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EFSI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
40.240
Open
39.200
VWAP
39.47
Vol
8.26K
Mkt Cap
211.73M
Low
39.050
Amount
326.02K
EV/EBITDA(TTM)
22.79
Total Shares
5.41M
EV
267.10M
EV/OCF(TTM)
4.61
P/S(TTM)
3.21
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
04-24seekingalpha
Eagle Financial Services Q1 2026 Earnings Call Insights
  • Profitability Shift: Eagle Financial Services reported a net income of $3.7 million in Q1, down from $4.3 million in Q4, although the earnings per share of $0.69 indicates resilience in profitability amidst a normalized growth environment.
  • Net Interest Margin Improvement: The net interest margin increased to 3.63%, primarily driven by continued improvement in funding costs and the positive effects of last year's balance sheet repositioning, thereby enhancing the company's profitability and competitive position in the market.
  • Loan Balance Dynamics: Loan balances declined modestly in Q1, primarily due to the amortization of the marine portfolio and the sale of approximately $7.5 million in SBA loans, despite achieving $81 million in loan closings during the quarter, indicating a solid loan pipeline.
  • Risk Management Focus: Management highlighted a large problem relationship that could lead to an incremental reserve build, emphasizing ongoing monitoring and management of credit risks to ensure the company's stability and growth potential moving forward.
seekingalpha
9.5
04-23seekingalpha
Eagle Financial Services Q1 Highlights
  • Earnings Performance: Eagle Financial Services reported a Q1 non-GAAP EPS of $0.69, indicating stable profitability and reflecting the company's potential for continued commercial loan growth.
  • Net Interest Spread Increase: The net interest spread rose from 2.74% as of December 31, 2025, to 2.80% by March 31, 2026, demonstrating effective asset-liability management in a changing interest rate environment, thereby enhancing profitability.
  • Improved Net Interest Margin: The net interest margin increased from 3.61% to 3.63%, which not only boosts revenue streams but also lays a stronger foundation for future expansion efforts.
  • Efficiency Ratio Decline: The efficiency ratio decreased from 70.39% to 67.97%, indicating significant improvements in cost control and operational efficiency, which contribute to the overall financial health of the company.
PRnewswire
9.5
04-23PRnewswire
Eagle Financial Services Reports Q1 2026 Financial Results
  • Net Income Fluctuation: The net income for Q1 2026 was $3.74 million, a 13.7% decrease from Q4 2025, primarily due to reduced interest and dividend income, reflecting the company's adaptability in the economic environment.
  • Loan Interest Income: Loan interest income stood at $20.7 million, down 2.6% from Q4 2025, indicating slight fluctuations in loan demand that could impact future profitability.
  • Non-Interest Income Variability: Non-interest income totaled $4.93 million, an 8% decline from Q4 2025, mainly driven by decreased wealth management fees, highlighting intensified market competition and changing customer demands.
  • Dividend Declaration: The Board announced a cash dividend of $0.31 per share, payable on May 15, 2026, demonstrating the company's ongoing commitment to shareholder returns despite income fluctuations.
Newsfilter
9.5
04-23Newsfilter
Eagle Financial Services Reports Q1 2026 Financial Results
  • Net Income Fluctuation: The net income for Q1 2026 was $3.74 million, reflecting a 13.7% decrease from Q4 2025 but a significant 153.6% increase from Q1 2025, indicating a gradual recovery in profitability after previous losses.
  • Interest Income and Expense: Loan interest income stood at $20.7 million, down 2.6% from Q4 2025, primarily due to a decrease in average loan balances, which highlights pressure on the lending business, while interest expenses also declined, further improving net interest income.
  • Dividend Announcement: The Board declared a cash dividend of $0.31 per share, payable on May 15, 2026, demonstrating the company's commitment to shareholder returns amidst stable financial performance, thereby enhancing investor confidence.
  • Stable Asset Quality: As of March 31, 2026, total nonaccrual loans amounted to $14.71 million, slightly up from December 31, 2025, yet overall asset quality remained stable, showcasing the company's effectiveness in risk management.
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.
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.
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Valuation Metrics

The current forward P/E ratio for Eagle Financial Services Inc (EFSI.O) is 0.00, compared to its 5-year average forward P/E of 8.58. 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
N/A
5Y Average PE
8.58
Current PE
0.00
Overvalued PE
11.52
Undervalued PE
5.64

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
0.52
Current EV/EBITDA
7.96
Overvalued EV/EBITDA
2.43
Undervalued EV/EBITDA
-1.40

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
2.04
Current PS
2.35
Overvalued PS
2.64
Undervalued PS
1.44

Financials

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Frequently Asked Questions

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

The current price of EFSI is 39.12 USD — it has increased 0.13

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 19.14M USD, increased 14.82

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 246 emplpoyees as of April 25 2026.

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

Today EFSI has the market capitalization of 211.73M USD.