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EFSI Overview

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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
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ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
35.200
Open
34.750
VWAP
34.69
Vol
12.09K
Mkt Cap
185.65M
Low
34.315
Amount
419.19K
EV/EBITDA(TTM)
21.11
Total Shares
5.37M
EV
243.25M
EV/OCF(TTM)
--
P/S(TTM)
2.82
Eagle Financial Services, Inc. is a bank holding company of Bank of Clarke (the Bank). The Bank offers a range of commercial banking, retail banking and trust and investment services through its approximately 13 full-service branches, two loan production offices, one wealth management office and one drive-through only facility located throughout Clarke and Frederick Counties, as well as the City of Winchester, towns of Purcellville and Leesburg and Ashburn, Virginia. The Bank offers a range of retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. The Bank has approximately 13 ATM locations in its trade area and issues debit cards to deposit customers. The Bank offers telephone banking, Internet banking, and mobile banking to its customers. The Bank of Clarke Wealth Management Division, a division of the Bank, provides both a full-service trust department and a separate brokerage area.
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Events Timeline

(ET)
2026-01-26
17:00:00
Brandon Lorey States 2025 Was a Pivotal Year for the Company
select
2025-10-23 (ET)
2025-10-23
16:32:13
Eagle Financial announces Q3 earnings per share of $1.04, up from 97 cents a year ago.
select
2025-07-24 (ET)
2025-07-24
16:10:24
Eagle Financial reports Q2 EPS 98c vs. 89c last year
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News

seekingalpha
9.5
01-27seekingalpha
Eagle Financial Services Q4 2025 Earnings Call Insights
  • Net Income Change: In Q4 2025, net income decreased to $4.3 million from $5.6 million in Q3, primarily due to lower net interest income and increased salary expenses, reflecting the company's ongoing commitment to investing in its workforce.
  • Loan Portfolio Expansion: The company achieved $13.1 million in net loan growth in Q4, driven mainly by commercial real estate and C&I lending, despite a $10.3 million reduction in the marine portfolio; however, the commercial loan pipeline is up over $100 million compared to January 2025, indicating resilience in the commercial engine.
  • Profitability Metrics: The diluted earnings per share for Q4 were $0.81, with an annualized return on average assets of 0.91% and an annualized return on average equity of 9.18%; although the efficiency ratio rose to 70.3%, noninterest income increased due to a 25% rise in wealth management fees, demonstrating stable profitability.
  • Future Outlook: Management expects wealth management fees and gain on sale revenue to remain consistent with 2025 levels, with the efficiency ratio projected to slightly decline below 70%, emphasizing the company's ongoing focus on organic growth and strategic M&A opportunities.
seekingalpha
9.5
01-26seekingalpha
Eagle Financial Services Q4 Earnings Analysis
  • Earnings Miss: Eagle Financial Services reported a Q4 GAAP EPS of $0.81, missing estimates by $0.05, indicating pressure on profitability that could affect investor confidence.
  • Revenue Decline: The company generated $21.7 million in revenue, a 1.5% year-over-year decrease, although it beat expectations by $1.3 million, the ongoing revenue decline poses challenges for future growth.
  • Market Reaction: The earnings miss may raise concerns about the company's future profitability, leading to increased stock price volatility and impacting investor sentiment.
  • Financial Health Assessment: Despite beating revenue expectations, the persistent decline in earnings may prompt analysts to reassess the company's financial health, affecting its long-term investment appeal.
PRnewswire
9.5
01-26PRnewswire
Eagle Financial Services Reports Q4 2025 Earnings Results
  • Net Income Decline: Q4 2025 net income was $4.33 million, a 22.4% decrease from Q3 2025, primarily due to reduced net interest income and increased employee compensation expenses, indicating pressure on cost control measures.
  • Non-Interest Income Growth: Q4 2025 non-interest income reached $5.36 million, a 3.7% increase from Q3, driven by a 25.8% rise in wealth management fee income, reflecting the company's positive progress in diversifying revenue sources.
  • Asset Quality Deterioration: As of December 31, 2025, total non-performing assets amounted to $14.6 million, or 0.77% of total assets, slightly up from Q3 2025, primarily due to new commercial loans entering non-accrual status, signaling a need for enhanced risk management.
  • Capital Adequacy Improvement: Total shareholders' equity increased to $188.9 million as of December 31, 2025, up 69.9% year-over-year, demonstrating the company's successful capital structure optimization and recovery of market confidence.
Newsfilter
8.0
01-21Newsfilter
Eagle Financial Services Declares $0.31 Cash Dividend Payable February 2026
  • Dividend Declaration: Eagle Financial Services has declared a cash dividend of $0.31 per common share, payable on February 13, 2026, to shareholders of record as of February 2, 2026, reflecting the company's strong cash flow and commitment to shareholder returns.
  • Earnings Release Schedule: The company is set to release its financial results for the quarter and year ended December 31, 2025, after market close on January 26, 2026, which is expected to provide key indicators of financial health for investors.
  • Conference Call Announcement: Eagle Financial will host a listen-only conference call on January 27, 2026, to discuss fourth-quarter results, enhancing transparency and maintaining communication with investors.
  • Banking Operations Overview: Bank of Clarke offers a wide range of commercial banking, retail banking, and trust and investment services through 14 branches across several counties in Virginia, demonstrating its strong local presence and service capabilities.
PRnewswire
8.0
01-21PRnewswire
Eagle Financial Services Declares $0.31 Cash Dividend Per Share
  • Dividend Declaration: Eagle Financial Services announced a cash dividend of $0.31 per share payable on February 13, 2026, to shareholders of record as of February 2, 2026, reflecting the company's commitment to shareholder returns and stable cash flow.
  • Earnings Release Schedule: The company is set to release its financial results for the year ended December 31, 2025, after market close on January 26, 2026, which is expected to provide investors with key performance metrics and future outlook.
  • Conference Call Announcement: Eagle Financial will host a listen-only conference call on January 27, 2026, to discuss fourth-quarter results, enhancing communication and transparency with investors.
  • Banking Services Overview: Bank of Clarke offers a wide range of commercial banking, retail banking, and trust and investment services across multiple counties and cities in Virginia, demonstrating its strong market presence and service capabilities.
NASDAQ.COM
9.5
2025-10-23NASDAQ.COM
Eagle Financial Services Inc. Reports Increase in Q3 Earnings
  • Earnings Growth: Eagle Financial Services Inc. reported a profit of $5.58 million for the third quarter, an increase from $3.42 million in the same period last year.

