1 points: EFSI decreased 0.1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 35/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-07.
How to research EFSI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.