  • Earnings Per Share: The earnings per share (EPS) rose to $1.04, compared to $0.97 in the previous year.

  • Revenue Increase: The company's revenue grew by 30.7%, reaching $17.19 million, up from $13.15 million last year.

  • Financial Summary: Key financial figures include earnings of $5.58 million, EPS of $1.04, and revenue of $17.19 million, all showing positive growth compared to the previous year.

Wall Street analysts forecast EFSI stock price to rise
1 Analyst Rating
Wall Street analysts forecast EFSI stock price to rise
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
43.00
Averages
43.00
High
43.00
Current: 0.000
sliders
Low
43.00
Averages
43.00
High
43.00
DA Davidson
Jake Civiello
Neutral
initiated
$43
AI Analysis
2026-02-25
Reason
DA Davidson
Jake Civiello
Price Target
$43
AI Analysis
2026-02-25
initiated
Neutral
Reason
DA Davidson analyst Jake Civiello last night initiated coverage of Eagle Financial with a Neutral rating and $43 price target. The bank's earnings growth opportunities are limited and its profitability metrics will see little expansion, the analyst tells investors in a research note.
DA Davidson
Neutral
initiated
$43
2026-02-24
Reason
DA Davidson
Price Target
$43
2026-02-24
initiated
Neutral
Reason
DA Davidson initiated coverage of Eagle Financial with a Neutral rating and $43 price target.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for EFSI
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Valuation Metrics

The current forward P/E ratio for Eagle Financial Services Inc (EFSI.O) is 11.17, compared to its 5-year average forward P/E of 8.59. For a more detailed relative valuation and DCF analysis to assess Eagle Financial Services Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.59
Current PE
11.17
Overvalued PE
11.53
Undervalued PE
5.65

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
1.98
Current PS
2.48
Overvalued PS
2.66
Undervalued PS
1.30

Financials

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Frequently Asked Questions

What is Eagle Financial Services Inc (EFSI) stock price today?

The current price of EFSI is 34.545 USD — it has decreased -1.05

What is Eagle Financial Services Inc (EFSI)'s business?

Eagle Financial Services, Inc. is a bank holding company of Bank of Clarke (the Bank). The Bank offers a range of commercial banking, retail banking and trust and investment services through its approximately 13 full-service branches, two loan production offices, one wealth management office and one drive-through only facility located throughout Clarke and Frederick Counties, as well as the City of Winchester, towns of Purcellville and Leesburg and Ashburn, Virginia. The Bank offers a range of retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. The Bank has approximately 13 ATM locations in its trade area and issues debit cards to deposit customers. The Bank offers telephone banking, Internet banking, and mobile banking to its customers. The Bank of Clarke Wealth Management Division, a division of the Bank, provides both a full-service trust department and a separate brokerage area.

What is the price predicton of EFSI Stock?

Wall Street analysts forecast EFSI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for EFSI is43.00 USD with a low forecast of 43.00 USD and a high forecast of 43.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Eagle Financial Services Inc (EFSI)'s revenue for the last quarter?

Eagle Financial Services Inc revenue for the last quarter amounts to 20.25M USD, increased 21.52

What is Eagle Financial Services Inc (EFSI)'s earnings per share (EPS) for the last quarter?

Eagle Financial Services Inc. EPS for the last quarter amounts to 0.81 USD, decreased -53.45

How many employees does Eagle Financial Services Inc (EFSI). have?

Eagle Financial Services Inc (EFSI) has 254 emplpoyees as of March 06 2026.

What is Eagle Financial Services Inc (EFSI) market cap?

Today EFSI has the market capitalization of 185.65M USD.